Stripe Processing Fees Calculator
Note: Stripe fees vary by card type and location. These calculations are estimates. Check Stripe's official pricing for exact rates.
When accepting payments online, understanding payment processor fees is crucial for maintaining profitability. Stripe is one of the most popular payment gateways worldwide, known for its flexible pricing and ease of use. However, Stripe charges different fees depending on the transaction type — such as domestic cards, international cards, American Express, ACH direct debit, or even custom fee rates.
To help businesses and freelancers easily estimate how much Stripe will charge per transaction and how much they will actually receive, our Stripe Processing Fees Calculator simplifies these calculations. Whether you want to know how much to charge customers to receive a specific net amount or calculate the fees deducted from a charged amount, this tool covers it all.
How to Use the Stripe Processing Fees Calculator
Using the Stripe Processing Fees Calculator is straightforward and takes just a few steps:
- Enter Transaction Amount: Input the total amount of the transaction in dollars.
- Select Transaction Type: Choose the type of card or payment method involved:
- Domestic Card (2.9% + $0.30 fee)
- International Card (3.9% + $0.30 fee)
- American Express (3.5% + $0.30 fee)
- ACH Direct Debit (0.8%, capped at $5)
- Custom Rate (allows you to enter your own percentage and fixed fees)
- Specify Number of Transactions: Enter how many transactions you want to calculate fees for, useful for batch estimations.
- Choose Calculation Mode:
- “I want to receive this amount” — calculates the amount you need to charge to get the exact net amount after fees.
- “I want to charge this amount” — calculates the fees and net you will receive after fees on the given charge amount.
- Click Calculate: View detailed fee breakdowns, total fees, net received, and the amount to charge (if applicable).
This calculator provides a clear fee breakdown for each transaction type and helps businesses plan pricing and cash flow effectively.
Example Scenario
Imagine you run an online store and want to receive exactly $100 after Stripe deducts its fees for a domestic card payment. Using the calculator:
- Enter 100 as the transaction amount.
- Select Domestic Card (2.9% + $0.30).
- Keep the number of transactions as 1.
- Choose “I want to receive this amount” mode.
The calculator will show you the exact amount you must charge your customer (which will be slightly higher than $100) to cover Stripe fees, along with the fee amount deducted per transaction. This ensures you receive your target net amount without surprises.
Why This Calculator Is Important
- Avoid Undercharging: By knowing the exact amount to charge including fees, you prevent losing money on every transaction.
- Simplify Financial Planning: Quickly estimate total fees and net income for multiple transactions, helpful for budgeting and forecasting.
- Custom Fee Support: If you negotiate different rates with Stripe or other processors, you can input custom fees.
- Supports Multiple Payment Methods: Understand how different card types affect your fees.
- User-Friendly & Accurate: Designed to provide instant, accurate fee and net amount calculations with a clear breakdown.
Helpful Tips
- Always verify Stripe’s latest fees since rates may change over time.
- Use the “Custom Rate” option if you have special negotiated fees.
- ACH direct debit fees are capped, so this calculator automatically applies that cap.
- When charging international cards, expect higher fees due to currency conversion and cross-border processing.
- For businesses with high volumes, small fee differences can add up, so precise calculations matter.
15 Frequently Asked Questions (FAQs)
- Q: Can this calculator handle multiple transactions at once?
A: Yes, just input the number of transactions, and the calculator will multiply fees and net amounts accordingly. - Q: How does the “I want to receive this amount” mode work?
A: It calculates the gross charge amount you need to request to receive your desired net amount after Stripe fees. - Q: What happens if I select the custom rate option?
A: You can manually enter your own percentage fee and fixed fee to calculate fees based on your unique pricing. - Q: Are the fees shown exact?
A: These are estimates based on Stripe’s standard rates; always confirm with Stripe’s official pricing for precise billing. - Q: Why is there a fixed $0.30 fee added?
A: Stripe charges a fixed fee per transaction in addition to a percentage fee. - Q: How does the ACH fee cap work?
A: ACH fees are 0.8% per transaction but capped at $5. This calculator applies the cap automatically. - Q: Can I calculate fees for American Express cards?
A: Yes, the calculator includes American Express at 3.5% + $0.30. - Q: Can this calculator help me set prices?
A: Absolutely! Use the “I want to receive this amount” mode to price products or services to cover fees. - Q: Is this calculator useful for international sales?
A: Yes, it has an option for international card transactions with higher fees. - Q: What if I only want to calculate fees for one transaction?
A: Simply set the number of transactions to 1. - Q: Does it support fees in currencies other than USD?
A: The calculator displays results in dollars. For other currencies, convert your amounts first. - Q: How can I reset the calculator?
A: Click the reset button to clear all inputs and start fresh. - Q: What is the difference between the “charge” and “receive” calculation modes?
A: “Charge” calculates fees deducted from the charged amount; “receive” calculates how much to charge to get a net amount. - Q: Can I use this calculator if Stripe updates their fees?
A: Yes, just use the custom rate option to update fees accordingly. - Q: Does the calculator factor in taxes?
A: No, this calculator focuses only on Stripe processing fees, not taxes.