Business

Stripe Fee Calculator

Calculate Stripe processing fees and net payout per transaction. Standard US rate: 2.9% + $0.30.

Quick Answer

Stripe US fee = 2.9% + $0.30 per successful charge. Net = Gross × 0.971 - $0.30. Effective rate higher on small transactions due to flat fee.

$
%
$
Gross / Charge
$100.00
Stripe Fee
$3.20
Net Payout
$96.80

Monthly gross volume: $10,000.00

Monthly Stripe fees: $320.00

Monthly net payout: $9,680.00

Effective fee rate: 3.20%

About This Tool

The Stripe Fee Calculator handles the two most common payment processing math problems: calculating net payout from a gross charge, and calculating the gross amount needed to receive a target net. Stripe's standard US rate of 2.9% + $0.30 per transaction is the most common payment processing fee in ecommerce, and understanding how it scales with ticket size matters for pricing and margin planning.

The Flat Fee Problem on Small Transactions

Stripe's $0.30 flat fee is the dominant cost on small transactions. A $5 charge nets $4.55 (9.0% effective fee). A $50 charge nets $48.25 (3.5%). A $500 charge nets $485.20 (3.0%). The effective rate asymptotically approaches 2.9% but only at large ticket sizes. This is why digital tip jars, micropayment platforms, and small-value subscriptions struggle with payment processing — flat fees crush them.

Grossing Up: When You Need a Target Net

If you have a fixed payout obligation (event ticket payout, fundraiser pass-through, marketplace seller payment), you need to charge enough to cover fees and still net the target. The gross-up formula: Charge = (Target Net + Flat Fee) ÷ (1 - Fee%). To net $100 exactly, charge $103.30 ($100.30 / 0.971). Build this into your checkout math whenever you have downstream payout obligations.

International Card Surcharges

Stripe charges an additional 1.5% for international cards in the US, plus 1% for currency conversion if applicable. A $100 charge on an international card with conversion costs roughly 5.4% in fees ($94.60 net) instead of 3.2% ($96.80 net). Cross-border ecommerce should price this in or use Stripe's automatic currency conversion to charge in the buyer's local currency, which moves conversion cost to the buyer.

Volume Discounts and Negotiation

Stripe offers custom pricing above $1M-$2M monthly volume. Discounts of 0.2-0.5% on the percentage rate are typical. The flat $0.30 portion is rarely negotiable. Brands processing $5M+/year should always ask. Competitors like Adyen, Braintree, and direct interchange-plus processors often beat Stripe rates at scale but require more integration work.

Related Tools

See also our POD profit calculator, dropshipping margin calculator, AOV calculator, SaaS MRR calculator, and CAC calculator.

Frequently Asked Questions

What are Stripe's standard fees?
Stripe US standard rate is 2.9% + $0.30 per successful card charge. International cards add 1.5% surcharge. Currency conversion adds 1%. ACH payments are 0.8% capped at $5. The 2.9% + 30¢ rate is the headline fee most ecommerce stores pay. Volume discounts kick in around $1M+/mo processing.
How do I calculate net Stripe payout?
Net = Gross Amount × (1 - 0.029) - $0.30. For a $100 charge: $100 × 0.971 - $0.30 = $96.80. Stripe fees scale with order value plus the flat $0.30 hits hard on small transactions. A $5 transaction nets only $4.55 (9% effective fee). A $500 transaction nets $485.20 (2.96% effective fee). This is why most marketplaces enforce a minimum order amount.
How do I gross up a Stripe charge to receive a target net?
If you need to net $X after fees, charge: ($X + $0.30) ÷ (1 - 0.029). For example, to receive exactly $50 net, charge $51.79. This matters for ticket sales, fundraising, and any context where you have a fixed payout obligation. Some businesses pass fees to customers via a surcharge — legally allowed in most US states but often poor for conversion.
Are Stripe fees the same internationally?
No — fees vary by country. UK: 1.5% + 20p for European cards. EU: 1.5% + €0.25. Australia: 1.7% + 30¢. International cards typically add 1-2% on top of the local rate. Currency conversion adds 1-2% more. For cross-border ecommerce, run separate fee calculations per region — fee leakage on international orders can erase margin entirely if not priced in.
Can I negotiate lower Stripe rates?
Stripe offers custom pricing above $1M-$2M monthly processing volume. Reductions of 0.2-0.5% on the percentage portion are common. The flat $0.30 component is harder to negotiate. Ecommerce brands at $5M+ revenue should always ask. Below $1M monthly, you are stuck with standard rates unless you switch to a competitor (Adyen, Braintree, or direct Visa/MC processors) at higher integration cost.

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