Based on Stripe’s standard US pricing for online card payments: 2.9% + $0.30. Last checked October 5, 2026. Always confirm on stripe.com/pricing.
Stripe takes 2.9% plus 30 cents on a standard US online card payment. On a $100 sale, that’s a $3.20 fee, so you receive $96.80. This Stripe fee calculator works out the fee and your net payout for any amount, and it also shows what to charge a customer if you want to receive a set amount after fees. You can add Stripe’s extra charges for international cards and currency conversion with a tick.
In short
- Stripe’s standard US rate is 2.9% + $0.30 per successful domestic card payment, with no setup or monthly fees.
- International cards add 1.5%, and currency conversion adds 1%. Both can apply to the same payment.
- The $0.30 fixed fee makes small payments cost more in percentage terms: a $10 sale has an effective rate of 5.9%.
- To receive $100 after fees, charge $103.30, not $103.20.
- Stripe doesn’t return its processing fees when you refund a payment.
How much does Stripe take per transaction?
For a standard online card payment in the US, Stripe charges a percentage of the amount plus a fixed 30 cents. That’s the “Stripe percentage fee” most people mean: 2.9% of the sale, plus $0.30, on every successful payment.
So the fee isn’t a flat 2.9%. The fixed part is the same on every payment, which is why small sales lose a bigger share than large ones.
Stripe’s fees at a glance
These are Stripe’s standard US prices for the payments most online sellers take, from Stripe’s pricing page. Last verified: October 5, 2026.
| What | Fee |
|---|---|
| Online card or wallet payment, domestic card | 2.9% + $0.30 |
| Manually entered card | add 0.5% |
| International card | add 1.5% |
| Currency conversion required | add 1% |
| ACH Direct Debit | 0.8%, capped at $5.00 |
| Dispute received | $15.00 |
| Instant payout | 1.5%, minimum 50 cents |
| In-person card payment (Terminal) | 2.7% + $0.05 |
Stripe says there are no setup, monthly, or hidden fees in its standard pricing. The calculator above covers the first four rows. Other payment methods and products have their own prices, so check the pricing page for those.
How to calculate Stripe fees?
Multiply the payment amount by the percentage, then add the fixed fee.
| What you want | Formula |
|---|---|
| Stripe fee | amount × 2.9% + $0.30 |
| Net payout | amount − fee |
| Effective rate | fee ÷ amount × 100 |
| Price to charge to receive a set amount | (amount you want + $0.30) ÷ (1 − 0.029) |
For international cards and currency conversion, add 1.5% and 1% to the percentage. A US business taking an international card in a foreign currency pays 2.9% + 1.5% + 1% = 5.4% + $0.30.
Here are the steps:
- Enter the payment amount.
- Multiply it by 0.029 (or 0.044, or 0.054 with the extras).
- Add $0.30.
- Subtract the result from the amount to get your net payout.
In a spreadsheet, put the amount in A2 and type =A2*0.029+0.3 for the fee, then =A2-B2 for the net payout.
Stripe fee examples
All of these use the standard US rate of 2.9% + $0.30.
| Payment | Fee | You receive | Effective rate |
|---|---|---|---|
| $10 | $0.59 | $9.41 | 5.9% |
| $50 | $1.75 | $48.25 | 3.5% |
| $100 | $3.20 | $96.80 | 3.2% |
| $500 | $14.80 | $485.20 | 2.96% |
| $1,000 | $29.30 | $970.70 | 2.93% |
Example 1: a $100 sale
Fee = 100 × 0.029 + 0.30 = $3.20. You receive $96.80.
Example 2: an international card
A customer in another country pays $100 with a card issued there. The rate is 2.9% + 1.5% = 4.4%, so the fee is 100 × 0.044 + 0.30 = $4.70, and you receive $95.30.
Example 3: international card plus currency conversion
The same $100 payment, but the customer pays in a currency different from the one you’re paid in. The rate is 2.9% + 1.5% + 1% = 5.4%, so the fee is 100 × 0.054 + 0.30 = $5.70, and you receive $94.30.
Example 4: a month of sales
You take 200 payments of $40. The fee on each is 40 × 0.029 + 0.30 = $1.46, so the month costs $292 in fees on $8,000 of sales, an effective rate of 3.65%.
How much should I charge to receive a set amount?
If you want to receive exactly $100, you can’t add the fee to the price and stop there. Stripe takes its percentage from the higher amount too.
The formula is price = (amount you want + $0.30) ÷ (1 − 0.029). For $100, that’s 100.30 ÷ 0.971, which rounds to $103.30. At that price, Stripe’s fee is $3.30, and you receive exactly $100.00.
| You want to receive | Domestic card | International card | International + currency conversion |
|---|---|---|---|
| $50 | $51.80 | $52.61 | $53.17 |
| $100 | $103.30 | $104.92 | $106.03 |
| $250 | $257.78 | $261.82 | $264.59 |
| $500 | $515.24 | $523.33 | $528.86 |
| $1,000 | $1,030.17 | $1,046.34 | $1,057.40 |
Why adding the fee isn’t enough?
