Stripe Fee Calculator — 2.9% + 30¢ & Reverse

Fee percent (%)

Fixed fee ($)

Stripe fee

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How to use Stripe Fee Calculator

Enter the charge amount — the customer-facing price, or your target payout.
Pick the direction: net-after-fees, or reverse gross-up to hit a target.
Add surcharges that apply — international card ~+1.5%, currency conversion ~+1%.
Price accordingly — especially on small tickets, where the 30¢ fixed fee dominates the percentage.

What is Stripe Fee Calculator?

A Stripe fee calculator applies Stripe's card-processing pricing — the classic US rate is 2.9% + 30¢ per successful charge — and answers both directions: a $100 charge nets $96.80, and netting an even $100 requires charging $103.30. The reverse formula is Charge = (Target + 0.30) ÷ (1 − 0.029), because the percentage bites the gross amount.

Stripe's pricing stacks by circumstance: international cards add ~1.5%, currency conversion adds ~1%, and specific rails differ (ACH debits cap low, invoicing and subscription billing carry small platform fees). The calculator keeps the arithmetic straight as the surcharges pile on.

About the Stripe Fee Calculator

Enter an amount and read the fee and net payout — or flip it and get the exact gross charge that nets your target after Stripe's cut.

Where the math matters: SaaS pricing (a $29/month plan actually delivers $27.86 — multiply the gap by a thousand subscribers and fee-aware pricing pays for itself), freelance invoicing through Stripe-powered platforms, and margin math on low-ticket products — the 30¢ fixed fee is brutal on small charges (a $2 sale loses 17.9% to fees; a $200 sale loses 3.05%), the reason micro-transactions get bundled.

Comparative context: Stripe and PayPal's standard rates are near-identical; Stripe wins developers on API quality rather than price, and volume discounts open up past ~$80k/month. Rates vary by country and product — plug your account's actual percentages in as they change.

Frequently Asked Questions

US standard: 2.9% + 30¢ per successful card charge (2026), +1.5% for international cards, +1% for currency conversion. ACH direct debits run 0.8% capped at $5. Other countries' base rates differ slightly.

Charge = (Target + 0.30) ÷ (1 − 0.029). To net $100: 100.30 ÷ 0.971 = $103.30. Adding 2.9% + 30¢ to the target undershoots — the classic gross-up mistake this calculator avoids.

The 30¢ fixed fee is regressive: on $2 it's 15% before the percentage even starts; on $200 it's 0.15%. Below a few dollars, bundle purchases or use credits — per-charge economics don't work.

Standard rates are nearly identical (≈2.9-3% + fixed). The choice is rarely price: Stripe for developer APIs and clean checkout integration, PayPal for buyer familiarity and one-click wallets. Many businesses offer both and let customers choose.

No — since 2019 Stripe keeps the original processing fee on refunds. A refunded $100 sale costs you the $3.20 fee outright, which is worth pricing into return-heavy businesses.

Learn more

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