Stripe Fee Calculator
CheckedThis Stripe fee calculator shows what Stripe takes from a card payment, what you receive, and your fees over a month. Free, no sign-up, and the result updates as you type.
Enter your numbers
2.9% + $0.30 is the US domestic card rate, and almost nobody pays only that. A card issued abroad adds 1.5%; settling in a different currency adds another 1%. Both are surcharges on the same charge, so an international customer paying in their own currency costs 5.4% + $0.30, not 2.9%. The flat 30 cents is the other half of the story — across 400 charges a month that is $120 gone before a single percentage point is counted, which is why small-ticket businesses feel Stripe far more than large-ticket ones.
How it's calculated
You receive = amount − [amount × (2.9% + surcharges) + $0.30]. Monthly fees = fee per charge × charges per month
LaTeX source
\text{Net} = A - \left[A \times \frac{r + x}{100} + f\right], \qquad G = \frac{A + f}{1 - \frac{r + x}{100}} Stripe fees in 2026
| Fee | Rate |
|---|---|
| Online card payment (US) | 2.9% + 30¢ |
| International card surcharge Added for cards issued outside the US. | 1.5% |
| Currency conversion Added when the charge currency differs from yours. | 1% |
US rates for a standard account, from the sources listed at the bottom of this page. The calculator above takes its default rates from this table.
Worked examples
A $100 charge on a US card, 250 charges a month
$96.80 received
Stripe takes $2.90 plus $0.30, so $3.20 — an effective rate of 3.20%. Across 250 charges that is $800 a month in fees and $24,200 net. To bank a clean $100 you would have to charge $103.30, which is $0.10 more than simply adding the $3.20 back on.
The numbers used
- Charge amount
- 100
- Stripe rate
- 2.9
- Fixed fee
- 0.3
- Surcharges
- 0
- Charges per month
- 250
The same charge on a card issued outside the US
$95.30 received
The 1.5% international card surcharge takes the rate to 4.4%, so the fee is $4.70 instead of $3.20. Over 250 charges the month costs $1,175 rather than $800. If those customers also pay in their own currency, add 1% more and the fee reaches $5.70 per charge.
The numbers used
- Charge amount
- 100
- Stripe rate
- 2.9
- Fixed fee
- 0.3
- Surcharges
- 1.5
- Charges per month
- 250
Questions sellers ask
How much is the Stripe fee for $100?
$3.20 on a US card, leaving $96.80. That is 2.9% of $100 plus the flat $0.30, so the effective rate is 3.20% rather than 2.9%. A foreign card on the same $100 costs $4.70, and a foreign card charged in a foreign currency costs $5.70.
How much does Stripe charge as a fee?
2.9% + $0.30 per successful charge on standard US online pricing, with no monthly fee and no charge for failed payments. Cards issued outside the US add 1.5%, currency conversion adds 1%, and disputed charges carry a $15 fee that is refunded only if you win. In-person and platform pricing differ, so check your own dashboard if you use Terminal or Connect.
Why are Stripe fees so high?
Most of the 2.9% is not Stripe's. Card network interchange and scheme fees take the large majority of it and go to the issuing bank and to Visa or Mastercard, not to the processor. What makes Stripe feel expensive is the flat $0.30 on small charges — on a $12 transaction it pushes the real rate to 5.40% — and the surcharges on international cards, which are easy to miss until the payouts arrive.
Can I charge my Stripe fees to my customers?
In most US states yes for credit cards, subject to card network rules, state law and clear disclosure at checkout; debit card surcharging is prohibited. Build it in with the gross-up figure above rather than adding a flat 2.9%, because the fee applies to the surcharge too. Most sellers raise prices slightly instead, which avoids the disclosure requirements entirely.
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