Say you add the $3.20 fee to $100 and charge $103.20. Stripe’s fee on $103.20 is $3.29, so you receive $99.91, which is nine cents short. The gross-up formula fixes that.
If a calculator gives you a different figure for a $100 target at the standard rate, such as $103.33 or $103.51, check its formula. The correct answer is $103.30.
Stripe fees you might not expect
- Refunds don’t return the fee. According to Stripe’s pricing page, the processing and currency conversion fees from the original transaction aren’t returned when you refund a payment.
- Disputes cost $15. Stripe charges a $15 dispute fee when a customer disputes a payment, and another $15 if you respond manually. You get the second fee back if you win the dispute.
- International and currency fees stack. They add to the base rate and to each other, as in Example 3.
- Manually keyed cards cost more. Stripe adds 0.5% when you type in a card number yourself.
- Instant payouts have a fee. Stripe lists 1.5% with a 50-cent minimum, while payouts on the standard schedule are free.
- Other products have separate prices. Billing, invoicing, tax and other tools are priced on their own, so your total cost can be higher than the card fee alone.
Why small payments cost more?
The 30-cent fixed fee is the same on a $10 sale and a $1,000 sale. On $10 it’s 3 percentage points of the sale, so you pay 5.9% in total. On $1,000 it’s 0.03 points, so you pay 2.93%.
If you sell low-priced items, the fixed fee matters more than the 2.9%. Setting a minimum order, bundling items or raising prices slightly can protect your margin.
How to lower your Stripe fees
- Use bank payments for large invoices. ACH Direct Debit is 0.8% capped at $5. On a $1,000 payment, that’s $5.00, against $29.30 for a card.
- Ask Stripe about custom pricing. Stripe offers custom pricing for businesses with large payment volumes, and eligibility varies by market.
- Avoid unnecessary refunds and disputes, since the original fee isn’t returned and disputes cost $15.
- Think about currency. If you sell to customers in another country, check how conversion fees affect you before choosing the currency you charge in.
- Review your average sale size. Your effective rate depends heavily on it.
Should you pass Stripe fees to your customers?
You have a few options:
- Absorb the fee and treat it as a business cost.
- Build the fee into your prices, using the gross-up in the table above.
- Add a surcharge for card payments. Rules on this vary by country, state and card network, so check the local rules and Stripe’s terms first.
- Offer a cheaper payment method, such as a bank transfer, for large amounts.
Stripe fees in other countries
This calculator uses US pricing. Stripe publishes separate pricing for each country, and rates, extra fees and available payment methods differ. If your account is based outside the US, check the pricing page for your country on Stripe’s site.
Common Stripe fee mistakes
- Forgetting the fixed 30 cents.
- Adding the fee to the price instead of using a gross-up.
- Leaving out the international and currency conversion fees.
- Assuming a refund returns the fee.
- Using a calculator with out-of-date rates. Check the date it was last verified.
- Applying US rates to an account in another country.
Stripe fee calculator FAQ
How much does Stripe take per transaction?
For a standard US online card payment, Stripe takes 2.9% plus $0.30. On a $100 sale, that’s $3.20, and you receive $96.80.
What is Stripe’s percentage fee?
2.9% of the payment amount for domestic cards, plus a fixed $0.30. International cards add 1.5%, and currency conversion adds 1%.
How do you calculate Stripe fees?
Multiply the payment by 0.029 and add $0.30. For $50, that’s 50 × 0.029 + 0.30 = $1.75.
How much should I charge to receive $100 after Stripe fees?
Charge $103.30 at the standard US rate. The formula is (100 + 0.30) ÷ (1 − 0.029). For an international card, it’s $104.92.
Does Stripe charge monthly fees?
Stripe says standard pricing has no setup, monthly, or hidden fees, and you pay per successful transaction. Some other Stripe products, such as Billing or Tax, have their own pricing.
Does Stripe refund its fees when I refund a customer?
No. Stripe’s pricing page states that the payment processing and currency conversion fees from the original transaction aren’t refunded.
How much does Stripe charge for international payments?
Stripe adds 1.5% for international cards, and another 1% if currency conversion is needed. Together with the base rate, that’s 5.4% + $0.30.
Is this Stripe calculator for the US only?
Yes. It uses Stripe’s standard US pricing. Rates differ by country, so check Stripe’s pricing page for yours.
How accurate is this calculator?
It uses the rates published on Stripe’s pricing page and rounds to the nearest cent, so a real payout can differ by a cent. Confirm important figures on Stripe’s website.
How does this calculator work?
The Stripe fee calculator runs entirely in your browser, so nothing you type is sent anywhere. It uses the standard US rates from Stripe’s official pricing page, last verified on October 5, 2026. I test every result against hand-calculated examples, and I recheck the rates regularly. See How We Calculate for more.
HowCalculate isn’t affiliated with Stripe. Results are estimates, not financial advice. Looking for more tools? See all the Fee Calculators.
By Ajay Kumar, SEO strategist and content writer. Last updated: October 5, 2026