Select Card Type
Standard US
2.9% + $0.30
International
4.4% + $0.30
Manual Entry
3.4% + $0.30
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How to Use This Calculator
Three modes cover every Stripe fee scenario:
- Fee on a Charge — Enter any transaction amount, pick your card type, and instantly see how much Stripe keeps and how much you receive.
- Charge to Receive — Enter the exact amount you want to net after fees. The calculator tells you what to charge your customer so you hit your target.
- Custom Rate — Enter any percentage and fixed fee for non-standard Stripe plans or other payment processors like PayPal, Square, or Braintree.
💡 Pro tip: Use the "Charge to Receive" tab when invoicing clients. Never eat Stripe fees again — charge the gross amount that nets you exactly what you want.
Stripe Fees Explained (2025)
Stripe's fee structure is transparent with no monthly fees or setup costs. You only pay when a transaction is successfully processed.
Current Stripe Fee Rates
| Card / Method | Percentage | Fixed Fee | Total |
|---|---|---|---|
| Standard US Card | 2.9% | $0.30 | 2.9% + $0.30 |
| International Card | 4.4% | $0.30 | 4.4% + $0.30 |
| Manually Entered Card | 3.4% | $0.30 | 3.4% + $0.30 |
| ACH Direct Debit | 0.8% | $0.00 | 0.8% (max $5) |
| Stripe Billing (subscriptions) | 2.9% | $0.30 | + 0.5% for recurring |
Fee Formulas
Stripe Fee = (Amount × 2.9%) + $0.30
Example: $150 charge → ($150 × 0.029) + $0.30 = $4.65 fee → You receive $145.35
Charge to Receive X = (X + $0.30) ÷ (1 − 0.029)
Example: To receive $100 → ($100 + $0.30) ÷ 0.971 = Charge $103.40
Frequently Asked Questions
Does Stripe charge a monthly fee?
No. Stripe's standard plan has no monthly fee, no setup fee, and no minimum volume. You only pay the per-transaction fee when a payment is successfully processed. Enterprise plans with custom pricing are available for high-volume businesses.
Are Stripe fees refunded when I issue a refund?
No. When you refund a transaction, Stripe returns the transaction amount to your customer but keeps the processing fee. This is why minimizing refunds is important. For chargebacks (disputes), Stripe charges a $15 dispute fee, which is returned if you win the dispute.
Can I pass Stripe fees to my customers?
Yes. Stripe allows passing fees to customers. Use our "Charge to Receive" tab to calculate the exact gross amount to charge. Note that surcharging laws vary by US state and country — always verify local regulations before adding surcharges to invoices.
What is the Stripe fee for international cards?
International cards (issued outside the US) incur a 4.4% + $0.30 fee — an extra 1.5% over the standard rate. If currency conversion is needed, Stripe charges an additional 1% conversion fee on top of the transaction fee.
How does Stripe compare to PayPal fees?
Both charge 2.9% + $0.30 for standard online card transactions. Key differences: Stripe offers more developer flexibility; PayPal has stronger consumer brand recognition; Stripe's dashboard and API are generally considered superior for SaaS and e-commerce businesses; PayPal charges additional fees for certain withdrawal and currency conversion scenarios.
How do I get lower Stripe fees?
For high-volume businesses processing over $80,000/month, Stripe offers custom (interchange-plus) pricing. Contact Stripe's sales team to negotiate. Other strategies include using ACH payments (0.8%, max $5) instead of cards where possible, reducing international transactions, and avoiding manually entered cards which carry a higher 3.4% rate.
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