💳 Stripe Fee Calculator

Stripe's standard US online card rate is 2.9% + $0.30 per successful charge — that is, 2.9% of the charge amount plus a flat 30 cents is deducted as the fee. Charges from internationally-issued cards add a +1.5% surcharge (4.4% + $0.30 total), and if the payout currency differs from the charge currency, a separate +1% currency conversion fee may apply. Base rates can differ by country, so check your Stripe dashboard for your actual contracted rate.

Example: on a $100 charge, fee = 100×0.029+0.30 = $3.20, net payout = $96.80.

If you want the customer to pay a fee so you net an exact amount (e.g., "I need to receive exactly $100"), simply adding the estimated fee to your target undercharges, because the fee itself is calculated on the higher charge amount. The correct gross-up formula is Charge amount = (Target net + $0.30) ÷ (1 − 0.029). For a $100 target net, charge amount = (100 + 0.30) ÷ 0.971 = $103.30, with a fee of $3.30, leaving exactly $100.

(1) High-volume merchants can often negotiate custom rates with Stripe — standard rates aren't fixed for everyone. (2) If a large share of your customers use international cards, offering local payment methods (bank debits, Stripe Link, etc.) can lower average card fees. (3) For subscriptions, manage failed-payment retries (Smart Retries) to avoid repeated fee exposure. (4) Matching your settlement currency to your sale currency avoids the +1% currency conversion fee.