Stripe Fee Calculator
A free Stripe fee calculator. Enter what you charge to see the fee broken down line by line and what you keep, or flip to reverse mode and find the charge needed to net exactly what you want.
This free Stripe fee calculator breaks down Stripe's 2.9% plus $0.30 fee line by line, with toggles for micropayments, international cards, and currency conversion, plus a reverse mode that finds the charge needed to net a target amount.
Fee breakdown
Estimates only, based on Stripe's standard published US online rates. Actual rates vary by country, card, and plan, and can change. Confirm current rates in your Stripe dashboard before pricing decisions. See Terms of Use.
How Stripe fees break down
Stripe's standard online rate for US cards is 2.9% of the transaction plus a fixed $0.30 per charge. On a $100 payment the percentage slice is $2.90 and the fixed slice is $0.30, for a total fee of $3.20 and a net deposit of $96.80. The fixed $0.30 hurts small tickets most: on a $5 charge the fee is $0.45, nearly 9% of the payment. That is why Stripe offers a micropayment rate of 5% plus $0.05, available on request for merchants with high small-ticket volume. It trades a higher percentage for a much lower fixed fee. The crossover sits near $11.90, so below that amount micropayments cost less, above it the standard rate wins, and at exactly $5 the standard fee is $0.45 while micropayments cost $0.30.
International cards add another 1.5% on top of the standard rate, and if Stripe converts the currency there is a further 1% conversion fee. A $100 charge on a foreign card converted to USD costs 2.9% plus 1.5% plus 1% plus $0.30, or $5.70, leaving $94.30. Billing customers in their local currency removes the conversion slice but keeps the international surcharge.
Card type and presentation change the numbers. Amex cards billed online use the same 2.9% plus $0.30 as Visa and Mastercard, and Stripe does not add an Amex surcharge domestically. What changes the rate is how the card is presented: in-person chip or tap payments run about 2.7% plus $0.05, while manually keyed-in card-not-present payments run higher, around 3.4% plus $0.30. Rates also vary by country and pricing can change, so treat this calculator as an estimate and confirm the current rates in your Stripe dashboard before pricing decisions.
Stripe fee calculator questions
How much does Stripe charge per transaction?
Stripe's standard US online rate for card payments is 2.9% of the transaction amount plus a fixed $0.30 per charge. On a $100 payment that is $2.90 plus $0.30, for a total fee of $3.20 and a net deposit of $96.80.
What is Stripe's micropayment rate and when does it win?
Stripe's micropayment rate is 5% plus $0.05 per transaction, available on request for merchants with high small-ticket volume. It wins on charges under about $11.90, where the lower fixed fee beats the higher percentage. At $5, the standard fee is $0.45 while micropayments cost $0.30.
How do I calculate the Stripe fee on an international card?
Add 1.5% to the standard rate for international cards, and another 1% if Stripe converts the currency. A $100 charge on a foreign card converted to USD costs 2.9% plus 1.5% plus 1% plus $0.30, or $5.70, leaving $94.30.
How do I charge enough to net a target amount after Stripe fees?
Use reverse mode: with the standard rate, divide your target net plus the $0.30 fixed fee by 0.971. For example, to net exactly $100, charge ($100 + $0.30) divided by 0.971, or $103.30. The calculator does this math for any fee mix.
Does Stripe charge more for Amex or keyed-in cards?
Online, Amex cards use the same 2.9% plus $0.30 as Visa and Mastercard. The rate changes with how the card is presented: in-person chip or tap payments run about 2.7% plus $0.05, while manually keyed-in card-not-present payments run higher, around 3.4% plus $0.30.