Stripe fee calculator

Enter the amount you're charging and see Stripe's fee and what you keep. Switch the mode to find what to charge for an exact payout.

The total you charge the customer, including any shipping or tax.

Adds 1.5%.

Adds 1% when the charge currency differs from your payout currency.

  1. Customer pays$100.00
  2. Stripe fee (2.9% + $0.30)-$3.20
  3. Effective rateTotal fee as a share of the charge3.20%
You keep $96.80

Stripe (US) rates effective 1 Jan 2024, checked 13 Sep 2026. Source.

Standard US pricing; custom and volume pricing differ.

Last updated 13 Sep 2026.

How to use it

  1. Enter the amount the customer pays, including any tax or shipping you charge.
  2. Pick card or ACH. Most online sales are card payments.
  3. Turn on the international toggle for cards issued outside the US, and the conversion toggle if you charge in a different currency than you're paid out in.
  4. Read what you keep, or switch the mode to see what to charge to net an exact amount.

Worked example

A customer pays $100.00 by a US card.

$100.00 × 2.9% = $2.90, plus $0.30 = $3.20 in fees. You keep $96.80, an effective rate of 3.20%.

The same charge on a UK-issued card with conversion: $100.00 × (2.9% + 1.5% + 1%) = $5.40, plus $0.30 = $5.70. You keep $94.30.

How it's calculated

Card: fee = amount × (2.9% + surcharges) + $0.30

ACH: fee = amount × 0.8%, capped at $5.00

net = amount − fee

International cards add 1.5% and currency conversion adds 1%, both on top of the base 2.9%. Stripe rounds each fee to the nearest cent. Reverse mode solves for the charge: charge = (target + $0.30) ÷ (1 − rate), rounded up to the next cent.

FAQ

Does Stripe charge on the full amount including tax and shipping?

Yes. The percentage applies to the whole charge, so tax and shipping you collect through Stripe are included in the fee base.

How do I charge so I receive an exact amount?

Switch the mode to "What I want to keep after fees". To keep $100 on a domestic card you'd charge $103.40. Passing the fee on to customers is allowed in most US states, but check the card networks' surcharge rules first.

Why is ACH so much cheaper?

ACH pulls straight from a bank account, so there's no card network fee. Stripe charges 0.8% capped at $5, which makes it the cheapest option for anything over about $625. It settles more slowly than cards, usually in 4 to 5 business days.

Are refunds free?

Stripe returns the customer's money but keeps the original processing fee, so a refunded $100 card sale still costs you $3.20. Disputes add a separate $15 fee that's returned if you win.

Does this cover Stripe's custom pricing?

No. These are Stripe's standard pay-as-you-go US rates. Businesses on negotiated or interchange-plus pricing should use their contract rates.