Your estimated Stripe fees will be displayed here.
Understanding Stripe Fees and How to Calculate Them
Stripe is a leading online payment processing platform that allows businesses to accept payments over the internet. Like most payment processors, Stripe charges fees for its services. These fees are typically composed of a percentage of the transaction amount plus a small fixed fee per transaction. Understanding these fees is crucial for accurately forecasting your business expenses and profitability.
Stripe Fee Structure Breakdown:
Card Present Rate: The fee applied to in-person transactions made with a physical card (e.g., at a retail point of sale).
Card Not Present Rate: The fee for online or remote transactions where the card details are entered manually or via a saved card.
Per-Transaction Fee: A small, fixed amount charged for every single transaction, regardless of the amount.
International Card Surcharge: An additional fee applied when a customer pays with a card issued outside your business's country.
Currency Conversion Fee: (Not explicitly calculated in this basic calculator but worth noting) Fees apply if the customer pays in a currency different from your settlement currency.
How the Calculator Works:
This calculator estimates your total Stripe fees based on your total sales volume and a breakdown of your transaction types. It uses the following logic:
It first determines the volume of transactions that are Card Present and Card Not Present based on the percentage you provide.
Card Present Volume = Total Sales Volume * (Percentage of Card Present / 100)
Card Not Present Volume = Total Sales Volume * (1 - (Percentage of Card Present / 100))
It then calculates the fee for each transaction type:
Card Not Present Fee = Card Not Present Volume * (Card Not Present Rate / 100)
It calculates the total fixed per-transaction fees:
Total Per-Transaction Fees = (Total Sales Volume / Average Transaction Value) * Per-Transaction Fee (Note: For simplicity, this calculator approximates by assuming all sales contribute to per-transaction costs, or uses a default average transaction value if not provided. A more precise calculation would require knowing the average transaction value or total number of transactions.)
It incorporates the international surcharge. This calculation assumes a portion of your total sales volume is subject to the international surcharge. For this simplified calculator, we apply it to the Card Not Present volume as a common scenario.
International Card Surcharge Fee = Card Not Present Volume * (International Card Surcharge / 100)
Finally, it sums all these components to provide an estimated total fee.
Total Fees = Card Present Fee + Card Not Present Fee + Total Per-Transaction Fees + International Card Surcharge Fee
Use Cases:
Small Businesses: Estimate monthly processing costs.
E-commerce Stores: Forecast expenses based on projected sales.
Financial Planning: Budget accurately for payment processing.
Pricing Strategy: Understand the true cost of sales to set competitive prices.
Disclaimer: Stripe's fee structure can be complex and may vary based on your region, volume, specific products used (e.g., Stripe Connect, Radar), and negotiated rates. This calculator provides an estimate based on the standard U.S. pricing and the inputs provided. Always refer to Stripe's official documentation for the most accurate and up-to-date information.
function calculateStripeFees() {
var totalSales = parseFloat(document.getElementById("totalSales").value);
var cardPresentRate = parseFloat(document.getElementById("cardPresentRate").value);
var cardNotPresentRate = parseFloat(document.getElementById("cardNotPresentRate").value);
var perTransactionFee = parseFloat(document.getElementById("perTransactionFee").value);
var internationalCardSurcharge = parseFloat(document.getElementById("internationalCardSurcharge").value);
var percentageOfCardPresent = parseFloat(document.getElementById("percentageOfCardPresent").value);
var resultElement = document.getElementById("result");
resultElement.innerHTML = "Your estimated Stripe fees will be displayed here.";
// Input validation
if (isNaN(totalSales) || totalSales < 0 ||
isNaN(cardPresentRate) || cardPresentRate < 0 ||
isNaN(cardNotPresentRate) || cardNotPresentRate < 0 ||
isNaN(perTransactionFee) || perTransactionFee < 0 ||
isNaN(internationalCardSurcharge) || internationalCardSurcharge < 0 ||
isNaN(percentageOfCardPresent) || percentageOfCardPresent 100) {
resultElement.innerHTML = "Please enter valid positive numbers for all fields, and a percentage between 0 and 100 for card present.";
resultElement.style.color = "#dc3545"; // Error color
return;
}
// — Calculations —
// 1. Determine volume for each transaction type
var cardPresentVolume = totalSales * (percentageOfCardPresent / 100);
var cardNotPresentVolume = totalSales * ((100 – percentageOfCardPresent) / 100);
// 2. Calculate fees based on rates
var cardPresentFee = cardPresentVolume * (cardPresentRate / 100);
var cardNotPresentFee = cardNotPresentVolume * (cardNotPresentRate / 100);
// 3. Calculate total per-transaction fees
// Approximation: This assumes an average transaction value to estimate the number of transactions.
// A more precise calculator would need the number of transactions or average transaction value.
// Let's assume an average transaction value of $25 for demonstration.
var assumedAverageTransactionValue = 25.00;
var estimatedNumberOfTransactions = totalSales / assumedAverageTransactionValue;
var totalPerTransactionFeeAmount = estimatedNumberOfTransactions * perTransactionFee;
// 4. Calculate international card surcharge fee
// Apply surcharge to the card-not-present volume as a common scenario.
var internationalSurchargeFee = cardNotPresentVolume * (internationalCardSurcharge / 100);
// 5. Sum all fees
var totalStripeFees = cardPresentFee + cardNotPresentFee + totalPerTransactionFeeAmount + internationalSurchargeFee;
// — Display Result —
resultElement.innerHTML = "Estimated Total Stripe Fees: $" + totalStripeFees.toFixed(2) + "";
resultElement.style.color = "#28a745"; // Success color
}