Stripe Processing Fee Calculator
Stripe is one of the most popular online payment processors used by businesses worldwide. However, understanding how much you pay in processing fees and how much you actually receive can be confusing. Stripe charges a combination of a percentage fee plus a fixed amount for every transaction, which varies depending on the transaction type.
Our Stripe Processing Fee Calculator simplifies this by letting you input your transaction amount and type, instantly showing your Stripe fees, net amount received, and the amount you should charge to cover fees. This ensures you never get surprised by fees eating into your profits.
How to Use the Stripe Processing Fee Calculator
- Enter Transaction Amount
Input the total amount you expect to receive from a customer. - Select Transaction Type
Choose the type of transaction:- Standard (2.9% + $0.30)
- International Card (3.9% + $0.30)
- American Express (3.4% + $0.30)
- Custom Rate (enter your own percentage and fixed fee)
- Enter Custom Rates (Optional)
If you select "Custom Rate," input your own percentage and fixed fee values. - Click "Calculate"
The calculator will display:- Stripe Fee
- Net Amount (what you receive after fees)
- Amount to Charge (how much to charge to cover fees fully)
- Reset
Use the reset button to clear the form and start over.
Example Calculation
Let’s say you want to process a $100 payment through a standard Stripe account:
- Fee = (2.9% of $100) + $0.30 = $2.90 + $0.30 = $3.20
- Net Amount = $100 - $3.20 = $96.80
- To receive $100 net, charge = 1−0.029100+0.30=0.971100.30≈103.30
So, to cover fees and receive $100, you need to charge about $103.30.
Benefits of Using This Calculator
- Clear Fee Breakdown: Understand exactly what Stripe deducts from your transactions.
- Net Income Visibility: See how much you’ll receive after fees.
- Charge Calculation: Know how much to charge your customers to cover fees fully.
- Support for Different Rates: Includes international cards, Amex, and custom rates.
- Easy to Use: Simple input and instant results, perfect for businesses of all sizes.
15 Frequently Asked Questions (FAQs)
1. What fees does Stripe charge?
Stripe charges a percentage of the transaction plus a fixed fee per transaction, which varies by country and card type.
2. Why does the fee include a fixed amount?
The fixed fee covers Stripe’s processing costs per transaction, regardless of amount.
3. What is considered an international card?
Cards issued outside the country of your Stripe account are considered international and incur higher fees.
4. Can I customize the fee rates?
Yes, the calculator supports custom percentage and fixed fees for different pricing agreements.
5. Does this calculator include taxes?
No, it calculates only Stripe fees excluding taxes or other charges.
6. How is the "Amount to Charge" calculated?
It calculates the gross amount you must charge to ensure your net amount after fees matches your target.
7. Can I use this for subscription payments?
Yes, the fee structure is the same for one-time and subscription charges.
8. What if my Stripe fees change?
You can update the custom fee section to reflect your new rates.
9. Does Stripe charge additional fees for refunds?
Stripe refunds the fee except the fixed charge in most cases; this calculator does not account for refunds.
10. Is this calculator accurate for all countries?
It uses common US rates; for other countries, use the custom rate option to input your specific fees.
11. Can I use this for other payment processors?
You can use it if the fee structure is similar, but it’s optimized for Stripe.
12. How often should I check fees?
Fees can change; review your Stripe dashboard or agreement regularly and update the calculator as needed.
13. What if my transaction amount is very small?
The fixed fee has more impact on small transactions, so this tool helps visualize that effect.
14. Can I use this calculator on mobile?
Yes, the calculator is fully responsive and mobile-friendly.
15. How do I handle chargebacks and disputes?
Chargebacks have separate fees; this calculator does not cover those charges.
Conclusion
Understanding your Stripe fees is essential for running a profitable business. Our Stripe Processing Fee Calculator takes the guesswork out of fee calculations, helping you know exactly how much you pay and how much you receive after fees. It also helps you determine the right amount to charge your customers if you want to cover fees entirely.
Use this calculator to manage your Stripe payments better and optimize your pricing strategy today!