Starts with a 2.9% + $0.30 planning preset. Edit both values for the Stripe pricing that applies to your transaction.
Calculation details
Planning estimate only, not financial, tax, or legal advice. Verify assumptions and current rules before making decisions.
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Use this result
Share the current inputs or ask ChatGPT to explain the calculation in context.
What does this calculator estimate?
A Stripe fee calculator shows what a payment costs. Enter the amount and rate to see the fee and net received.
- Stripe US online: 2.9% + $0.30
- $100 → $3.20 fee
- Rates vary by country and card type
How Stripe fees work
Stripe charges a percentage plus a fixed fee per successful card charge — 2.9% + $0.30 is the standard US online rate. International cards, currency conversion, and some premium features add charges. The calculator applies the rate to the amount.
Limitations to watch for
Rates differ by region and card type (EU cards often 1.5% + €0.20; American Express may be higher). The tool models a single rate. Refunds keep the fee in most cases. Volume discounts exist at scale.
How to use it in practice
Enter the charge amount and your account's effective rate. Price your product so fees fit the margin. Compare Stripe against PayPal and other processors at your typical ticket size.
['Enter the payment amount.', 'Enter the rate and fixed fee.', 'Read the fee and net.']
How Stripe fees work
Stripe's standard US rate is 2.9 percent plus $0.30 per successful card charge. A $100 charge costs $3.20 — $2.90 plus $0.30 — and the business receives $96.80. The calculator applies the rate and fixed fee.
Fee math for received vs. sent
To net a target amount, the gross charge must cover the fee: net = gross × (1 − rate) − fixed. To receive $100, charge about $103.35. The calculator runs both directions.
International and currency fees
Cross-border charges add 1–1.5 percent, and currency conversion adds about 1 percent. A $500 international charge at 3.9% + $0.30 costs about $19.80. The calculator's rate input handles the higher percentage.
A worked example
A $40 product: fee = 40 × 0.029 + 0.30 = $1.46, net $38.54. At $200 monthly orders, that's about $292 in fees annually. The calculator returns the per-transaction and cumulative cost.
Comparing processors
Stripe (2.9% + $0.30) vs. PayPal (2.99% + $0.49) differs by cents per transaction but adds up at volume. The calculator makes the per-transaction comparison quick for any amount.
How this calculator works
Formula
Fee = amount × 2.9% + $0.30 (US standard online rate). Net = amount − fee. Rates vary by country, card type, and volume.
Worked example
A $100 online payment: $100 × 2.9% + $0.30 = $3.20 in fees — net $96.80.
Assumptions to verify
- The standard US online rate applies.
- No currency conversion or international card fees.
- The charge is a standard card payment.
Frequently asked questions
How much does Stripe charge?
2.9% + $0.30 per successful online charge in the US — $3.20 on a $100 payment.
How do I calculate the fee?
Amount × 2.9% + $0.30.
Why is my rate different?
International cards, currency conversion, and country-specific pricing change the rate.
Do refunds return the fee?
Usually not — the processing fee is typically kept on refunded transactions.
How does Stripe compare to PayPal?
Stripe is usually slightly cheaper (2.9% + $0.30 vs PayPal's 2.99% + $0.49 US) — compare at your ticket size.
Is there a monthly fee?
No base monthly fee on the standard plan; paid features and volume pricing vary.
What counts as 'online'?
Card-not-present charges — in-person terminal rates are lower (2.6% + $0.10).
What is the Stripe fee?
2.9% plus $0.30 per successful card charge in the US.
How much do I receive?
Amount − fee: $100 − $3.20 = $96.80.
How do I net a target?
Gross = (target + $0.30) ÷ 0.971 — the calculator does both directions.
Cite this tool
BoringToolsKit. “Stripe Fee Calculator.” boringtoolskit.com/stripe-fee-calculator/ (reviewed 2026-08-25). Free to reference in articles, syllabi, and answer posts with a link.
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