Stripe Fee Calculator
Calculate Stripe credit card processing fees for domestic (2.9% + $0.30) and international (4.4% + $0.30) payments with instant reverse invoicing math.
Stripe Fee Parameters
Standard US domestic credit, debit, and digital wallet cards.
Formula: Fee = Amount × 2.9% + $0.30 · Reverse Charge = (Target + $0.30) ÷ (1 − 0.029)
Rates checked on 2026-10-16 against Stripe Official Pricing.
If you charge $100.00
To receive exactly $100.00 net in your bank
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What is the Stripe Fee Calculator?
The Stripe Fee Calculator computes credit card processing fees, net bank payouts, and reverse invoice amounts across standard US transactions (2.9% + $0.30), international cards (+1.5% surcharge), currency conversion (+1.0%), and instant payout transfers (1.5%, min $0.50). Rates verified on October 16, 2026.
Who is the Stripe Fee Calculator for?
Built for SaaS founders, e-commerce stores, app developers, and freelancers billing customers via Stripe Payments.
How to Use the Stripe Fee Calculator
- Enter payment transaction charge amount in USD.
- Select card origin (Standard US Domestic Card, International Card, In-Person Terminal, or Custom).
- Toggle optional Currency Conversion (+1.0%) or Instant Payout (1.5%, min $0.50) if applicable.
- View the fee breakdown, net deposit amount, and reverse invoice ('Ask For') calculation.
Worked Calculation Example
Frequently Asked Questions
What is Stripe's standard US processing fee?
As checked on October 16, 2026, Stripe US charges 2.9% + $0.30 per successful online card charge. In-person transactions via Stripe Terminal charge 2.7% + $0.05.
Does Stripe charge more for international cards and currency conversion?
Yes. Stripe adds a +1.5% fee for international cards, and an additional +1.0% fee if currency conversion is required (total +2.5% over domestic rates).
How much does Stripe charge for instant bank payouts?
Standard two-day rolling bank payouts are free. Instant payouts to an eligible debit card or bank account cost 1.5% of the payout amount, with a minimum fee of $0.50.
How do I calculate what to charge to cover Stripe fees?
Use the reverse fee formula: Invoice Amount = (Desired Payout + Fixed Fee) / (1 - Percentage Fee Rate). For $100 net payout at 2.9% + $0.30: ($100 + 0.30) / (1 - 0.029) = $103.30.
What is Stripe's standard fee?
For standard US accounts, Stripe charges 2.9% + $0.30 per successful card charge, with an additional 1.5% fee for international cards.
Does Stripe refund processing fees when issuing a refund?
No. Under Stripe's global fee policy, original processing fees are not returned when you issue a full or partial refund to a customer.
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