Stripe Fee Calculator
Find your exact Stripe processing fee and net payout in seconds. Covers online cards, in-person, ACH, international cards, currency conversion, and instant payouts — built for US merchants.
For US businesses, Stripe's standard rate is 2.9% + 30¢ per successful online card transaction. A $100 sale costs $3.20 in fees, leaving a net payout of $96.80. In-person Terminal payments cost less (2.7% + 5¢), keyed-in entries cost more (3.4% + 30¢), and ACH bank transfers cost 0.8% capped at $5. International cards add 1.5%, currency conversion adds 1%, and Instant Payouts add 1.5% — this calculator accounts for every one of these automatically.
How to Use the Stripe Fee Calculator
(net + fixed) ÷ (1 − rate) so the amount you actually keep matches your target to the cent.
What This Calculator Covers
Standard US rate: 2.9% + $0.30 per successful charge across Visa, Mastercard, Amex, Discover, Apple Pay, and Google Pay.
Lower risk, lower fee: 2.7% + $0.05 for card-present transactions through Stripe Terminal.
Manually entered card details carry higher fraud risk: 3.4% + $0.30 per transaction.
Bank-to-bank transfers cost 0.8%, capped at a maximum of $5 — far cheaper for large invoices.
Cards issued outside the US add a flat +1.5% surcharge on top of the base rate.
Charging in a currency different from your payout currency adds +1% for FX conversion.
Cash out within minutes instead of the free 2-day standard payout for an extra 1.5% (US rate, updated June 2024).
Tell it what you want to net, and it works backward to show exactly what to charge the customer.
Enter your monthly processing volume and average ticket size to estimate total Stripe fees for the month.
Who Uses This Stripe Fee Calculator
E-commerce Store Owners
Find the true cost of each sale before setting product margins, especially on low-ticket items where the 30¢ flat fee eats into profit.
SaaS & Subscription Founders
Model your effective take rate across recurring billing, including how international customers raise your blended fee percentage.
Freelancers & Invoicing
Use reverse mode to know exactly what to invoice a client so your take-home matches your quoted rate after Stripe deducts fees.
Retail & In-Person Sellers
Compare Terminal in-person rates against online rates to decide which checkout flow protects margin best for your store.
Global / Cross-Border Sellers
Stack the international card and currency conversion toggles together to see your real worst-case fee on foreign sales.
Finance & Bookkeeping Teams
Use the monthly volume estimator to forecast total processing costs for budgeting and cash-flow planning.
Stripe vs PayPal vs Square: 2026 Fee Comparison
For a standard $100 US domestic online card transaction, here's how Stripe's published rate compares to the two most common alternatives:
| Processor | Standard Online Rate | Fee on $100 | Net Payout | Monthly Fee |
|---|---|---|---|---|
| Stripe | 2.9% + $0.30 | $3.20 | $96.80 | None |
| Square | 2.9% + $0.30 | $3.20 | $96.80 | None |
| PayPal (standard checkout) | 3.49% + $0.49 | $3.98 | $96.02 | None |
Rates shown are published standard self-service rates for US domestic online transactions as of mid-2026 and can change. Custom/enterprise plans with negotiated Interchange Plus pricing are not reflected here.
Tips to Reduce Your Stripe Fees
Frequently Asked Questions
About This Calculator's Accuracy
This calculator uses Stripe's publicly published standard US pay-as-you-go rates as of mid-2026: 2.9% + $0.30 for online cards, 2.7% + $0.05 for in-person Terminal payments, 3.4% + $0.30 for keyed-in cards, 0.8% (capped at $5) for ACH, +1.5% for international cards, +1% for currency conversion, and +1.5% for Instant Payouts. All calculations run entirely in your browser using plain arithmetic — no data is transmitted anywhere.
Stripe's actual rates can vary by country, negotiated custom/enterprise plans, Interchange Plus pricing, and product mix (Billing, Tax, Radar, Connect, Identity, etc. are charged separately and are not included here). Always verify your account's specific rate in your Stripe Dashboard before making pricing decisions. This tool is for estimation and planning purposes and is not affiliated with, endorsed by, or operated by Stripe, Inc.