Stripe Fee Calculator | Calculate Payment Processing Fees Accurately
Stripe Fee Calculator
Calculate payment processing fees and net amounts accurately
Fee Visualization
Stripe Fee Information
Based on your transaction details, here’s the breakdown of Stripe’s standard processing fees for US-based businesses.
- Stripe charges 2.9% + $0.30 per successful card charge
- International cards have additional 1% fee
- Nonprofits may qualify for reduced rates
Note: This calculator provides estimates based on standard Stripe fee structures. Actual fees may vary based on your specific Stripe account, volume discounts, card types, and other factors. Always refer to your Stripe dashboard for exact fee calculations.
Stripe Fee Calculator – Calculate Payment Processing Costs Accurately
Welcome to our comprehensive Stripe fee calculator. This essential tool helps e-commerce businesses, SaaS companies, freelancers, and entrepreneurs accurately calculate Stripe payment processing fees. Whether you’re processing one-time payments, subscriptions, or international transactions, our calculator provides instant, reliable fee estimates based on current Stripe pricing structures.
Understanding payment processing fees is crucial for proper pricing, profit margin calculations, and financial planning. Our Stripe fee calculator takes into account transaction amount, payment method, country, business type, and additional Stripe features to deliver precise fee calculations for your specific payment scenarios.
Quick Tip: Use our Stripe fee calculator above by entering your transaction details. The calculator automatically adjusts fees based on payment method, country, and business type, helping you understand exactly how much you’ll receive after Stripe deducts their processing fees.
Understanding Stripe Payment Processing Fees
Stripe fees vary based on multiple factors. Here’s what you need to know about their pricing structure:
Standard Card Payments
For US businesses: 2.9% + $0.30 per successful card charge. This is Stripe’s most common fee structure for domestic card payments.
International Cards
Additional 1% fee for cards issued outside your country. Some regions have different base rates for international transactions.
Alternative Payment Methods
ACH transfers cost 0.8% (max $5), while digital wallets like Apple Pay have the same fees as card payments.
Business Type Discounts
Nonprofits may qualify for reduced rates (2.2% + $0.30), and registered businesses can get volume discounts.
Stripe Fee Breakdown and Cost Components
Understanding what contributes to total Stripe fees helps you budget accurately:
| Fee Component | Standard Rate | Description |
|---|---|---|
| Percentage Fee | 2.9% | Percentage of transaction amount, varies by country and card type |
| Fixed Fee | $0.30 | Flat fee per transaction (USD equivalent in other currencies) |
| International Cards | +1% | Additional fee for cards issued outside your country |
| Currency Conversion | 1% | Fee for automatic currency conversion if needed |
| ACH Payments | 0.8% (max $5) | Lower fees for bank transfers, but slower settlement |
| Additional Features | Varies | Extra costs for Radar, Billing, Connect, and other premium features |
How to Calculate Stripe Fees Accurately
Get precise fee calculations by considering all relevant factors:
Determine Base Rate
Start with 2.9% + $0.30 for US card payments, then adjust based on country and payment method.
Check Card Origin
Add 1% for international cards. Determine if customer’s card was issued in your country.
Consider Business Type
Nonprofits get reduced rates. Registered businesses may qualify for custom pricing.
Factor in Additional Services
Add costs for Stripe Radar, Billing, Connect, or recurring payment features if used.
Pro Tip: Our Stripe fee calculator automatically handles all these calculations for you. Simply enter your transaction details, and it will compute all fees including percentage fees, fixed fees, international surcharges, and additional feature costs to give you an accurate net amount.
Stripe Fee Calculator FAQs
For standard online card payments in the US, Stripe charges 2.9% + $0.30 per successful transaction. For example, a $100 transaction would incur $2.90 (2.9%) + $0.30 = $3.20 in fees, leaving you with $96.80. International cards add 1%, making it 3.9% + $0.30. ACH transfers cost 0.8% (maximum $5). These rates vary by country: UK is 1.4% + £0.20, EU is 1.4% + €0.25, Canada is 2.9% + CA$0.30. Nonprofits may qualify for reduced rates of 2.2% + $0.30.
