💳Stripe Fee Calculator
Calculate Stripe processing fees and net amount for online payments
Last updated: January 9, 2025
Our Stripe fees calculator is the perfect tool to calculate Stripe fees easily and understand exactly how much does Stripe charge in fees. Whether you're processing payments in the United States, Europe, or internationally, this Stripe Fees Calculator helps you determine your exact processing costs and net revenue.
Understanding Stripe fees USA and Stripe fees United States is crucial for any online business. The Stripe fee calculator USA shows that standard online payments cost 2.9% plus $0.30 per transaction. For businesses accepting Stripe fees calculator Euro payments or international cards, fees increase to 3.9% plus $0.30. Our Stripe fee calculator international feature helps you calculate fees for cross-border transactions.
This comprehensive tool also covers Stripe Express fees, making it easy to understand all payment processing costs. Use our calculator to plan pricing, forecast revenue, and make informed decisions about payment methods.
Stripe Fees by Payment Type
How much does Stripe charge in fees depends on your payment method. Here's a complete breakdown of Stripe fees for different transaction types:
| Payment Type | Fee Structure | Example ($100) | Net Amount |
|---|---|---|---|
| Standard Card (USA) | 2.9% + $0.30 | $3.20 | $96.80 |
| International Card | 3.9% + $0.30 | $4.20 | $95.80 |
| ACH Direct Debit | 0.8% (max $5.00) | $0.80 | $99.20 |
Stripe Fees Calculator USA: Regional Fee Comparison
While Stripe fees USA are consistent across the United States, understanding regional variations helps when processing international payments. Our Stripe fees calculator United States shows standard rates, but international cards incur higher fees.
| Transaction Amount | Stripe Fee (USA) | Net Amount | Effective Fee % |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.90% |
| $50.00 | $1.75 | $48.25 | 3.50% |
| $100.00 | $3.20 | $96.80 | 3.20% |
| $500.00 | $14.80 | $485.20 | 2.96% |
| $1,000.00 | $29.30 | $970.70 | 2.93% |
Stripe Fee Calculator Euro: European Payment Processing
For businesses operating in Europe, the Stripe fee calculator Euro shows similar fee structures. European businesses using Stripe typically pay 1.4% + €0.25 for European cards and 2.9% + €0.25 for international cards. However, our calculator uses USD rates as the standard, which helps calculate Stripe fees easily for global businesses.
| Payment Method | European Cards | International Cards | Notes |
|---|---|---|---|
| Standard Online | 1.4% + €0.25 | 2.9% + €0.25 | Most common method |
| In-Person (Terminal) | 1.4% + €0.25 | 2.9% + €0.25 | Same as online |
| ACH/SEPA Direct Debit | 0.8% (max €5) | N/A | Bank transfers only |
Stripe Fee Calculator International: Cross-Border Transactions
The Stripe fee calculator international feature is essential for businesses processing payments from customers worldwide. International transactions typically incur higher fees due to currency conversion and cross-border processing costs.
| Card Origin | Fee Rate | Fixed Fee | $100 Transaction |
|---|---|---|---|
| Domestic (Same Country) | 2.9% | $0.30 | $3.20 |
| International Card | 3.9% | $0.30 | $4.20 |
| Currency Conversion | +1% | N/A | Additional fee |
Understanding Stripe Express Fees
Stripe Express fees refer to the fee structure for Stripe Express accounts, which are designed for marketplaces and platforms. These accounts allow you to onboard sub-merchants and split payments. Stripe Express fees typically follow the same structure as standard Stripe accounts, but with additional considerations for marketplace operations.
When using Stripe Express, you'll pay standard processing fees (2.9% + $0.30 for domestic cards, 3.9% + $0.30 for international) plus any additional platform fees you choose to charge your sub-merchants. Our Stripe Fees Calculator helps you understand the base processing costs before adding your platform markup.
Key Points About Stripe Express:
- Same base processing fees as standard Stripe accounts
- Additional platform fees can be added on top
- Simplified onboarding for sub-merchants
- Automatic payment splitting capabilities
- Compliance and tax handling included
How to Calculate Stripe Fees Easily
Our Stripe Fees Calculator makes it simple to calculate Stripe fees easily. Here's how to use it effectively:
- Enter Transaction Amount: Input the total amount your customer will pay (before fees)
- Select Payment Type: Choose between standard card, international card, or ACH payment
- View Results: Instantly see your Stripe fee, net amount, and effective fee percentage
The calculator automatically applies the correct fee structure based on your selection. For Stripe fees USA transactions, it uses the standard 2.9% + $0.30 rate. For international cards, it applies the 3.9% + $0.30 rate. ACH payments use the 0.8% rate with a $5 maximum cap.
Pro Tips:
- Use the calculator to determine pricing that ensures you receive your desired net amount
- Compare different payment methods to find the most cost-effective option
- Factor in fees when setting product prices to maintain profit margins
- Consider ACH for large transactions to save on processing fees
Frequently Asked Questions
Stripe charges 2.9% + $0.30 per transaction for standard online card payments. For international cards, the fee is 3.9% + $0.30. ACH direct debit payments are charged at 0.8% with a maximum fee of $5.00 per transaction.
To receive a specific net amount after Stripe fees, you need to charge more. For standard payments, divide your desired net amount by 0.971, then add $0.30. For example, to receive $100, charge approximately $103.30. Use this calculator in reverse: try different transaction amounts until you reach your desired net amount.
No, Stripe fees vary by country and payment method. International cards (cards issued outside your country) typically have higher fees (3.9% + $0.30). Some countries may also have additional fees or different rate structures. Always check Stripe's current pricing for your specific country.
Standard card fees apply to cards issued in the same country as your Stripe account (2.9% + $0.30). International card fees apply to cards issued in other countries (3.9% + $0.30). The higher fee for international cards covers additional processing costs and currency conversion.
ACH payments are more cost-effective for larger transactions due to the 0.8% fee with a $5 cap. For transactions over $625, ACH fees will be lower than standard card fees. However, ACH payments take longer to process (typically 3-5 business days) compared to instant card payments.
Stripe offers custom pricing for businesses with high transaction volumes. If you process more than $1 million per year, you may be eligible for volume discounts. Contact Stripe sales to negotiate custom rates based on your transaction volume and business needs.
Yes, Stripe may charge additional fees for certain services: chargeback fees ($15 per chargeback), refund fees (the original processing fee is not refunded), and fees for certain payment methods or currencies. This calculator only shows the standard processing fees.