Demystify Your Stripe Fees and Maximize Your Profit

For any online business, freelancer, or creator using Stripe, understanding the transaction fees is crucial for accurate accounting and pricing. Our Stripe Fee Calculator is an essential tool that takes the guesswork out of the equation. It allows you to see exactly how much you'll receive from a sale after fees are deducted. More importantly, it features a reverse calculation to determine how much you need to charge a customer to end up with a specific net amount, which is perfect for creating invoices and setting prices.

While the standard Stripe fee is 2.9% + $0.30 for most US transactions, rates can vary. Our calculator is fully customizable, allowing you to input different percentage and fixed fees to match international rates or special plans, giving you a flexible tool for any scenario.

How to Use the Stripe Fee Calculator

1. Select Calculation Type: Choose whether you want to calculate the fee based on what the customer is charged, or determine the charge amount based on what you want to receive.
2. Enter the Amount: Input the relevant amount (charge amount or desired net).
3. Adjust Fees (Optional): The standard 2.9% + $0.30 is pre-filled. You can change these if your rates differ.
4. Calculate: Click the button to see a clear summary of the transaction.

Frequently Asked Questions About Stripe Fees

How to calculate Stripe fees?

To calculate Stripe fees, use the formula: Fee = (Transaction Amount × Percentage Fee) + Fixed Fee. For a standard US transaction, this is (Amount × 0.029) + $0.30. Our calculator does this for you automatically. You can also use the reverse calculation to find out how much to charge a customer to end up with a specific net amount.

What percentage do Stripe payments take?

For standard online transactions in the US, Stripe takes 2.9% of the transaction amount, plus a fixed fee of $0.30. This rate can vary for international cards (an additional 1.5%), currency conversions, and in-person payments, which is why our calculator allows you to customize the rates.

How much is the Stripe fee for $100?

For a $100 transaction with the standard 2.9% + $0.30 fee, the total fee would be $3.20. The calculation is ($100 × 0.029) + $0.30 = $2.90 + $0.30 = $3.20. You would receive $96.80.

How to reduce Stripe fees?

You can potentially reduce Stripe fees by negotiating for high-volume pricing if you process a large number of transactions. Additionally, you can encourage customers to use lower-cost payment methods like ACH bank transfers, which have lower fees, or by bundling payments to minimize the impact of the fixed $0.30 fee on small transactions.

What are typical Stripe fees?

The most typical Stripe fee is 2.9% + $0.30 for online credit/debit card payments in the United States. In-person payments via Stripe Terminal are typically lower, around 2.7% + $0.05. International transactions often incur an additional 1.5% fee on top of the base rate.