Calculate Stripe payment processing fees instantly. Get accurate estimates
for transaction fees, currency conversion charges,
and your net amount across 6 countries.
Note: All calculations are based on current Stripe fee structures as of .
Currency: Fees are calculated in the selected country's local currency. Currency conversion fees (1%) apply when payment method currency differs from country currency.
Enter an amount to see the fee breakdown
A Stripe fee calculator is a specialized tool designed to help businesses and freelancers accurately calculate payment processing fees charged by Stripe for online transactions.
When you process payments through Stripe, the platform charges a percentage-based fee plus a fixed amount per transaction. Our calculator takes into account:
Our calculator uses official Stripe pricing data to give you accurate fee calculations in real-time
Everything you need to manage Stripe payment fees effectively
Complete breakdown of Stripe fees across different countries and payment methods
How Stripe fees compare to other popular payment processors
Expert insights to help you minimize payment processing costs
For US businesses, ACH Direct Debit is capped at $5, making it ideal for transactions over $625. A $5,000 invoice costs $5 via ACH versus $145.30 via credit card.
Many jurisdictions allow surcharging for credit card payments. Use our reverse calculator to determine the exact amount to charge. Always check local regulations first.
International card fees add 1.5% to your costs. If possible, encourage customers to use domestic payment methods or set up local entities in major markets.
Stripe keeps the $0.30 fixed fee on refunds. For borderline customer service issues, consider offering partial refunds or credits instead of full refunds to minimize fee losses.
The $0.30 fixed fee is proportionally expensive on small transactions. For $5 transactions, fees represent 8.9% of the total. Consider minimum order amounts or bundling products.
Once you hit $1M+ in annual processing, contact Stripe for custom pricing. High-volume businesses often secure 0.1-0.3% rate reductions.
The 1% instant payout fee can add up quickly. Standard payouts (2 business days) are free and should be your default option unless you have urgent cash flow needs.
📌 Important: Fee structures vary by industry. Some high-risk industries (gambling, adult content, cryptocurrency) may face higher rates or require specialized payment processors. Always verify Stripe supports your specific business model before integration.
Stripe’s standard fee for online transactions in the United States is 2.9% + $0.30 per successful charge. However, fees vary by country. For example, EU and UK businesses pay 1.4% + €0.25/£0.20, while Australian businesses pay 1.75% + A$0.30. International cards incur an additional 1.5% fee, and currency conversion adds another 1% charge.
Stripe is transparent about its pricing with no hidden fees, monthly fees, or setup costs for standard accounts. Additional charges only apply for specific services like instant payouts (1% fee), disputed charges ($15 per chargeback), and international or currency conversion transactions. The fees you see in our calculator represent the actual costs you’ll pay.
Use our reverse calculator mode by selecting “Calculate amount to charge” option. Enter your desired net amount (the money you want to receive), and our calculator will automatically determine how much you need to charge your customer to account for Stripe fees. For example, to receive $100 net in the US, you’d need to charge approximately $103.29.
ACH Direct Debit is significantly cheaper than credit card processing. Stripe charges 0.8% per ACH transaction with a $5 maximum fee, compared to 2.9% + $0.30 for credit cards. For a $1,000 transaction, ACH costs $5 (capped), while a credit card would cost $29.30. However, ACH is only available for US bank accounts and takes 5-7 business days to process.
When you issue a refund through Stripe, the percentage-based fee is returned to you, but the fixed fee component is not refunded. For example, if you charged $100 (with a $3.20 fee) and issue a full refund, Stripe returns $2.90 but keeps the $0.30 fixed fee. This applies to all regions and payment methods.
Stripe charges a 1% fee for currency conversion when you accept a payment in a currency different from your account’s default currency. This is in addition to standard processing fees. For example, if you’re a US-based business accepting payments in EUR, you’ll pay 2.9% + $0.30 + 1% currency conversion fee.
Stripe currently operates in 47+ countries worldwide. Our calculator supports the six most popular regions: United States, European Union (all 27 member states), United Kingdom, Canada, Australia, and Singapore. Each region has its own fee structure based on local market conditions and regulations.
Stripe is generally more cost-effective than PayPal for most online businesses. Stripe charges 2.9% + $0.30 in the US, while PayPal charges 2.99% + $0.49 for standard transactions. Over 1,000 transactions of $100 each, Stripe would cost $3,200 while PayPal would cost $3,480 – a difference of $280. Additionally, Stripe offers lower international and currency conversion fees.
