Stripe Cost Calculator

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Reviewed and Verified by: David Chen, CFA

Use the official Stripe Cost Calculator to determine the exact fees you will incur for any transaction. This tool helps you accurately forecast your net revenue and profit margins, ensuring you always know the true cost of accepting payments.

Stripe Cost Calculator

The standard rate for US cards is 2.9%. Adjust as needed.
The standard rate for US cards is $0.30. Adjust as needed.
Calculation Results
Transaction Amount: $100.00
Total Stripe Fee:
Net Payout:

Calculation Breakdown:

Stripe Cost Calculator Formula

Total Fee = (Transaction Amount × Percentage Rate) + Fixed Fee

Where:

Percentage Rate is the decimal equivalent (e.g., 2.9% becomes 0.029).

Net Payout = Transaction Amount – Total Fee

Formula Source: Stripe Official Pricing | Forbes Advisor

Variables Used in the Calculator

  • Transaction Amount ($): The gross amount charged to the customer before any fees are deducted.
  • Stripe Percentage Rate (%): The variable portion of the fee, typically 2.9% for standard domestic transactions, but subject to change based on card type and region.
  • Stripe Fixed Fee ($): The constant, non-variable portion of the fee, typically $0.30 for standard domestic transactions.

What is the Stripe Cost Calculator?

The Stripe Cost Calculator is an essential tool for any business utilizing Stripe as its primary payment processor. Stripe’s fee structure is straightforward but requires precise calculation: a fixed amount plus a percentage of the transaction. For businesses processing high volumes or low-value transactions, even small variations in the total fee can significantly impact overall profitability.

This calculator provides immediate, accurate insights into the actual amount you will receive (the Net Payout) after Stripe deductions. By factoring in customized percentage and fixed fees—which vary for international cards, recurring billing, or specific payment methods—you can make informed pricing decisions. It ensures transparency, helping you optimize your revenue management and avoid unexpected fee surprises.

How to Calculate Stripe Cost (Example)

Let’s calculate the Stripe fee for a $150.00 transaction using the standard US rates (2.9% + $0.30):

  1. Determine the Inputs: Transaction Amount (T) = $150.00, Percentage Rate (P) = 0.029 (2.9%), Fixed Fee (F) = $0.30.
  2. Calculate the Percentage Fee: $150.00 \times 0.029 = \$4.35$.
  3. Calculate the Total Fee: $\$4.35$ (Percentage Fee) $+$ $\$0.30$ (Fixed Fee) = $\mathbf{\$4.65}$ (Total Fee).
  4. Calculate the Net Payout: $\$150.00$ (Transaction Amount) $-$ $\$4.65$ (Total Fee) = $\mathbf{\$145.35}$ (Net Payout).

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Frequently Asked Questions (FAQ)

What is the standard Stripe fee structure?

The standard fee for online transactions with US-issued cards is 2.9% + $0.30 per successful charge. However, rates may vary significantly for international cards, in-person payments, or specific products like Billing or Connect.

Does the Stripe fee include tax?

No. Stripe fees generally do not include sales tax or VAT/GST. You are responsible for calculating and remitting any taxes applicable to your transactions or the services you sell.

How does Stripe handle refunds regarding fees?

When you refund a customer, Stripe typically does not return the fixed and percentage fees from the original transaction. The fee is generally non-refundable, meaning you lose the fee when processing a full or partial refund.

Can I negotiate lower Stripe rates?

Yes, but typically only if your business processes a very high volume of sales (usually over $80,000 to $100,000 per month). You must contact Stripe sales directly to discuss custom pricing packages for high-volume merchants.

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