Stripe Fee Calculator

The Stripe Fee Calculator shows exactly how much Stripe takes from a charge and how much actually lands in your payout. Stripe's processing fee has two parts — a percentage of the charge plus a fixed per-transaction fee — and some payment methods also cap the total fee. This tool also works in reverse: tell it the amount you want to net, and it computes the exact amount to charge so your payout lands on your target after fees.

How Stripe Fees Work

For a standard online card payment, Stripe charges a percentage of the charge plus a small fixed fee. The fixed fee is the part people forget: it does not shrink with the charge, so it quietly eats a large share of small transactions. International cards add an extra percentage, and some methods — most notably ACH Direct Debit — cap the fee so it never grows past a set ceiling.

When there is no cap, the \(\min\) simply drops out and the fee is the percentage plus the fixed fee.

How to Charge to Net a Target (Gross-Up)

If you want to keep a specific amount, you cannot just add the fee percentage to your target — Stripe then charges its fee on the larger amount too, leaving you short. The correct gross-up divides by one minus the rate:

For example, to net 100.00 at a 2.9% + 0.30 fee, you must charge (100 + 0.30) / (1 − 0.029) = 103.30, not 103.20. The difference looks tiny on one charge but compounds across many. One twist: if a cap applies, the fee is flat, so you simply add the cap to your target instead of dividing.

Why Capped Fees (like ACH) Change the Math

Most fee calculators assume the fee always grows with the charge. That is wrong for capped methods. Stripe's ACH Direct Debit costs about 0.8% but is capped at 5.00, so once the percentage fee would exceed the cap, the fee stays flat. On a 5,000 charge, a naive 0.8% would be 40.00, but the real fee is just 5.00 — an effective rate of only 0.1%. This calculator models the cap explicitly, so large-charge and ACH estimates stay accurate where simpler tools overcharge you on paper.

Project Your Monthly Fee Bleed

Enter an optional transactions per month figure and the calculator multiplies the per-charge fee across your volume, then annualizes it. A 3.20 fee feels trivial — but at 500 charges a month it is 1,600 monthly and 19,200 a year. Seeing the annual number is often what justifies negotiating a rate or moving low-value, recurring charges to ACH.

Common Stripe Fee Rates

Rates differ by product, country, and currency and change over time. The figures below are widely-cited US examples to use as a starting point — always confirm the exact rate on your own Stripe account and edit the percentage, fixed fee, and cap in the calculator to match.

These rates are estimates for illustration and are not a quote from Stripe.

What Affects Your Stripe Fee

How to Use This Calculator

1. Choose a mode: "A charge succeeded" finds your fee and net payout; "I want to net a target" finds the amount to charge.
2. Enter the amount and currency: Type the charge amount (or your target net) and pick your currency.
3. Set the fee rate: Choose a preset or enter the exact Stripe percentage, fixed fee, and optional cap for your transaction.
4. Add volume (optional): Enter transactions per month to project monthly and annual fees.
5. Click Calculate: See the fee, net payout, effective rate, an animated breakdown, and a step-by-step walkthrough.

Frequently Asked Questions

How are Stripe fees calculated?

Stripe charges a percentage of each transaction plus a fixed per-transaction fee. The total fee is Charge × the percentage rate, plus the fixed fee. For example, on a 100 charge at 2.9% + 0.30, the fee is 100 × 0.029 + 0.30 = 3.20, leaving a net payout of 96.80.

How much should I charge to net a specific amount after Stripe fees?

To keep a target amount after a percentage fee and a fixed fee, divide by one minus the rate: Charge = (Target + Fixed fee) / (1 − rate). Simply adding the fee percentage on top is not enough, because Stripe then charges its fee on the higher amount too, leaving you short. If the fee is capped and the cap applies, you instead just add the cap to your target.

What is a capped Stripe fee and why does it matter?

Some Stripe payment methods cap the total fee. ACH Direct Debit, for example, costs around 0.8% but is capped at 5.00, so a large charge never pays more than the cap. A plain percentage-plus-fixed formula gets this wrong on big amounts, which is why this calculator lets you set a cap and applies it correctly.

What are the current Stripe fee rates?

Stripe rates vary by product, country, and currency and change over time. Common US examples include around 2.9% + 0.30 for standard online card payments, an extra fee for international cards, about 2.7% + 0.05 for in-person Terminal payments, and 0.8% capped at 5.00 for ACH Direct Debit. Always confirm the exact rate for your account, and edit the percentage, fixed fee, and cap in the calculator to match.

Why is the fee so high on small charges?

The fixed per-transaction fee does not shrink with the charge, so on small amounts it dominates. A fixed 0.30 fee is under 1% of a 100 charge but 6% of a 5 charge before the percentage is even added. For frequent small charges, this makes the effective rate much higher.

Can I pass the Stripe fee on to my customer?

You can build the fee into your price using the gross-up mode, which tells you the exact amount to charge so your net equals your target. Whether you may add a visible surcharge depends on Stripe's rules, card network rules, and local law, so check the requirements for your region before adding an explicit fee line.

Additional Resources

• Stripe, Inc. - Wikipedia
• Payment Processor - Wikipedia
• Automated Clearing House - Wikipedia