Stripe Fee CalculatorSee the Exact Fee and Net Payout for Any Amount
Enter a transaction amount to instantly calculate the Stripe processing fee, your net payout, and the effective fee percentage. Works for all supported currencies and regions.
Calculate Your Stripe Fee
Understanding the Stripe Fee Formula
Every Stripe transaction follows the same formula: amount x percentage rate + fixed fee. In the US, that means 2.9% + $0.30 per successful charge.
This two-part structure is important because it means the effective fee rate changes based on the transaction size. The fixed $0.30 is the same whether you charge $5 or $5,000 — so it takes a much larger bite out of small payments.
Here are worked examples at common US transaction amounts:
| Amount | Stripe Fee | You Receive | Effective Rate |
|---|---|---|---|
| $5.00 | $0.45 | $4.55 | 9% |
| $25.00 | $1.03 | $23.97 | 4.12% |
| $50.00 | $1.75 | $48.25 | 3.5% |
| $100.00 | $3.20 | $96.80 | 3.2% |
| $250.00 | $7.55 | $242.45 | 3.02% |
| $500.00 | $14.80 | $485.20 | 2.96% |
Why the Effective Fee Rate Matters More Than the Headline Rate
Stripe advertises “2.9% + $0.30” but no merchant actually pays exactly 2.9%. The effective rate — your total fee divided by the transaction amount — is the number that impacts your margins.
For subscription businesses charging $9.99/month, the effective Stripe fee is 5.91%, not 2.9%. That difference matters at scale: on 10,000 monthly subscribers, you'd pay $5,900 in fees instead of the $2,897.1 you might expect from the headline rate.
If your average transaction is under $15, the fixed fee component dominates. Consider strategies like setting minimum order values, bundling small purchases, or exploring processors with lower fixed fees for micro-transactions.
Stripe Fees Beyond Standard Card Processing
The 2.9% + $0.30 rate covers domestic online card payments — the most common transaction type. But Stripe has additional fees for specific scenarios that can catch merchants off guard:
- International cards: +1.5% on top of the base rate, adding up to 4.4% + $0.30 for a US merchant accepting a foreign card
- Currency conversion: an additional +1% when Stripe converts currencies on your behalf
- Disputes: $15 per chargeback, refunded only if you win the dispute
- Instant payouts: 1% of the payout amount (minimum $0.50) to receive funds immediately instead of the standard 2-day schedule
How Does Stripe Compare to PayPal?
See a side-by-side fee comparison for your transaction amount.
Frequently Asked Questions
How do I calculate the Stripe fee on a specific amount?
Multiply the transaction amount by the percentage rate (e.g. 2.9% in the US), then add the fixed fee ($0.30). For a $50 payment: $50 x 0.029 + $0.30 = $1.75. Our calculator does this automatically for any amount and currency.
What is the effective fee rate on Stripe?
The effective fee rate is the total fee expressed as a single percentage of the transaction. Because Stripe charges a fixed $0.30 per transaction on top of the percentage, the effective rate is always higher than 2.9% — especially for small amounts. A $10 payment has a 5.9% effective rate.
Does the $0.30 fixed fee change by currency?
Yes. The fixed fee varies by region: $0.30 in the US, €0.25 in the EU, 20p in the UK, A$0.30 in Australia, and S$0.50 in Singapore. Select your currency in the calculator to see the exact fixed fee for your region.
Are Stripe fees different for debit cards vs credit cards?
In the US, Stripe charges the same 2.9% + $0.30 for both debit and credit cards on standard accounts. However, Stripe offers Interchange Plus pricing for large-volume merchants where debit card transactions can be cheaper due to lower interchange rates.
Does Stripe charge fees on failed transactions?
No. Stripe only charges fees on successful charges. Declined cards, authentication failures, and other failed attempts are not billed. However, disputes (chargebacks) incur a $15 fee regardless of the outcome.
How much does Stripe take from a $100 payment?
On a $100 US domestic card payment, Stripe charges $3.20 in fees (2.9% + $0.30). You receive $96.80. The effective fee rate is 3.2%.
Can I pass Stripe fees to my customers?
In many jurisdictions, yes — this is called surcharging. Stripe provides a surcharging feature in supported countries. However, surcharging is prohibited or restricted in some US states and in the EU. Check local regulations before implementing surcharges.
How does Stripe compare to Square on fees?
Square charges 2.6% + $0.10 for in-person payments and 2.9% + $0.30 for online payments — matching Stripe's online rate. The key difference is Square's lower in-person rate. For online-only businesses, the fees are identical.
Assumptions & methodology
- All rates shown are standard published domestic card rates for online payments.
- International card surcharges (+1–2%) and currency conversion fees are not included.
- Actual fees may differ based on negotiated volume discounts, business type, or plan.
- We are not affiliated with Stripe, PayPal, or any payment processor.
- Always verify current rates on the official Stripe and PayPal pricing pages.
Last updated: February 15, 2026