Stripe Fee Calculator
See what Stripe keeps on each card payment before you reconcile your books.
Introduction
Stripe powers checkout flows for SaaS companies, marketplaces, and online stores worldwide. Every successful card charge incurs a processing fee — usually a blend of percentage and per-transaction cost that depends on your country and card type.
Developers and finance teams often estimate revenue using round numbers like "3%" when the actual cost on a $47 subscription might differ once the $0.30 fixed fee is applied.
Use this Stripe fee calculator to model real transaction costs. Enter your sale amount, confirm the rate fields match your Stripe pricing, and review net proceeds immediately.
How it works
- 1
Type the charge amount — the total your customer pays through Stripe Checkout or Payment Intents.
- 2
Confirm the percentage and fixed fee. US accounts typically start at 2.9% + $0.30 per successful card charge.
- 3
Pick your settlement currency and region for sensible defaults.
- 4
The tool returns total fees, your net deposit, and the gross charge needed to hit a target payout.
Formula
Stripe's standard online pricing in most markets follows the same structure as other card processors.
Forward calculation
Processing Fee = (Amount × Rate) + Fixed FeeReverse calculation
Gross Charge = (Target Net + Fixed Fee) ÷ (1 − Rate ÷ 100)Worked examples
$49 SaaS subscription
A software startup charges $49/month via Stripe Billing in the US.
- Amount: $49.00
- Rate: 2.9% + $0.30
- Percentage: $1.42
- Total fee: $1.72
Net deposit: $47.28 per subscriber before refunds or disputes.
€120 EU card payment
A European merchant accepts a €120 payment from an EEA-issued card.
- Amount: €120.00
- Rate: 1.5% + €0.25
- Total fee: €2.05
Net received: €117.95.
Benefits of using this Stripe fee tool
- Forecast net revenue per plan tier during pricing discussions.
- Model how fixed fees affect low-ticket impulse purchases.
- Prepare payout expectations before Stripe settlement arrives.
- Benchmark Stripe costs against PayPal or Adyen on identical sale amounts.
Common mistakes
Applying US rates to European cards
Stripe's EEA pricing differs from US domestic rates. International and currency-converted charges add further cost layers.
Excluding Billing or Connect fees
Stripe Billing, Radar, and Connect platform fees sit on top of base processing. Add those separately for a full picture.
Not accounting for failed payment retries
Each successful retry is a new charge with its own fee. Model subscription revenue using successful charge amounts only.
Frequently asked questions
What is Stripe's standard online processing rate?
In the US, most businesses pay 2.9% + $0.30 per successful card transaction. European Economic Area cards often qualify for lower domestic rates.
Does Stripe charge for refunds?
Stripe returns the processing fee on refunded transactions in some regions, but policies vary. The original processing fee may still affect your net until the refund settles.
How do Stripe fees compare to PayPal?
Headline rates are similar, but fixed fees, international cards, and currency conversion differ. Run both calculators with your typical order value for a fair comparison.
Related calculators
Conclusion
Stripe fees are predictable once you know your rate card, but the fixed per-charge component matters on small tickets. Keep this calculator bookmarked when adjusting prices or evaluating annual plan discounts.
