Stripe Fee Calculator
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Stripe’s standard US rate for online card payments is 2.9% + 30¢. On a $100 charge the fee is $3.20 and you receive $96.80. International cards add 1.5% and currency conversion adds 1%.
| Charge | $100.00 |
| Rate | 2.9% + $0.30 |
| Stripe fee | $3.20 |
| You receive | $96.80 |
| Effective fee rate | 3.2% |
Show steps
- Fee = $100.00 x 2.9% + $0.30 = $3.2000 = $3.20.
- You receive $100.00 – $3.20 = $96.80.
How to use the Stripe fee calculator
- Choose whether you want the fee on a charge or the price to charge to receive a set amount.
- Enter the amount.
- Pick the payment method, and say whether the card is international, converted to another currency or typed in by hand.
- Press Calculate to see the fee, your payout and the effective rate.
Stripe fee formula
- Fee = amount × rate + fixed fee
- Payout = amount − fee
- Amount to charge = (amount you want + fixed fee) ÷ (1 − rate)
Add-ons stack: an online charge on a foreign card that is converted to US dollars costs 2.9% + 1.5% + 1% = 5.4% + 30¢.
Stripe US standard rates used here
| Payment | Fee |
|---|---|
| Domestic cards, online | 2.9% + 30¢ |
| Manually entered cards | Add 0.5% |
| International cards | Add 1.5% |
| Currency conversion | Add 1% |
| Cards in person (Terminal) | 2.7% + 5¢ |
| ACH Direct Debit | 0.8%, capped at $5 |
| Dispute | $15 per dispute |
| Instant payout | 1.5%, $0.50 minimum |
Worked examples
| Charge | Work | Fee | Payout |
|---|---|---|---|
| $100, US card online | 100 × 2.9% + 0.30 | $3.20 | $96.80 |
| $100, foreign card, converted | 100 × 5.4% + 0.30 | $5.70 | $94.30 |
| $40, in person | 40 × 2.7% + 0.05 | $1.13 | $38.87 |
| $2,000 by ACH | 2,000 × 0.8% = $16, capped | $5.00 | $1,995.00 |
Charging to receive $100 online: (100 + 0.30) ÷ 0.971 = 103.29…, so charge $103.30. The fee is $3.30 and you receive $100.00.
When ACH is cheaper
ACH costs 0.8% with a $5 cap, so it beats online card fees on almost every amount. On $625 or more the cap applies: 625 × 0.008 = $5. A $5,000 invoice paid by card costs $145.30; by ACH it costs $5.
Common mistakes
- Adding the fee on top. Charging $103.20 to cover a $3.20 fee leaves $99.90, because the fee grows with the charge.
- Forgetting stacked add-ons. International and conversion fees add to the base rate.
- Expecting refunds to return fees. Stripe does not return processing fees on refunds.
Stripe fee practice quiz: 10 questions
Test yourself with 10 multiple-choice questions. Choose an answer and press Submit to see if you are right and why. Your score appears at the end.
2.9% + 1.5% international + 1% conversion = 5.4%, plus the 30¢ fixed fee.
(200 + 0.30) ÷ 0.971 = 206.282…, so round up to the next cent, $206.29. The fee is 206.29 × 0.029 + 0.30 = $6.28, leaving $200.01.
$5 pays 0.145 + 0.30 = $0.45, or 9%. $500 pays 14.50 + 0.30 = $14.80, or 2.96%. The fixed 30¢ weighs more on small charges.
Quiz complete
Frequently asked questions
How much does Stripe charge per transaction?
For US businesses on standard pricing, 2.9% + 30¢ for domestic cards online. International cards add 1.5%, currency conversion adds 1%, and manually entered cards add 0.5%.
How much is the Stripe fee on $100?
$3.20 for a domestic card online (100 × 2.9% + $0.30), so you receive $96.80.
How do I pass Stripe fees to the customer?
Charge (the amount you want + 30¢) ÷ (1 − 0.029). To receive $100, charge $103.30. Check local rules first: some places limit card surcharges.
Is ACH cheaper than cards on Stripe?
Usually. ACH Direct Debit costs 0.8% with a $5 maximum, so large invoices cost far less by ACH than by card.
Does Stripe refund fees on refunds?
No. When you refund a payment, Stripe keeps the original processing fee.
Sources
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