Stripe Fee Calculator

Stripe's standard rate is 2.9% + $0.30 per successful card transaction for US businesses. For international cards, an additional 1.5% applies. For manually-entered cards (MOTO), add 0.5% extra. For ACH/bank transfers, the rate is 0.8% capped at $5. Stripe Radar fraud detection can add $0.05 per screened transaction in custom plans.

To receive exactly $X after Stripe fees (2.9% + $0.30), use the formula: charge = (X + 0.30) / (1 - 0.029). For example, to receive $100 net: charge = (100 + 0.30) / 0.971 = $103.40. This ensures the fee is passed through to the customer.

International cards (cards issued outside your country) have an additional 1.5% on top of the standard rate. So for a US merchant with a European card, the total fee is 2.9% + 1.5% + $0.30 = 4.4% + $0.30. This covers Stripe's currency conversion and cross-border processing costs.

Stripe's percentage fees are similar across currencies, but the fixed per-transaction fee varies by currency. For example, EUR transactions are €0.25 fixed, GBP is £0.20, CAD is C$0.30. The percentages (2.9% + international surcharge) remain roughly consistent. Always check Stripe's pricing page for your exact country rates.

Stripe offers custom pricing for high-volume merchants (typically $80K+ monthly processing). Custom rates usually lower the percentage fee — common examples are 2.2-2.5% + $0.20-0.25 per transaction. Contact Stripe's sales team if your monthly volume consistently exceeds $80K.

Beyond the standard processing fee, watch for: disputed charges ($15 per dispute, refunded if you win), payouts to non-US banks (0.25% + $0.10 for Instant Payouts), Stripe Tax (0.5% on transactions where it calculates tax), Connect platform fees if using Stripe Connect, and radar for fraud protection in certain plans.