Finance

Stripe Fee Calculator

Free Stripe fee calculator 2026 — calculate Stripe's 2.9% + $0.30 card fee, international and currency conversion surcharges, Terminal rates, your net payout and the amount to charge to net a target sum.

CurrencyPayment typeStandard online card paymentPayment amount ($)Payments per monthTo project monthly Stripe cost

Currency conversion (adds 1%)

Stripe fee

$3.20

2.9% + $0.30

You receive

$96.80

Net payout to your bank

Effective rate

3.20%

Fee ÷ payment amount

Charge to net this

$103.30

Bill this to receive $100.00

Monthly fees

$160.00

50 payments

Monthly net

$4840.00

After all Stripe fees

Yearly fees

$1920.00

At this run rate

You keep

96.80%

Of every payment

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Long-tail searches trending across the UK & Ireland — click to open the matching tool.

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How to use Stripe Fee Calculator

Choose your currency and the type of payment (online, international, keyed-in or in-person).
Enter the payment amount.
Tick currency conversion if you are paid in another currency.
Read the Stripe fee, your net payout and the amount to charge to net your target.

Frequently asked questions

How much does Stripe charge per transaction?

Stripe's standard online rate is 2.9% + $0.30 per successful card charge in the US (1.5% + 20p for UK domestic cards). International cards add roughly 1.5% and currency conversion adds about 1%.

How much is Stripe's fee on $100?

About $3.20 on a $100 domestic US card payment — 2.9% ($2.90) plus the $0.30 fixed fee — leaving $96.80 in your balance.

How do I charge the customer the Stripe fee?

Use the reverse calculation in this tool: it solves for the gross amount to bill so that your target amount lands in your bank after Stripe's percentage and fixed fee.

Is Stripe cheaper than PayPal?

For standard domestic card payments Stripe (2.9% + $0.30) and PayPal (3.49% + $0.49 for goods) are close, with Stripe usually cheaper. Compare both with our PayPal Fee Calculator.

Does Stripe refund its fee on refunds?

No. Since 2019 Stripe keeps the processing fee on refunded payments, so a high refund rate is a real cost — build a buffer into your price.

What are Stripe Terminal (in-person) fees?

Card-present payments through Stripe Terminal are cheaper — around 2.7% + $0.05 in the US — because card-present transactions carry lower fraud risk.