Stripe Fee Calculator

Estimate Stripe processing fees, net payout, and gross charge needed from transaction amount, rate, and fixed fee.

Last reviewed May 27, 2026 by CalcMastery Editorial Team; Reviewed by CalcMastery Finance Review Team

Stripe Fee Calculator

Estimate Stripe fees by country, currency, and method. See the fee, net, and gross-up amount to receive a target net.

Charge → NetGross-up (Target Net)

Amount you plan to charge. For gross-up, use Desired Net instead.

Enter the amount you want to receive after fees (gross-up).

Stripe fees vary by country and currency.

International card payments typically incur higher fees.

ACH is US-only: 0.8% capped at $5. For non-US, choose Card.

Auto-detected from country; adjust if your settlement currency differs.

Results

  • Percent fee— %
  • Fixed fee—
  • Percentage component—
  • Fixed component—
  • Stripe fee—
  • Net received—
  • Amount to charge—
  • Currency—

Enter your inputs above to calculate the results.

Use this Stripe fee calculator to estimate payment processing costs and net payout for a transaction. Enter the payment amount, percentage fee, fixed fee, and any additional cross-border or currency conversion assumptions. The calculator returns total fees, net amount received, and gross charge needed to receive a target net amount.

Formula

For the standard U.S. domestic card fee (2.9% + $0.30 per transaction):

Net Received (Charge → Net)

Net = Amount − (Amount × 0.029) − 0.30

Gross-up (Target Net → Charge)

Amount to Charge = (Target Net + 0.30) / (1 − 0.029)

Example

Example 1 – Charge → Net

If you charge $100, Stripe deducts 2.9% + $0.30:

Fee = (100 × 0.029) + 0.30 = 2.90 + 0.30 = 3.20
Net Received = 100 − 3.20 = 96.80

Result:

You’ll receive $96.80 after Stripe fees.

Example 2 – Gross-up (Target Net → Charge)

If you want to receive $100 after fees:

Charge = (100 + 0.30) / (1 − 0.029) = 100.30 / 0.971 = 103.29

Result:

You must charge $103.29 so that after Stripe’s 2.9% + $0.30 fee, you keep $100 net.

Stripe Standard Online Card Fees — last checked Oct 31, 2025. Rates can vary by product and custom pricing.
Region Domestic online cards International cards (add-on) Currency conversion (add-on) Quick notes
United States 2.9% + $0.30 +1.5% (typical) +1% (US accounts) Manual keyed cards often +0.5%.
Canada 2.9% + C$0.30 +1.5% (typical) +2% (non-US accounts) Eligible small merchants may have reduced network fees per Canada regs.
United Kingdom 1.5% + £0.20 (standard UK cards) EEA: 2.5% + £0.20; Intl: 3.25% + £0.20 +2% if conversion required Premium UK cards: 1.9% + £0.20.
Europe (EEA, EUR) 1.5% + €0.25 (standard EEA cards) UK: 2.5% + €0.25; Intl: 3.25% + €0.25 +2% if conversion required Premium EEA cards: 1.9% + €0.25.
Extras US UK EEA CA
In-person (Terminal) ~2.7% + $0.05 (typical) Varies by product 1.4% + €0.10 (EEA cards) Varies by product
Bank debits (ACH/SEPA) ACH ~0.8% (max $5) Bacs ~1% (min £0.20) SEPA DD ~€0.35–€0.60 (varies) EFT varies
Dispute fee (chargeback) ~$15 £20 €20 (common) ~C$15 (varies)

Notes: “International cards” = cards issued outside your business’s country. “Currency conversion” applies when presentment currency ≠ settlement currency. For high volume, Stripe may offer custom pricing; local payment methods (e.g., iDEAL, Bancontact) have separate price tables.

Related calculators and references

How to Use the Stripe Fee Calculator

Enter the transaction amount you plan to charge or want to receive.

Select your country/region and whether the payment is domestic or international

Choose the payment method (Card or ACH) and mode (Charge → Net or Gross-up).

Instantly see the Stripe fee, amount to charge, and net received.

Frequently Asked Questions

These FAQs explain percentage fees, fixed fees, gross-up math, refunds, and why live processor pricing should be checked.

How does the Stripe fee calculator work?

The calculator estimates the amount Stripe deducts from each transaction based on the standard rate (2.9% + $0.30 for U.S. card payments). Enter the charge amount to see how much you’ll actually receive (“Net”) or how much you need to charge to receive a target amount (“Gross-up”).

Are Stripe fees the same for international payments?

No. International transactions typically include an additional 1% fee, and if currency conversion is needed, another 1% may apply. Always check Stripe’s local pricing page for your country before relying on the estimate.

Does the fee change depending on the payment method?

Yes. Card transactions use the standard 2.9% + $0.30 rate in the U.S., while ACH transfers, digital wallets, or local payment methods may have lower or different fee structures. The calculator assumes card payments unless specified otherwise.

What is the difference between “Charge → Net” and “Gross-up” modes?

“Charge → Net” shows how much you’ll receive after Stripe’s fee from a given transaction amount. “Gross-up” (Target Net) calculates how much you should charge your customer to receive a specific net amount after fees are deducted.

Does the calculator include refunds or disputes?

No. The calculator estimates standard transaction fees only. Refunds, chargebacks, disputes, and additional Stripe services (like payouts or currency conversion) are not included in the calculation.

Sources & Methodology