Stripe fee calculator: fees, payout and what to charge

This Stripe fee calculator shows the fee on a US Stripe payment, what lands in your account, and what to charge if you need to receive an exact amount. Standard online card pricing is 2.9% + 30¢, and add-ons such as international cards, currency conversion and Stripe Billing stack on top. Pick your payment type, tick what applies, and the numbers update as you type.

Nothing you type is stored or sent anywhere. The calculator runs in your browser. Rates are Stripe's standard US prices from stripe.com/pricing, checked October 11, 2026.

How to use the Stripe fee calculator

1. Pick a mode: you know the price you'll charge, or you know the amount you need to receive.
2. Enter the amount and pick the payment type: online card, in-person card on Stripe Terminal, ACH Direct Debit, or a custom rate if you have negotiated pricing.
3. Tick any add-ons that apply to this payment, such as an international card or Stripe Billing.
4. Add how many payments like this you take a month to see the monthly cost.

The tool also prices the same payment by ACH Direct Debit (or by card, if you picked ACH), so you can see what moving invoices to bank debit would save.

How Stripe fees are calculated

Stripe charges a percentage of the payment plus a fixed amount per successful transaction. The standard US rates on Stripe's pricing page, checked October 11, 2026:

Item	Standard US price
Domestic card, online	2.9% + 30¢
Card entered manually	+0.5%
International card	+1.5%
Currency conversion	+1%
ACH Direct Debit	0.8%, capped at $5.00
In-person card (Stripe Terminal)	2.7% + 5¢; Tap to Pay +10¢
Stripe Billing, pay as you go	0.7% of Billing volume
Stripe Invoicing Starter	0.4% per paid invoice
Stripe Tax Basic, no-code	0.5% per transaction
Dispute received	$15.00

The calculator uses these formulas:

• Fee = amount × (base rate + add-on rates) + fixed fee. For ACH, the 0.8% part stops at $5.00.
• You receive = amount − fee.
• What to charge to receive a set amount = (amount you need + fixed fee) ÷ (1 − total rate). The tool then finds the lowest whole-cent price that still nets your target after rounding.
• Effective rate = fee ÷ amount charged.

A common mistake is to add 2.9% to the price and stop there. Stripe takes its percentage from the higher price, plus the 30¢, so you end up short. Dividing by (1 − rate) fixes that.

Worked example: a $250 invoice paid by a foreign card

This is an example. A consultant invoices $250 and the client pays online with a card issued outside the US.

• Rate: 2.9% + 1.5% international = 4.4%
• Fee: $250 × 4.4% = $11.00, plus $0.30 = $11.30
• Received: $250 − $11.30 = $238.70

To receive the full $250 instead: ($250 + $0.30) ÷ (1 − 0.044) = $250.30 ÷ 0.956 = $261.82. Check it: $261.82 × 4.4% = $11.52, plus $0.30 = $11.82 fee, and $261.82 − $11.82 = $250.00.

Now say the same client pays 40 invoices like this a year by ACH Direct Debit from a US bank account. ACH costs $250 × 0.8% = $2.00 each, against $11.30 by international card. Across 40 invoices that is $80.00 against $452.00, or $372.00 kept.

What a good Stripe fee rate looks like, and what to do next

On domestic online cards, a $100 payment costs $3.20, an effective rate of 3.2%. Small payments are where the fixed fee hurts: a $5 payment costs $0.45, or 9%. If your effective rate is well above 3.2%, look at these, in order:

• Small tickets. Bundle low-value items or set a minimum order. Our AOV calculator shows what a higher basket is worth.
• B2B invoices. Offer ACH Direct Debit. The $5.00 cap makes it far cheaper on large invoices.
• Foreign customers. International cards and conversion can add 2.5 points. Price that into your margin; the markup calculator helps.
• Refunds. Stripe says processing and currency conversion fees from the original charge are not returned when you refund. A high refund rate costs you twice.

If you sell on Shopify, Stripe is only one of the fees per order. The Shopify fee calculator and the Shopify profit margin calculator show the rest.

FAQ

How much does Stripe charge per transaction?

For US businesses, Stripe's standard price for domestic online cards is 2.9% + 30¢ per successful transaction. Manually entered cards add 0.5%, international cards add 1.5%, and currency conversion adds 1%. In-person cards on Stripe Terminal cost 2.7% + 5¢. ACH Direct Debit costs 0.8% capped at $5.00. Businesses with large volume can ask Stripe for custom pricing.

How do I calculate the Stripe fee?

Multiply the payment by the percentage rate, then add the fixed fee. For a $100 online domestic card payment: $100 × 2.9% = $2.90, plus $0.30, gives a $3.20 fee and $96.80 received. Add any add-on percentages, such as 1.5% for an international card, to the rate before you multiply.

How do I pass Stripe fees to the customer?

Divide the amount you want to receive, plus the fixed fee, by one minus the rate. To net $100 on a domestic online card: ($100 + $0.30) ÷ 0.971 = $103.30. Adding 2.9% alone leaves you short. The second mode of the calculator above does this sum for you, rounded to the cent.

Does Stripe refund fees when I refund a customer?

No. Stripe's support page says that for all refunds, payment processing, Connect and currency conversion fees from the original charge are not returned. So a refunded $100 domestic card sale still costs you the $3.20 fee. Keep that in mind when you set your refund policy and when you work out the true cost of returns.

Is ACH cheaper than cards on Stripe?

Usually, and by a lot on larger amounts. ACH Direct Debit costs 0.8% with a $5.00 cap, so a $2,000 invoice costs $5.00 by ACH against $58.30 by domestic online card. On a $20 payment the gap is small: $0.16 by ACH against $0.88 by card. ACH takes longer to settle, so it suits invoices more than checkout.