Stripe Calculator
Stripe Fee Calculator
Calculate Stripe processing fees, net payment amount, effective rate, or the amount to charge using editable U.S. card assumptions.
Estimated Stripe fees
$525.00
Net after fees
$14,475.00
Effective rate
3.50%
Annualized fees
$6,300.00
| Fee component | Assumption | Estimate |
|---|---|---|
| Percentage fee | 2.90% of $15,000.00 | $435.00 |
| Fixed payment fees | 300 payments x $0.30 | $90.00 |
| Total processing fee | Online domestic card | $525.00 |
Payments modeled
300
Combined percentage
2.90%
Fixed fee per payment
$0.30
Estimate boundary
This model covers successful card payment processing under the assumptions shown. It does not include Stripe Billing, Invoicing, Connect, disputes, refunds, Instant Payouts, hardware, taxes, custom pricing, or payment-method-specific charges.
Stripe Rates Used in This Calculator
These public U.S. standard rates were checked on August 30, 2026. They are editable in the calculator because Stripe may offer custom pricing and because card type, currency, product, and payment method can change the total charge.
| Payment condition | Public rate | How it applies |
|---|---|---|
| Online domestic card | 2.9% + $0.30 | Per successful transaction on standard U.S. pricing |
| Terminal domestic in-person card | 2.7% + $0.05 | Tap to Pay adds $0.10 per authorization |
| Manually entered domestic card | 3.4% + $0.30 | Standard online rate plus the listed 0.5% manual-entry addition |
| International card | +1.5% | Added to the applicable base card rate |
| Currency conversion | +1% | Added when currency conversion is required |
Stripe Fee Formula and Examples
Calculate the fee
Fee = gross amount x percentage rate + successful payments x fixed fee. For $15,000 across 300 online payments, the estimate is $435 + $90 = $525, or a 3.50% effective rate.
Calculate net proceeds
Net = gross amount - estimated Stripe fee. A $100 domestic online payment at 2.9% + $0.30 produces an estimated $96.80 net amount.
Reverse the fee
Gross charge = (target net + fixed fee) / (1 - percentage rate). To net $100 at 2.9% + $0.30, the estimated charge is $103.30.
FAQ
How much is the Stripe fee for a $100 online payment?
Using the standard U.S. domestic online rate of 2.9% + $0.30, the fee is $3.20 and the estimated net amount is $96.80. International cards, currency conversion, optional Stripe products, or custom pricing can change the result.
How much should I charge to receive $100 after Stripe fees?
At 2.9% + $0.30, divide $100.30 by 0.971. The result is about $103.30, with an estimated fee of about $3.30. Use the target-net mode above when the rate or payment type differs.
What is the Stripe fee formula?
For a standard fee estimate, multiply gross payment volume by the percentage rate and add the number of successful payments multiplied by the fixed fee. To reverse the fee, use (target net + fixed fee) divided by (1 - percentage rate).
Are Stripe fees the same for online and in-person payments?
No. Stripe currently lists 2.9% + $0.30 for standard domestic online cards and 2.7% + $0.05 for Terminal domestic in-person cards. Tap to Pay, manually entered cards, international cards, and currency conversion can add fees.
Does this calculator include Stripe Billing or Invoicing?
No. It models card processing only. Stripe Billing, Invoicing, Connect, disputes, refunds, Instant Payouts, hardware, taxes, and other optional products or payment methods should be calculated separately.
Verify and Compare Current Pricing
Verify Stripe's current pricing first, then compare other official public-rate pages if a different payment workflow may fit your business.
Stripe
Official provider link
- online payments
- SaaS
- developer-led businesses
Square
Partner status pending
- new businesses
- restaurants
- food trucks
Helcim
Partner status pending
- growing businesses
- in-person merchants
- lower-fee quotes
Provider links may be official links or affiliate links. Pricing can change; verify current rates, monthly fees, hardware costs, and contract terms before signing up.
Methodology and Sources
CardFeeCheck is independent and is not Stripe. This educational estimate is not a Stripe quote or financial recommendation. Rates, product fees, eligibility, card conditions, and contract terms can change.
Official Stripe pricing pages last checked: 2026-08-30. Confirm current U.S. pricing and your account terms before using an estimate in a business decision.
Continue the Cost Review
Compare Stripe with accounting-led payment workflows in the Stripe vs QuickBooks comparison, model another processor in the general credit card fee calculator, or calculate the statement-level effective processing rate.