How it works
How to calculate Stripe fees
Enter the transaction amount
Type in the amount your customer is paying. Pick your region because rates differ. US is 2.9% + $0.30, EU is 1.5% + 0.25 EUR, UK is 1.4% + 0.20 GBP.
Add any extras that apply
International cards add another 1.5% on top. Currency conversion tacks on 1% more. If you accept Amex or certain corporate cards, the rate can be higher too.
See your net payout
The calculator shows you the exact fee Stripe takes and what you keep. Run it for a few different price points to see where the fixed $0.30 per-transaction fee really hurts.
How to keep more of each sale
Stripe fees are not fully fixed. There are real things you can do to reduce what you pay.
Raise your average order value
The $0.30 fixed fee is the killer on small transactions. A $5 sale loses 8.7% to fees. A $100 sale loses 3.2%. Bundles, upsells, and minimum order thresholds all help.
Charge in your settlement currency
Every time Stripe converts currency, you lose 1%. If you sell globally, consider having Stripe accounts in multiple regions to avoid conversion fees.
Negotiate when you hit volume
Once you pass about $80K to $100K per month, reach out to Stripe sales. A 0.5% reduction on $1M in annual revenue saves you $5,000. That is worth an email.
Reduce chargebacks and disputes
Stripe charges $15 per dispute regardless of outcome. If you get 20 disputes a month, that is $300 on top of your normal fees. Good product descriptions and fast support cut disputes fast.
Use Stripe Billing for subscriptions
Stripe Billing adds 0.5% to 0.8% but it handles invoicing, retry logic, and dunning. If failed payments cost you more than that in churn, it pays for itself.
Compare against your actual statements
This calculator uses published rates. Your real effective rate might differ because of card mix, international share, and any negotiated pricing. Check your Stripe dashboard under the Fees section.
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Questions, answered
It depends on your region. In the US, it is 2.9% + $0.30 per successful charge. In the EU, it is 1.5% + 0.25 EUR. In the UK, it is 1.4% + 0.20 GBP. International cards and currency conversion add extra percentage fees on top of those base rates.
Because it is the same whether you charge $5 or $500. On a $5 transaction, that $0.30 alone is 6% of the sale. On a $500 transaction, it is 0.06%. This is why low-ticket sellers get hit harder by Stripe fees and should focus on increasing average order value.
Any card issued in a country different from where your Stripe account is based. If you have a US Stripe account and a customer pays with a card issued by a Canadian bank, that is international. It adds 1.5% to your base rate. Stripe determines this by the card issuer, not the customer billing address.
Technically you can add a surcharge, but it is restricted in some regions and card networks. Visa and Mastercard have specific rules about surcharging. Many merchants build the fee into their pricing instead, which is simpler and avoids customer pushback.
Stripe does not charge a separate refund fee, but it does not return the original processing fee either. So if you processed a $100 charge and paid $3.20 in fees, you refund $100 to the customer but you do not get that $3.20 back. That is just gone.
You need to process enough volume, usually $80K to $100K per month or more. Contact Stripe sales directly and ask for custom pricing. They will look at your chargeback rate, average transaction size, and card mix. Merchants with high volume and low disputes get the best deals.
For most online businesses, they are very close. PayPal charges 2.99% + $0.49 for standard processing in the US, which is more expensive than Stripe on most transactions. But PayPal has better buyer recognition in some markets. The real answer depends on your transaction size and customer base.
No. This calculator covers standard processing fees only. Stripe Tax adds 0.5% per transaction where tax is calculated. Stripe Radar for fraud protection is $0.05 or $0.07 per screened transaction depending on your plan. Add those separately if you use them.
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