Stripe fee calculator.

Calculate exact Stripe fees per transaction, reverse-calculate what to charge to receive a specific amount, or estimate monthly processing costs. Three modes, multi-region rates, live updates.

How Stripe fees actually work.

The headline rate (2.9% + $0.30 US) is only half the story. The fixed fee changes the effective rate dramatically by transaction size, and international cards trigger entirely different math.

  1. 01
    Percentage + fixed.Every transaction = (amount × rate) + fixed fee. The fixed fee disproportionately hurts small transactions.
  2. 02
    International cards cost more.Cards issued in another country trigger international rates plus currency conversion. Always model both.
  3. 03
    Effective rate isn't the headline rate.A $5 transaction at 2.9% + $0.30 = 8.9% effective rate. Small AOV means much higher effective fees.
  4. 04
    Volume discounts exist.At enterprise volumes Stripe will negotiate. Most merchants under $1M/yr don't qualify.

Stripe rates by region.

US Domestic Cards2.9% + $0.30
International Cards3.9% + $0.30
International + Currency Conversion4.9% + $0.30
UK/EU Cards1.4% + £0.20
Non-EU Cards (UK)2.5% + £0.20

Calculate.

Updates live as you type. Choose your region first.

Standard rate for US-issued cards

The amount you're charging the customer.

Why effective rate varies by transaction size.

The fixed fee bites small amounts.

A $0.30 fixed fee is 6% of a $5 charge and 0.06% of a $500 charge. High-volume, low-value businesses pay much higher effective rates than the headline 2.9%.

$5.00 transaction8.90% — $0.45 fee
$10.00 transaction5.90% — $0.59 fee
$25.00 transaction4.10% — $1.03 fee
$50.00 transaction3.50% — $1.75 fee
$100.00 transaction3.20% — $3.20 fee
$250.00 transaction3.02% — $7.55 fee
$500.00 transaction2.96% — $14.80 fee
$1000.00 transaction2.93% — $29.30 fee

Passing Stripe fees to customers.

The math isn't intuitive.

To pass Stripe fees to your customer, use this formula:

FormulaCharge Amount = (Desired Amount + Fixed Fee) ÷ (1 - Percentage Fee)
ExampleExample: To receive $100 with US domestic rates: ($100 + $0.30) ÷ (1 - 0.029) = $103.30

Simply adding 2.9% to your price doesn't cover the fees — the percentage is calculated on the higher amount. Use the reverse calculator above.

Additional Stripe fees to know about.

Stripe Radar (fraud protection) — per screened transaction$0.05
Instant Payouts — % of payout amount (min $0.50)1%
Dispute / Chargeback — per dispute$15.00
Stripe Tax — per transaction where tax is calculated$0.50
Stripe Invoicing — % of invoice amount (paid invoices only)$0.40

Frequently asked questions.

How much does Stripe charge per transaction?+

Stripe charges 2.9% + $0.30 per transaction for US domestic cards. International cards add 1%, and currency conversion adds another 1%. In the UK, rates start at 1.4% + 20p for domestic/EU cards.

How do I calculate Stripe fees on a $100 transaction?+

For a $100 US domestic transaction: ($100 × 2.9%) + $0.30 = $2.90 + $0.30 = $3.20 in fees. You would receive $96.80.

What should I charge to receive exactly $100 after Stripe fees?+

To receive $100 after US domestic fees, charge $103.30. The formula is: Amount ÷ (1 - percentage fee) + fixed fee adjustment. Our reverse calculator does this automatically.

Does Stripe charge monthly fees?+

No. Stripe has no monthly fees, setup fees, or cancellation fees. You only pay per-transaction fees. Optional add-ons like Stripe Radar ($0.05/transaction) and Stripe Tax ($0.50/calculation) have separate pricing.

Are Stripe fees tax deductible?+

Yes. Stripe processing fees are a business expense and are generally tax-deductible. Consult your accountant for specifics to your situation.

How do Stripe fees compare to PayPal?+

Stripe and PayPal both charge 2.9% + $0.30 for standard US transactions. PayPal charges 3.49% + $0.49 for PayPal-funded transactions. Stripe is generally cheaper for card-present and international transactions.

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Custom checkout that converts.

Processing serious volume? I build custom Stripe checkout flows and payment integrations in Next.js — designed for conversion, with proper handling of failed payments, retries, and subscription state.

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Built by Taro Schenker — full-stack developer who works with startups and local businesses.