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Stripe Fee Calculator

Free Stripe fee calculator for 2026. Enter a charge amount to see the Stripe fee, net payout, and effective rate for US cards, international cards, UK, EU, ACH Direct Debit, and custom rates. Supports forward mode (what you receive after fees) and reverse mode (what to charge so you net a specific amount).

Quick Answer

A $100 US card charge on Stripe pays a $3.20 fee (2.9 percent + $0.30) and nets $96.80. To receive exactly $100, charge $103.30. ACH Direct Debit costs 0.8 percent with a $5 cap per transaction.

Enter Values

Amount

Charge amount (forward) or target net payout (reverse)

Mode

Rate preset

Custom percent rate

0%100%

Only used when preset is "Custom rate"

Custom fixed fee

Only used when preset is "Custom rate"

Result

Enter values above and click Calculate to see your result.

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Formula

Core Formula

\text{Fee} = \text{Amount} \times \text{Rate\%} + \text{Fixed} \qquad \text{Gross} = \frac{\text{Net} + \text{Fixed}}{1 - \text{Rate\%}}

How it works: In forward mode you enter what the customer is charged and the calculator subtracts the Stripe fee to show your net payout. In reverse mode you enter the net you want to receive and the calculator grosses up the charge so that after Stripe takes its cut you land on that target. ACH Direct Debit applies a $5 per-transaction cap on the 0.8 percent fee.

Review and Methodology

Last reviewed Apr 23, 2026Updated Apr 23, 20261 source

This calculator runs locally in your browser. Inputs are converted into the units required by the formula, and the result is paired with supporting references so you can verify the method before using it for planning or estimates.

Reference sources

Stripe public pricing (stripe.com/pricing)

Worked Example

US standard card, charge $100 forward mode:

1Step 1: Rate = 2.9 percent, Fixed = $0.30

2Step 2: Fee = $100 x 0.029 + $0.30 = $2.90 + $0.30 = $3.20

3Step 3: Net = $100 - $3.20 = $96.80

4Step 4: Effective rate = $3.20 / $100 = 3.20 percent

Reverse mode, receive exactly $100 net:

1Step 1: Charge = ($100 + $0.30) / (1 - 0.029) = $100.30 / 0.971

2Step 2: Charge = $103.30 (round to nearest cent)

3Step 3: Verify: $103.30 x 0.029 + $0.30 = $3.30 fee, net $100.00

How Stripe Fees Work and When to Use Forward or Reverse Mode

Stripe charges a percentage of the transaction plus a fixed per-transaction fee. For US standard cards the rate is 2.9 percent + $0.30 per successful charge. The percentage covers card-network interchange and assessment costs, while the fixed fee covers Stripe infrastructure. International cards add a 1 percent premium, and if Stripe performs currency conversion another 1 percent is added. ACH Direct Debit uses a much cheaper 0.8 percent flat rate with a $5 cap, making it the go-to method for large B2B invoices.

Forward mode answers "if I charge X, how much do I receive?". Use it for pricing pages, checkout previews, and payout reconciliation.
Reverse mode answers "what should I charge so I net X?". Use it for invoices where you need a specific amount after fees, such as contractor payments or flat-fee bookings.
ACH Direct Debit caps the fee at $5 per transaction, so it is dramatically cheaper than cards for any charge above roughly $172 (where 2.9 percent crosses the cap).
International and currency-converted charges each add 1 percent on top of the base card rate. Factor these in when quoting global customers.
This calculator excludes Stripe Tax, Radar, Instant Payouts, Connect application fees, and cross-border premiums. Those are separate line items on the Stripe dashboard.

For full revenue planning, pair this tool with the E-commerce Profit Calculator to factor in product cost, shipping, and ad spend alongside payment fees.

You can also calculate changes using our E-commerce Profit Calculator, Etsy Profit and Fee Calculator, eBay Final Value Fee Calculator or Poshmark vs Depop Profit Comparison.

Stripe Fee Quick Reference (Published Rates)

Current Stripe processing fees for the most common transaction types. Always verify against stripe.com/pricing before using for contracts.

Transaction Type	Percent Rate	Fixed Fee	Notes
US standard cards	2.9%	$0.30	Baseline rate for US-issued cards
US international cards	3.9%	$0.30	Adds 1% for non-US cards
US cards + currency conversion	3.9%	$0.30	Adds 1% when Stripe converts currencies
UK standard cards	1.5%	£0.20	UK-issued cards in GBP
EU standard cards	1.5%	€0.25	EEA-issued cards in EUR
US ACH Direct Debit	0.8%	$0	Capped at $5 per transaction
Custom / negotiated	Variable	Variable	Enterprise or volume-based pricing

Note: Rates reflect Stripe public pricing as of 2026 and exclude Stripe Tax, Radar, Instant Payouts (1%), Connect platform fees, and cross-border premiums. Enterprise customers often negotiate custom rates; use the Custom preset to model those.

Frequently Asked Questions

What is the Stripe fee for US card payments?

Standard US card transactions cost 2.9 percent of the charge plus a $0.30 fixed fee. A $100 charge produces a $3.20 Stripe fee and a $96.80 net payout. International cards add 1 percent (so 3.9 percent + $0.30), and currency conversion adds another 1 percent.

How do I gross up a charge so I receive exactly the amount I want?

Switch the calculator to "Reverse (net to gross)" mode and enter the net amount you want to receive. The calculator applies the formula Charge = (Net + Fixed) / (1 - Rate%) so that after Stripe takes its percentage and fixed fee, you land on your target net. For $100 on a US card: charge the customer $103.30.

Why is ACH Direct Debit capped at $5?

Stripe caps its 0.8 percent ACH fee at $5 per transaction, so a $10,000 ACH charge still only pays a $5 fee instead of $80. This makes ACH much cheaper than cards for large B2B invoices. The cap applies per transaction, not per month.

Are there differences between Stripe fees across countries?

Yes. UK uses 1.5 percent plus 20 pence for standard cards and charges in GBP. EU uses 1.5 percent plus 0.25 EUR for EEA cards and charges in EUR. US uses 2.9 percent plus $0.30. International or currency-converted transactions add premiums. Each preset in the calculator reflects the current published pricing.

Does this calculator include Stripe Tax, Radar, or payout fees?

No. This tool only covers the core processing fee (percent + fixed). Stripe Tax, Radar fraud protection, Instant Payouts (1 percent), Connect platform fees, and cross-border fees are billed separately. Add those to your own spreadsheet if they apply to your business.

How accurate are the preset rates?

Presets track Stripe public pricing pages as of 2026. Stripe occasionally adjusts rates or introduces new products, so verify against stripe.com/pricing before using the result for contract or investor numbers. For custom negotiated rates, use the "Custom rate" preset.

How do I add this Stripe Fee Calculator to my site?

Absolutely. Use the "Embed" option above to tailor the dimensions, color scheme, and styling to match your site. Copy the generated iframe snippet and drop it into your HTML, WordPress editor, or any CMS. There is no cost and no account required. See calculory.com/services/embed-calculators for a step-by-step walkthrough.

AI Assistant

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I can help you understand the stripe fee calculator formula, interpret your results, and answer follow-up questions.

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