Stripe Fee Calculator
Quickly estimate standard card processing costs, calculate precise payouts, and determine corresponding invoice additions to cover transaction rates in US, UK, Australia, and Canada.
Payout = Charge โ (Charge ร 2.9% + $0.30)
Stripe Calculation Examples
| Gross Amount | Percentage | Fixed Fee | Total Fee | Net Amount |
|---|---|---|---|---|
| $25.00 | 2.9% | $0.30 | -$1.03 | $23.98 |
| $50.00 | 2.9% | $0.30 | -$1.75 | $48.25 |
| $100.00 | 2.9% | $0.30 | -$3.20 | $96.80 |
| $250.00 | 2.9% | $0.30 | -$7.55 | $242.45 |
| $500.00 | 2.9% | $0.30 | -$14.80 | $485.20 |
| $1,000.00 | 2.9% | $0.30 | -$29.30 | $970.70 |
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September 2026
Official Stripe Pricing
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Stripe Supported Countries & Fees
Below is a summary of the supported regions, local currencies, and standard base fee policies for Stripe. Select your country in the calculator above for instant estimated calculations.
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Decoding Stripe's Processing Ecosystem
Unlike traditional merchant accounts with complex monthly minimums and hidden statement fees, Stripe utilizes a streamlined "pay-as-you-go" pricing model. This calculator instantly models the financial impact of Stripe's dynamic tiering, which pairs a variable percentage rate with a fixed per-transaction charge based on the origin of the payment card.
Standard Processing vs. Stripe Connect
While standard e-commerce checkouts rely on the baseline 2.9% + 30ยข formula (in the US), SaaS platforms and marketplaces routing payments between buyers and sellers use Stripe Connect. Connect may introduce additional cost layers depending on your setup:
- Express Accounts: Platforms are billed $2.00 per active account per month, plus a 0.25% + 25ยข payout fee.
- Custom Accounts: Designed for white-labeled onboarding, with similar active fees but heavier compliance burdens.
Optimizing Cash Flow: The Reverse Calculation
A frequent error merchants make when passing Stripe fees to their clients is merely adding the 2.9% + 30ยข to the invoice. Because Stripe calculates its deduction on the newly inflated total, you will end up with a shortfall. To receive a specific net payout, you must use a reverse formula:
Alternative Payment Methods (ACH & Wallets)
Credit cards are expensive. To aggressively cut processing costs on B2B or high-ticket sales, merchants should enable ACH Direct Debit. Stripe caps ACH fees at $5.00 per transaction (0.8% rate). A $5,000 invoice paid via credit card costs $145.30 in fees; the same invoice paid via ACH costs a maximum of $5.00.
Protecting Margins: Disputes & Radar
Beyond baseline processing, hidden profit killers include chargeback fees and fraud network penalties. Stripe charges a non-refundable $15.00 fee for every disputed payment. Furthermore, while Stripe Radar's basic machine-learning fraud protection is free, the advanced "Radar for Fraud Teams" toolset costs an additional 7ยข per screened transaction.
Stripe Fees By Country Comparison
Stripe's global pricing structure varies significantly by region. While US merchants typically see a blended flat rate, European merchants often benefit from interchange-based pricing due to capped regulations. Additionally, Stripe applies separate percentage surcharges for cross-border cards and currency conversion, meaning your true cost depends heavily on where your customers are located: