Stripe Fee Calculator
Instantly calculate Stripe transaction fees and determine exactly what to invoice.
How to Calculate Stripe Fees
Understanding your payment gateway costs is essential for maintaining healthy business margins. Stripe charges a standard rate of 2.9% + 30¢ per successful card charge. For international cards, an additional 1% applies. Our tool instantly applies these formulas so you know exactly what hits your bank account.
Using the Stripe Payout Calculator
Enter the amount you plan to charge a client into the input field above. The Stripe payout calculator automatically subtracts the processing costs and displays the "You Receive" amount. This represents the final payout that will be transferred to your connected bank account.
The Stripe Transaction Fee Calculator & Invoicing
A common problem for freelancers and agencies is eating the cost of transaction fees. If you need to net exactly $1,000, billing $1,000 will leave you short. Our Stripe processing fees calculator features an "Amount to Invoice" metric. This uses reverse calculation to show you the exact gross amount you need to bill your client so that, after fees are taken out, you receive your desired net income.
Frequently Asked Questions
What percentage does Stripe take?
Stripe charges 2.9% + 30¢ per successful card charge for standard domestic transactions. For international cards, an additional 1% applies, bringing the total to 3.9% + 30¢. These rates apply to most standard Stripe accounts without volume negotiation.
Does Stripe charge fees on refunds?
As of 2024, Stripe does not refund its processing fees when you issue a refund. The 2.9% + 30¢ fee you paid on the original charge is kept by Stripe, meaning issuing refunds costs you money beyond just returning the sale amount to the customer.
How do I avoid paying Stripe fees?
You can't eliminate Stripe fees entirely, but you can minimize them. Bank transfers (ACH) via Stripe charge 0.8% capped at $5 — much cheaper for large transactions. You can also pass fees to customers by invoicing a slightly higher amount, which our "Amount to Invoice" calculation handles automatically.
What does "Amount to Invoice" mean?
If you want to net exactly $1,000 after Stripe takes its fees, billing $1,000 will leave you short — you'd only receive ~$971. The "Amount to Invoice" figure shows you the grossed-up amount to charge (~$1,030.93) so that after Stripe deducts its fee, you receive your exact target amount.
Does Stripe charge fees on failed payments?
No. Stripe only charges its processing fee on successful transactions. However, if a payment dispute occurs, Stripe charges a separate $15 dispute fee — which is refunded if you win the case.