Stripe Fee Calculator

Accurately calculate Stripe processing fees and find out exactly how much to charge your clients to receive your full amount.

$

The Complete Guide to the Stripe Fee Calculator

If you run an online business, e-commerce store, or freelance gig, you likely use Stripe to process payments. While Stripe is one of the most popular payment gateways due to its ease of use, its fee structure can take a chunk out of your profits if you aren't careful. That's where our Stripe Fee Calculator comes in.

This tool helps you understand exactly how much money will land in your bank account after a transaction and, crucially, calculate how much you need to charge a client to cover those fees.

How are Stripe Fees Calculated? (2025 Update)

Stripe uses a pay-as-you-go pricing model. For most standard businesses in the United States, the fee structure is:

2.9% + $0.30

Per successful card charge

This means if you charge a customer $100.00:
Percentage Fee: $100 * 0.029 = $2.90
Fixed Fee: $0.30
Total Fee: $3.20
You Receive: $96.80

Understanding Additional Fees

While the standard rate covers most domestic transactions, there are scenarios where Stripe charges more:

  • International Cards (+1.5%): If a customer pays with a card issued outside your country, Stripe adds a 1.5% fee. Total becomes 4.4% + $0.30.
  • Currency Conversion (+1.0%): If the currency of the card differs from your payout currency (e.g., a customer pays in Euros but your account is in USD), a 1% conversion fee applies.
  • Instant Payouts (1%): If you want your money immediately rather than waiting for the standard 2-day rolling payout, Stripe charges 1% of the payout volume (min $0.50).

How to Use the Reverse Calculator

One of the most powerful features of our Stripe Fee Calculator is the "Reverse" calculation. This answers the question: "I need $500 in my pocket. How much should I invoice the client?"

Simply passing the fee by adding 2.9% doesn't work because the fee is calculated on the total transaction amount. The formula used by our tool is:

Charge Amount = (Target Amount + Fixed Fee) / (1 - Fee Rate)

Example: To receive exactly $100:
($100 + $0.30) / (1 - 0.029)
= $100.30 / 0.971
= $103.30

Strategies to Lower Payment Fees

  1. ACH Direct Debit: Stripe charges significantly less for ACH payments (0.8%, capped at $5.00). Use this for large B2B invoices.
  2. Pass Fees to Customers: Use our calculator to determine the surcharge. Note: Check local laws regarding credit card surcharging.
  3. Volume Discounts: If you process over $100,000 per month, contact Stripe sales for a custom rate.

Frequently Asked Questions (FAQ)

Does Stripe refund fees on refunds?

No. As of recent policy updates, Stripe does not return the processing fee when you issue a refund to a customer. You will be out the 2.9% + $0.30.

Are these fees tax-deductible?

Yes, payment processing fees are considered a "cost of doing business" and are typically 100% tax-deductible expenses.