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Stripe Fees Calculator

Calculate Stripe processing fees instantly. See exactly how much you'll pay or what to charge to receive a specific amount.

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Stripe Standard Rates (2025)

Domestic: 2.9% + $0.30 | International: 3.9% + $0.30 | ACH: 0.8% (max $5)

💵 Transaction Amount

📊 Fee Breakdown

You Will Receive

$0.00

after $0.00 in fees (0.00%)

Transaction Amount$100.00
Stripe Fee-$0.00
Effective Fee Rate0.00%
You Receive$0.00

💡 Formula: Fee = (Amount × Rate%) + Fixed Fee

📊 Stripe Fee Quick Reference Table

Common transaction amounts with fees for each payment type

AmountDomestic FeeYou ReceiveInt'l FeeACH Fee
$25.00$1.03$23.98$1.28$0.20
$50.00$1.75$48.25$2.25$0.40
$100.00$3.20$96.80$4.20$0.80
$250.00$7.55$242.45$10.05$2.00
$500.00$14.80$485.20$19.80$4.00
$1,000.00$29.30$970.70$39.30$5.00
$2,500.00$72.80$2,427.20$97.80$5.00
$5,000.00$145.30$4,854.70$195.30$5.00
$10,000.00$290.30$9,709.70$390.30$5.00

* Rates: Domestic 2.9% + $0.30 | International 3.9% + $0.30 | ACH 0.8% (max $5.00)

📐 How to Calculate Stripe Fees

Standard Fee Calculation

Stripe Fee = (Amount × 2.9%) + $0.30
You Receive = Amount - Stripe Fee

Example: $100 transaction
Fee = ($100 × 0.029) + $0.30 = $3.20
You Receive = $100 - $3.20 = $96.80

Reverse Calculation (Pass Fees to Customer)

Charge = (Desired + $0.30) ÷ (1 - 0.029)

Example: Want to receive $100
Charge = ($100 + $0.30) ÷ 0.971
Charge = $103.30

💰 Stripe Fee Types Comparison

💳 Card Payments

  • Domestic: 2.9% + $0.30
  • International: +1% extra
  • Currency conversion: +1%
  • In-person (Terminal): 2.7% + $0.05

🏦 Bank Payments

  • ACH Direct Debit: 0.8%
  • ACH max fee: $5.00
  • Wire transfers: $8.00
  • Instant payouts: 1%

💳 Stripe Fee Facts

Standard Rate

2.9% + $0.30 per transaction

No Monthly Fee

Pay only when you process

Chargeback Fee

$15 per disputed charge

Volume Discount

Available for $80K+/month

💡 Fee-Saving Tips

  • Use ACH for large payments ($625+)
  • Batch invoices to reduce fixed fees
  • Negotiate rates at high volume
  • Consider passing fees legally
  • Minimize chargebacks & refunds

Frequently Asked Questions

For a $100 transaction with a US domestic card, Stripe charges 2.9% + $0.30 = $3.20. You would receive $96.80 after fees. For international cards, the fee is 3.9% + $0.30 = $4.20, leaving you with $95.80.

Stripe's standard fee is 2.9% + $0.30 per successful card transaction for domestic cards. International cards incur an additional 1% (3.9% + $0.30). ACH bank transfers are charged at 0.8% with a maximum fee of $5.00. In-person payments via Stripe Terminal are 2.7% + $0.05.

Both PayPal and Stripe charge similar rates for standard transactions: 2.9% + $0.30. However, differences emerge in specific scenarios. PayPal charges 3.49% + $0.49 for PayPal checkout, while Stripe remains at 2.9% + $0.30. For international transactions, both add approximately 1.5%. Stripe often wins for developers due to better APIs and customization options.

To calculate a 3% processing fee: multiply the transaction amount by 0.03. For example, $100 × 0.03 = $3.00. To pass fees to customers (reverse calculation), use the formula: Amount ÷ (1 - 0.03) = Charge Amount. So to receive $100 after a 3% fee, charge $100 ÷ 0.97 = $103.09.

Yes, you can pass Stripe fees to customers by adding a surcharge. However, this must comply with local laws—some jurisdictions prohibit surcharging. Use the reverse calculator to determine the exact amount to charge. For example, to receive $100 after fees, you'd need to charge $103.30 (for domestic cards).

Stripe does not refund the original processing fee when you issue a refund to a customer. For example, if you processed a $100 charge (fee: $3.20) and then refund it, you lose the $3.20 fee. Additionally, Stripe charges a $15 fee for chargebacks/disputes.

💳 Disclaimer: This calculator uses Stripe's published rates as of 2025. Actual fees may vary based on your account type, negotiated rates, or specific payment methods. Always verify current rates on Stripe's pricing page. This tool is for informational purposes only.