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Finance Calc Kit
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Stripe Fee Calculator

Calculate Stripe payment processing fees instantly. See how much you will receive after the 2.9% + $0.30 fee per transaction.

Transaction details

$
Quick amounts:

Net amount you receive

$96.80

Total Stripe fees: $3.20 (3.2% effective rate)

Stripe fee amount

$3.20

2.9% percentage fee ($2.90) plus $0.30 fixed fee

Gross charge composition

  • Net received$96.8096.8%
  • Stripe fees$3.203.2%

How Stripe fees are calculated

Deduction of Stripe percentage and fixed fees from the customer charge amount.

  1. Percentage processing fee

    Percentage Fee=Gross×2.9%=$100.00×0.0290=$2.90\text{Percentage Fee} = \text{Gross} \times 2.9\% = \$100.00 \times 0.0290 = \$2.90

    Standard US domestic card charges use the published 2.9% rate.

  2. Fixed transaction fee

    Fixed Fee=$0.30\text{Fixed Fee} = \$0.30

    Stripe charges a per-transaction fixed fee on each successful card charge.

  3. Net received

    Net Received=Gross−Total Fees=$100.00−$3.20=$96.80\text{Net Received} = \text{Gross} - \text{Total Fees} = \$100.00 - \$3.20 = \$96.80

    Effective fee rate: 3.2% of the gross charge.

Stripe fee rates reflect Stripe US published standard card processing pricing effective September 1, 2026. International cards, currency conversion, and alternative payment methods may incur additional fees. Confirm current rates on Stripe before quoting customer prices.
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How Stripe payment processing fees work

Stripe charges merchants a percentage fee plus a fixed per-transaction fee on successful card payments. Whether you run an e-commerce store, sell SaaS subscriptions, or invoice freelance clients through Stripe Checkout, understanding the fee structure helps you price accurately and protect your margins. This calculator uses Stripe US published standard card processing rates effective September 1, 2026.

Compare processing costs across payment platforms with our PayPal fee calculator or the Cash App fee calculator. When building processing fees into your product pricing, the markup calculator helps you set retail prices that cover payment costs and still hit your profit targets.

Standard US card processing rates

For standard domestic credit and debit card payments processed through Stripe, the published rate is 2.9% plus $0.30 per successful transaction. Stripe deducts this fee from the charge amount before depositing your net balance.

  • Percentage fee: 2.9% of the gross charge amount.
  • Fixed fee: $0.30 per successful card charge.

Forward fee calculation (charge amount)

When a customer pays a known charge amount, Stripe deducts fees before depositing your net proceeds. Use charge amount mode when you want to know how much you will actually receive from a specific invoice or payment.

Total Fee=(Gross×2.9%)+$0.30\text{Total Fee} = (\text{Gross} \times 2.9\%) + \$0.30
Net Received=Gross−Total Fee\text{Net Received} = \text{Gross} - \text{Total Fee}

For example, a $100.00 charge incurs a $2.90 percentage fee (2.9% of $100.00) plus a $0.30 fixed fee, for total fees of $3.20. You receive $96.80 net.

Reverse fee calculation (gross needed)

Freelancers and small businesses often need to charge a gross amount that leaves a specific net balance after Stripe deducts processing fees. The reverse formula solves for the gross charge required to net your target amount.

Gross to Charge=Target Net+Fixed Fee1−Percentage Rate\text{Gross to Charge} = \frac{\text{Target Net} + \text{Fixed Fee}}{1 - \text{Percentage Rate}}

For example, to net exactly $100.00 after Stripe fees:

Gross=100.00+0.301−0.029=100.300.971≈$103.30\text{Gross} = \frac{100.00 + 0.30}{1 - 0.029} = \frac{100.30}{0.971} \approx \$103.30

Charging $103.30 incurs approximately $3.30 in Stripe fees, leaving you with $100.00 in your account.

Example fee table

The table below shows Stripe fees and net payouts for common charge amounts at the standard US rate of 2.9% plus $0.30.

Charge amountStripe feeYou receive
$10.00$0.59$9.41
$50.00$1.75$48.25
$100.00$3.20$96.80
$500.00$14.80$485.20
$1,000.00$29.30$970.70

Tips to minimize Stripe processing costs

  • Build fees into your pricing: Use gross needed mode before quoting fixed project rates to clients.
  • Batch smaller payments when possible: The $0.30 fixed fee has a larger impact on low-value transactions.
  • Review volume pricing: Businesses processing over $1 million annually may qualify for custom Stripe pricing.
  • Compare payment processors: Review alternatives if your average transaction size makes another processor more economical.

Frequently asked questions

How much does Stripe charge for US card payments?
For standard domestic credit and debit card payments, Stripe charges 2.9% plus $0.30 per successful transaction, per rates effective September 1, 2026.
Does Stripe charge additional fees beyond 2.9% plus $0.30?
Yes. International cards, currency conversion, chargebacks, and certain payment methods may incur extra fees. This calculator models the standard US domestic card processing rate only.
How do I calculate what to charge to cover Stripe fees?
Use gross needed mode. Enter your target net amount and the calculator solves for the gross charge using the reverse formula: (target net + fixed fee) divided by (1 minus percentage rate).
Can I pass Stripe fees to my customers?
Stripe terms generally allow passing processing costs to customers, but surcharge laws vary by state and country. Check local regulations and your Stripe agreement before adding surcharges.
Are there discounted rates for high-volume businesses?
Yes. Stripe offers custom pricing for businesses processing over $1 million annually. Contact Stripe sales to negotiate lower rates.
Are my calculation inputs stored on the server?
No. All math runs in your browser. Changing values updates the shareable URL without storing personal data.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.