Calculate Stripe processing fees: 2.9% + $0.30 domestic, plus 1% international and 1% currency conversion surcharges. See net amount received.
Stripe is one of the most popular payment processors for online businesses. Its standard fee is 2.9% + $0.30 per successful domestic card charge. International cards add an additional 1% surcharge, and if currency conversion is required, another 1% is added on top.
For a domestic transaction, the effective rate depends on the transaction amount — the fixed $0.30 component has a larger impact on small transactions. A $10 charge has an effective rate of 5.9%, while a $100 charge has an effective rate of 3.2%.
This calculator computes the exact Stripe fee for any transaction amount, including international and currency conversion surcharges. It also shows you the amount you need to charge to receive a specific net amount after fees. Whether you are a beginner or experienced professional, this free online tool provides instant, reliable results without manual computation. By automating the calculation, you save time and reduce the risk of costly errors in your planning and decision-making process.
Knowing your exact Stripe fee per transaction helps you price products correctly, decide on minimum order amounts, and compare Stripe against other payment processors. The calculator handles the math for international and conversion fees, which many sellers forget to include. Having a precise figure at your fingertips empowers better planning and more confident decisions.
Stripe Fee = Amount × 2.9% + $0.30 International Surcharge = Amount × 1% (if applicable) Conversion Fee = Amount × 1% (if applicable) Total Fee = Base Fee + International + Conversion Net Received = Amount − Total Fee
Result: Fee: $3.20 | Net: $96.80
A $100 domestic transaction: Fee = $100 × 2.9% + $0.30 = $2.90 + $0.30 = $3.20. Net received: $100 − $3.20 = $96.80. The effective rate is 3.2%. For an international card with conversion: $100 × 4.9% + $0.30 = $5.20.
Stripe's standard rate of 2.9% + $0.30 applies to most online businesses. High-volume merchants ($80K+/month) can access reduced rates. Stripe also offers special pricing for nonprofits, platforms using Stripe Connect, and enterprises. ACH bank transfers are priced at 0.8% capped at $5, which is significantly cheaper for larger transactions.
The $0.30 fixed fee per transaction disproportionately affects low-value transactions. A $5 transaction costs $0.45 in fees (9% effective rate), while a $500 transaction costs $14.80 (2.96% effective rate). Businesses with low average order values should consider minimum order amounts or bundling small transactions.
Selling internationally on Stripe means potentially paying up to 4.9% + $0.30 per transaction. To minimize international fees, consider using Stripe Atlas to set up local entities in key markets, which converts international transactions to domestic ones for fee purposes.
Stripe charges 2.9% + $0.30 per successful card charge for domestic transactions. International cards add 1%, and currency conversion adds another 1%, making the maximum rate 4.9% + $0.30 for international transactions with conversion.
No. Stripe only charges fees on successful transactions. Failed or declined transactions do not incur a fee. However, disputes (chargebacks) incur a $15 fee regardless of outcome.
Stripe does not refund the processing fee when you issue a refund to a customer. If you refund a $100 charge, you lose the $3.20 in fees. This makes refund rates an important factor in your cost calculations.
Stripe's 2.9% + $0.30 is very similar to PayPal's 2.99% + $0.49 for most online transactions. Stripe is slightly cheaper per transaction due to its lower fixed fee. Stripe offers better developer tools, while PayPal has stronger buyer recognition.
In most jurisdictions, you can add a surcharge to cover processing fees, though some states and countries prohibit credit card surcharges. Check local regulations. An alternative is to offer a cash/ACH discount instead of a card surcharge.
Stripe offers custom pricing for businesses processing over $80,000/month, typically 2.7% + $0.15 or lower. Enterprise-level volumes can negotiate further. Contact Stripe's sales team for a custom quote.