Stripe Fee Calculator

See the Stripe fee and what you keep — or what to charge to net a target.

Amount

Fee rate %

Fixed fee

If you charge 100.00

Stripe fee: 3.20

You receive:96.80

To receive 100.00 net

Stripe fee: 3.30

Charge:103.30

How Stripe fees work

Stripe's standard online card fee is a percentage of the charge plus a fixed fee — commonly 2.9% + $0.30in the US, though it varies by country, currency, and product (adjust the fields above for your rate). To actually receive a target amount you can't just add the fee back, because the fee applies to the larger total; the correct gross is (net + fixed) / (1 − rate). All math runs in your browser.

More money tools: the PayPal fee calculator, the discount calculator, and the percentage calculator.

Built and maintained by Meet Shah · Last updated 1 August 2026

What this tool is used for

Working out what you receive on a payment before invoicing.
Reverse-solving what to charge to net a target amount.
Comparing the cost of two payment methods.
Checking a payout against what the fee should have been.
Comparing the cost of many small charges against fewer larger ones.

Frequently Asked Questions

Why can't I just add the fee to hit a target payout?: Because the fee is charged on the larger total, so the amount you add attracts its own fee. The gross that nets a target is (net + fixed) / (1 − rate): for $100 net at 2.9% + $0.30 that is $103.30, whose fee is $3.30. Adding the original $3.20 fee would have left you ten cents short.
Why does my Stripe dashboard differ by a cent?: Because Stripe rounds each fee to a whole cent and this carries the exact decimals through, so the last place can disagree. The same quantisation means an exact gross-up is sometimes impossible: with fees landing on whole cents, certain target net amounts have no charge that reaches them precisely.
Why does the fixed fee dominate small charges?: Because it does not scale. At 2.9% + $0.30, a $1 charge loses 33% and a $5 charge 8.9%, against 3.2% on $100. The effective rate is rate + fixed/amount, which is why micropayments get batched into larger charges and why 50-cent minimums are so common.
Do I get the fee back when I refund?: No. Stripe returns the full amount to the customer and keeps the original processing fee, so a refunded sale costs you that fee outright. It is why a high refund rate hurts more than the headline percentage implies, and why refunding part of a charge is cheaper than reversing all of it.
Which rate should I enter?: Whatever your account actually pays. 2.9% + $0.30 is the US standard online card rate and it varies by country, currency and product — international cards and currency conversion each commonly add around 1%, ACH is a capped percentage rather than a flat fee, and card-present rates are lower.

Common errors and gotchas

Assuming the fixed component is negligible, when on a small charge it can exceed the percentage.
Using a domestic rate on an international card, which carries an extra percentage.
Overlooking currency conversion charges, often larger than the processing fee.
Forgetting the fixed component, which dominates on small transactions.
Using a stale rate, since fee schedules change.