Calculate Stripe processing fees accurately. Find out what to charge to receive exact amounts. Free business tool. This tool runs entirely in your browser — no data is sent to any server. It's fast, free, and works on any device.
Stripe's standard pricing is 2.9% + 30¢ per successful card payment in the US (rates vary by country and payment method). Understanding these fees is crucial for pricing your products correctly. On a $10 sale, you pay $0.59 in fees (5.9% effective rate). On a $100 sale, it's $3.20 (3.2%). On $1,000, it's $29.30 (2.93%). The fixed 30¢ component means small transactions have disproportionately high effective rates. This calculator shows exact fees, net amounts, and can reverse-calculate: if you need to receive exactly $100, you should charge $103.30. Essential for SaaS businesses, e-commerce stores, and anyone processing payments through Stripe.
In the US: 2.9% + $0.30 per successful charge. International cards add +1.5%. Currency conversion adds +1%. European rates start at 1.4% + €0.25 for EU cards. Rates vary by country and volume — check Stripe's pricing page for your region.
Formula: Charge = (Desired Net + 0.30) / (1 - 0.029). To receive $100: ($100 + $0.30) / 0.971 = $103.30. This calculator handles this reverse calculation automatically.
Stripe does not refund the original processing fee on refunds (changed in 2023). If you refund a $100 charge, you lose the $3.20 fee. This makes refund-heavy businesses especially sensitive to processing costs.
Both charge similar rates for standard transactions (~2.9% + $0.30). PayPal's rates vary more by transaction type and volume. Stripe generally offers better developer tools, while PayPal has broader consumer recognition and buyer protection.
In many jurisdictions, yes — this is called 'surcharging.' However, some regions (EU, Australia) restrict or ban surcharging. Visa and Mastercard have specific rules about surcharge disclosure. Check local regulations before implementing.