Stripe Fee Calculator

Transaction Amount:

Transaction Type:

If you accept online payments through Stripe, understanding how much Stripe charges in fees is essential for managing your business’s finances effectively. Stripe charges a percentage of the transaction plus a fixed fee for every payment processed. However, manually calculating these fees and your actual earnings can be confusing, especially when dealing with different transaction types like international payments or American Express cards.

To help merchants and business owners, we present the Stripe Fee Calculator — a simple and accurate online tool designed to calculate Stripe fees and show you the real amount you receive from your transactions. It also tells you how much you need to charge your customers if you want to cover Stripe's fees completely.

What is Stripe and How Does Its Fee Structure Work?

Stripe is one of the most popular payment processing platforms used worldwide. It provides a seamless way to accept credit card payments online with transparent fees. Typically, Stripe charges:

Standard transactions: 2.9% of the transaction amount + $0.30 fixed fee.
International transactions: 3.9% + $0.30 (higher due to extra processing costs).
American Express cards: 3.5% + $0.30 (Amex charges different fees).

These fees are deducted from each payment you receive, so knowing your exact net revenue requires calculating these fees accurately.

How to Use the Stripe Fee Calculator

The calculator is user-friendly and requires only a few inputs to get instant results:

Step 1: Enter Transaction Amount

Input the total amount of the transaction in dollars.
Example: $100.00

Step 2: Select Transaction Type

Choose one of the three transaction types:
- Standard: For domestic payments with most cards.
- International: For payments made from outside your country.
- American Express: For Amex card payments.

Step 3: Calculate

Click the Calculate button.
The calculator will display:
- Transaction Amount: Your input value.
- Stripe Fee: The fee Stripe deducts.
- You Receive: The net amount after fees.
- Amount to Charge: How much you need to charge so the net after fees matches your input amount.

Step 4: Reset (Optional)

Use the Reset button to clear all fields and start fresh.

Example Calculation

Let’s say you sell a product for $100 and want to know your net earnings and fees.

Enter 100 as the transaction amount.
Select Standard (2.9% + $0.30) as transaction type.
Click Calculate.

Results:

Stripe Fee: $3.20
(Calculated as 2.9% of $100 = $2.90 + $0.30 fixed fee)
You Receive: $96.80
($100 - $3.20)
Amount to Charge: $103.31
(If you want to cover fees exactly, you’d need to charge $103.31 so after fees you receive $100)

This helps you price your products or services accurately without losing money to fees.

Why Use the Stripe Fee Calculator?

Accurate Financial Planning: Know exactly how much Stripe charges per transaction.
Better Pricing Strategy: Determine how much to charge to maintain profits.
Easy International Fee Calculation: Automatically adjusts for different fees on international and Amex transactions.
Saves Time: No need for manual calculations or complex formulas.
User-Friendly Interface: Simple input and clear output with no technical knowledge required.

Detailed Explanation of Results

Stripe Fee

Stripe fees consist of a percentage fee based on the transaction amount plus a fixed fee per transaction. This calculator adds these components based on your selected transaction type.

Amount You Receive

This is the amount you actually get deposited after Stripe deducts its fees. Knowing this helps you understand your true revenue per transaction.

Amount to Charge to Cover Fees

If you want to set a price that covers Stripe’s fees exactly — so you receive the full desired amount — this figure tells you how much to charge your customers.

Tips for Using the Calculator

Use exact amounts: Always enter precise transaction amounts for accurate fee calculations.
Choose the right transaction type: Fees differ for domestic, international, and Amex transactions.
Consider fees in your pricing: Use the “Amount to Charge” value to avoid losing revenue to fees.
Reset as needed: Clear previous inputs quickly to calculate multiple fees.

Frequently Asked Questions (FAQs)

1. Can I use this calculator for all currencies?
This calculator uses USD by default but can be adapted for other currencies with similar fee structures.

2. Why are there different fee rates for transaction types?
Stripe charges higher fees for international and American Express transactions due to additional processing costs.

3. How does the fixed fee work?
Stripe charges a flat $0.30 per transaction in addition to the percentage fee.

4. What happens if I enter a zero or negative amount?
The calculator will prompt you to enter a valid positive transaction amount.

5. Can this calculator handle refunds or partial payments?
No, it only calculates fees for full transactions.

6. How often do Stripe fees change?
Stripe updates fees occasionally; always check Stripe’s official website for the latest rates.

7. Does this calculator include taxes or VAT?
No, it calculates only Stripe fees, excluding taxes.

8. Is the “Amount to Charge” always higher than the transaction amount?
Yes, because you need to charge more to cover Stripe’s fees fully.

9. Can I use this calculator for subscription payments?
Yes, as long as you know the transaction amount and type.

10. What if I want to calculate fees for multiple transactions?
Calculate fees individually for each transaction or integrate batch calculations with your accounting software.

11. Does this calculator include Stripe’s payout timing or limits?
No, it focuses solely on fee calculations.

12. Can I use this calculator on mobile devices?
Yes, the tool is responsive and works on all modern devices.

13. How accurate are the calculations?
The calculator uses Stripe’s published fee formulas and is accurate for typical use cases.

14. Can I customize the fee rates for my country?
Currently, this calculator uses standard US rates but can be updated for regional fee variations.

15. Why is it important to calculate the “Amount to Charge”?
To ensure you receive the intended net revenue without absorbing fees yourself.

Conclusion

Managing online payments effectively means understanding the fees involved. The Stripe Fee Calculator provides an easy, fast, and accurate way to calculate fees, net receipts, and the amount you need to charge to cover Stripe fees. Whether you’re a small business owner, freelancer, or e-commerce professional, this tool helps you price your products or services confidently and transparently.

Try our Stripe Fee Calculator now and take control of your payment processing costs with clarity and precision!