Stripe is generally transparent about fees, but there are additional costs to consider: 1% for currency conversion if you accept payments in different currencies, $15 chargeback fee (refunded if you win the dispute), fees for additional services like Stripe Radar (fraud protection) at $0.05-$0.07 per transaction, Stripe Billing for subscriptions, and Stripe Connect for marketplaces. There are also fees for manual processes like instant payouts (1% of payout amount). No monthly fees or setup costs for standard accounts, which makes Stripe attractive for businesses of all sizes.
To ensure you receive a specific net amount after Stripe fees, use this formula: Charge Amount = (Desired Net Amount + Fixed Fee) / (1 – Percentage Fee). For example, if you want to receive $100 after fees with standard US rates: ($100 + $0.30) / (1 – 0.029) = $100.30 / 0.971 = $103.32. So charge $103.32 to receive $100 net. Our calculator can also work in reverse – enter your desired net amount and it will calculate the necessary charge amount. Some businesses add a “processing fee” surcharge, but check local regulations as this may be restricted in some areas.
Yes, Stripe fees vary significantly by country. For card payments: United States: 2.9% + $0.30, United Kingdom: 1.4% + £0.20, European Union: 1.4% + €0.25, Canada: 2.9% + CA$0.30, Australia: 1.75% + AU$0.30, Singapore: 3.4% + S$0.50. These rates are for domestic cards within each country. International cards typically add 1% to these rates. Some countries also have different rates for specific card types (like American Express may have higher fees). Always check Stripe’s latest pricing for your specific country as rates can change.
Yes, Stripe offers custom pricing for businesses with high processing volumes. Typically, businesses processing over $80,000/month may qualify for volume discounts. Enterprise businesses processing millions annually can negotiate even lower rates. To get custom pricing, you need to contact Stripe sales and provide details about your business volume, average transaction size, and industry. Nonprofits automatically qualify for reduced rates (2.2% + $0.30 in the US). Some industries like marketplaces using Stripe Connect or SaaS companies using Stripe Billing may also get different rate structures.
Stripe, PayPal, and Square have similar base rates but different structures. Stripe: 2.9% + $0.30 for online payments, transparent API-first approach. PayPal: 2.9% + $0.30 (similar), but additional fees for currency conversion and cross-border transactions. Square: 2.6% + $0.10 for in-person, 2.9% + $0.30 for online (similar to Stripe). Key differences: Stripe is developer-focused with more customization, PayPal has wider consumer recognition, Square excels at in-person payments. For international payments, Stripe often has better rates. For high volumes, all three offer custom pricing. Consider your specific needs – developers often prefer Stripe, while small retailers may prefer Square’s hardware integration.
Tips for Reducing Stripe Processing Fees
Follow these strategies to minimize your payment processing costs:
- Optimize for ACH payments when possible (0.8% vs 2.9% for cards)
- Encourage domestic cards to avoid the 1% international fee
- Apply for nonprofit rates if eligible (2.2% + $0.30 in US)
- Negotiate custom pricing if processing over $80,000/month
- Batch transactions when possible to reduce per-transaction fixed fees
- Use Stripe’s optimized checkout to reduce failed transactions and associated fees
- Monitor for fraudulent transactions to avoid chargeback fees ($15 each)
- Consider annual billing for subscriptions to reduce per-transaction fees
Remember: While minimizing fees is important, also consider the value Stripe provides – reliable infrastructure, fraud protection, global reach, and developer tools. Sometimes paying slightly higher fees for better features and reliability can save money in the long run through reduced chargebacks, better conversion rates, and time savings.
International Stripe Fee Comparison
Stripe fees vary by country. Here’s a comparison of standard card payment rates:
| Country | Domestic Card Rate | International Card Rate | Fixed Fee (Local Currency) |
|---|---|---|---|
| United States | 2.9% | 3.9% | $0.30 |
| United Kingdom | 1.4% | 2.4% | £0.20 |
| European Union | 1.4% | 2.4% | €0.25 |
| Canada | 2.9% | 3.9% | CA$0.30 |
| Australia | 1.75% | 2.75% | AU$0.30 |
| Singapore | 3.4% | 4.4% | S$0.50 |
These rates are for standard online card payments. Additional fees apply for premium cards (like American Express), currency conversion (1%), and value-added services. Rates may change, so always verify current pricing on Stripe’s official website.
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