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.

Short answer: Stripe Fee Calculator — Exactly what Stripe takes and what lands in your bank. 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. It answers “stripe fee calculator international cards surcharge”. Who it is for: Businesses invoicing through Stripe; Freelancers checking what lands after Stripe's cut; Anyone receiving international card payments. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

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

Popular long-tail searches from Canada and Australia — jump straight to the tool.

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Who is this tool for?

✔ Businesses invoicing through Stripe
✔ Freelancers checking what lands after Stripe's cut
✔ Anyone receiving international card payments
✔ Sellers pricing Stripe fees into a product price
✔ Anyone working out what to charge to receive a set amount

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.

Stripe fee calculator international cards surcharge?

Use the Stripe Fee Calculator above: Exactly what Stripe takes and what lands in your bank. 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.