Stripe Fee Calculator
If you run an online business or accept payments through Stripe, knowing how much Stripe charges per transaction is crucial. Stripe applies a fixed percentage fee plus a small flat fee to each payment processed. These fees can vary based on the transaction type, such as domestic payments, international payments, or American Express cards.
Manually calculating these fees can be time-consuming and error-prone, especially if you want to price your products or services to cover the fees and maintain your profits. This is where our Stripe Fee Calculator comes in — an easy-to-use, accurate tool designed to help you quickly calculate Stripe fees and understand exactly how much money you will receive from each transaction.
Whether you are a small business owner, freelancer, or e-commerce merchant, this tool will simplify your fee calculations and improve your pricing strategy.
How to Use the Stripe Fee Calculator
Step 1: Enter the Transaction Amount
- Input the total payment amount you expect to receive from your customer.
- This should be a positive number representing dollars and cents (e.g., 100.00).
Step 2: Select Transaction Type
- Choose the type of transaction from the dropdown:
- Standard: For most domestic card payments (2.9% + $0.30).
- International: For payments made with foreign cards (3.9% + $0.30).
- American Express: For Amex cards which have different fees (3.5% + $0.30).
Step 3: Calculate Fees
- Click the Calculate button.
- The calculator will instantly display:
- Transaction Amount: The original amount you entered.
- Stripe Fee: The fee deducted by Stripe.
- You Receive: The net amount you get after fees.
- Amount to Charge: How much you should charge to cover Stripe fees completely if you want the net amount to equal your entered transaction amount.
Step 4: Reset Inputs (Optional)
- Click the Reset button to clear all fields and results and start over with a new calculation.
Example Calculation
Let’s say you want to receive $100 from a customer paying with a standard card.
- Enter 100 in the transaction amount.
- Select Standard (2.9% + $0.30) as transaction type.
- Click Calculate.
Output:
- Stripe Fee: $3.20
(Calculated as 2.9% of $100 = $2.90 plus $0.30 fixed fee) - You Receive: $96.80
($100 - $3.20) - Amount to Charge: $103.31
(Charge this amount to receive exactly $100 after fees)
This example shows how to price your product or service correctly to avoid losing money on fees.
Why Is This Calculator Useful?
- Saves Time: Quickly calculates fees without manual math.
- Avoids Mistakes: Automatically uses Stripe’s current fee formulas.
- Pricing Clarity: Helps you price your products or services to maintain profitability.
- Flexible: Supports domestic, international, and American Express fee structures.
- Transparent: Clearly shows fees and net amount for better financial planning.
Understanding Stripe Fees and the Calculator’s Logic
Stripe charges a percentage fee plus a fixed fee per transaction. The percentage varies depending on the card type or geographic origin of the transaction:
- Standard Domestic Cards: 2.9% + $0.30
- International Cards: 3.9% + $0.30
- American Express Cards: 3.5% + $0.30
When calculating the fee for a transaction amount:Stripe Fee=(Transaction Amount×Percentage Fee)+Fixed Fee
The amount you receive after fees is:Amount Received=Transaction Amount−Stripe Fee
If you want to find out how much to charge a customer so that after fees you receive your desired amount:Amount to Charge=1−Percentage FeeDesired Amount+Fixed Fee
Our calculator implements these formulas automatically for you.
Tips for Using the Stripe Fee Calculator
- Always enter a positive transaction amount for accurate results.
- Select the correct transaction type to reflect your payment processing.
- Use the “Amount to Charge” figure to set prices that cover fees fully.
- Reset the calculator between different calculations to avoid confusion.
- Check Stripe’s official fee schedule periodically as rates may change.
Frequently Asked Questions (FAQs)
1. Can I use this calculator for transactions in other currencies?
The calculator is based on USD fees but can be adapted for other currencies with similar fee structures.
2. Why do fees differ for international and Amex transactions?
International payments and Amex cards usually incur higher processing costs, reflected in higher fees.
3. Does this calculator include taxes or VAT?
No, it only calculates Stripe’s processing fees, not any taxes or VAT.
4. What is the fixed fee in Stripe’s charges?
Stripe charges a flat $0.30 per transaction on top of the percentage fee.
5. What if I want to calculate fees for multiple transactions?
Calculate each transaction individually or use spreadsheet formulas based on these fee structures.
6. Can I use this tool for subscription payments?
Yes, as long as you know the transaction amount and card type.
7. How often do Stripe’s fees change?
Stripe occasionally updates fees; always verify current fees on Stripe’s official website.
8. What happens if I enter zero or a negative amount?
The calculator will alert you to enter a valid positive amount.
9. Is this calculator mobile-friendly?
Yes, it works well on all modern devices including smartphones and tablets.
10. How accurate is this calculator?
It uses Stripe’s official fee formulas and is accurate for typical transactions.
11. Can I use the “Amount to Charge” value to pass fees onto customers?
Yes, it shows exactly how much to charge to cover Stripe fees.
12. Why does the “Amount to Charge” sometimes seem much higher?
Because Stripe fees are percentage-based, increasing the charge increases fees; the formula accounts for this recursively.
13. Can I customize fee rates for my country?
Currently, it uses standard US rates but can be modified if needed.
14. Can I calculate fees for refunds?
No, this calculator only handles payment fees.
15. Does the calculator consider Stripe’s payout schedules?
No, it only calculates fees and net amounts, not payout timing.
Conclusion
Managing payment processing fees is key to maintaining your business profitability. Our Stripe Fee Calculator gives you a quick, reliable way to calculate fees and net earnings from Stripe transactions. It supports different transaction types and clearly shows how much to charge your customers to cover fees. Use this tool to make smarter pricing decisions and keep your financials transparent.
Try the Stripe Fee Calculator today and simplify your payment fee calculations instantly!