Stripe fee calculator
The fee on a charge, the amount to charge in order to receive what you want, and what a month of orders costs you. Pick the payment method, add the surcharges that apply, and read the breakdown line by line.
Verified August 21, 2026
What Stripe takes
$3.20
Stripe fee on a $100.00 charge
Stripe takes $3.20 of this charge and pays out $96.80.
- 2.9% of $100.00
- $2.90
- Manually entered card, 0.5%
- $0.50
- International card, 1.5%
- $1.50
- Currency conversion, 1%
- $1.00
- Fixed fee
- $0.30
- Total Stripe fee
- $3.20
- You receive
- $96.80
- All-in rate
- 3.20%
- Fees over a year
- $12,240.00
Processing only. Disputes, refunds and Instant Payouts are charged separately and are set out further down the page.
How Stripe fees are calculated
Two parts, every time. Stripe's transaction fee is a percentage of the charge, plus a fixed amount that does not care how big the charge is. That is how much Stripe charges per transaction on US standard pricing: an online card charge costs 2.9% plus 30 cents per successful transaction, so a $100 order costs $3.20 and pays out $96.80. Everything else on the rate card moves one of those two numbers, which is why Stripe processing fees are easier to price once you keep them on separate lines.
fee = charge × rate + fixed fee
100.00 × 0.029 + 0.30 = 3.20
100.00 − 3.20 = 96.80
$96.80
Lands in your balance
$2.90
2.9% of the charge
$0.30
Fixed fee, any size
One $100.00 charge on a standard US online card, drawn to scale.
Three surcharges stack on top of the percentage rather than replacing it. A manually entered card adds 0.5%, a card issued outside the US adds 1.5%, and converting the charge into another currency adds 1%. They combine: a manually entered international card runs at 2.9% plus 0.5% plus 1.5%, which is 4.9% plus 30 cents, so $5.20 on that same $100 order.
Take the payment another way and both halves change. In person the rate is 2.7% plus 5 cents, and Tap to Pay adds $0.10 per authorization, which is a separate charge from the optional 5 cent point-to-point encryption fee. ACH Direct Debit is 0.8% with a $5.00 cap, so it behaves unlike everything else on this list: above $625 the fee stops growing, and a $2,000 invoice paid by bank debit costs the same $5.00 as a $5,000 one. Klarna is priced separately again, at 5.99% plus 30 cents.
What to charge to receive a set amount
The obvious move is wrong. To land $100 you add 2.9% and 30 cents and bill $103.20, and you receive $99.91. Stripe takes 2.9% of the amount you actually charged, which is now bigger than the amount you were pricing against, so the surcharge you added never covers itself.
charge = (amount you want + fixed fee) ÷ (1 − rate)
(100.00 + 0.30) ÷ (1 − 0.029) = 103.30
103.30 − 3.30 = 100.00
$103.30 nets exactly $100.00. The difference against the naive answer is ten cents on this order, which is easy to shrug at and hard to justify once it repeats on every invoice you send. Round the result up to the cent rather than to the nearest one, because rounding down leaves you a cent short of the number you were trying to hit.
$103.20
You charge
$3.29
Stripe fee
$99.91
You receive
Add 2.9% and 30 cents to the amount you want
$103.30
You charge
$3.30
Stripe fee
$100.00
You receive
Divide by what is left after the rate
The same formula holds with the surcharges in it. Add them into the rate first: an international card is 4.4% rather than 2.9%, so (100.00 + 0.30) divided by 0.956 is $104.92. The mode above does this for whichever method and surcharges you pick.
Most stores are better off pricing the fee into the product than adding it at checkout, and that decision belongs with your margin rather than with your payment settings. The ROAS calculator takes the per-order fee as one of its cost lines and tells you what your contribution margin and your break-even ROAS become once it is in there. The figures underneath it have tools of their own too: the COGS calculator for what the goods cost you, the AOV calculator for what an average order is worth after this fee comes out, and the CAC calculator for what you paid to win the customer who placed it.
The 30 cent floor on small orders
Stripe fees are high on small orders and close to the headline rate on large ones. One published rate, and every merchant on it pays something different. A $10 order pays 5.9% all-in, a $1,000 order pays 2.93%, and the rate card was identical in both cases. The 30 cents is the same on both, so it is a bigger share of the small one.
5.90%
$10
4.12%
$25
3.50%
$50
3.20%
$100
3.02%
$250
2.96%
$500
2.93%
$1,000
Order size along the bottom, the all-in rate above it. The dashed line is 2.9%.
Read the shape. The curve falls fast up to about $50, then flattens, and it never reaches 2.9% because the 30 cents never goes away. Below $25 an order it steepens hard, which is why a store selling $8 accessories one at a time is running a payments cost that would look like a pricing error to a store selling $200 kits.
Your blended rate is a weighted average across your real order mix, so anything that lifts average order value pulls it down. Bundles, minimum order thresholds and free shipping over a number all move that average, and they move your payments cost with it. Run your own mix through the monthly volume mode above rather than assuming the headline 2.9% is what you paid last month.
Fees Stripe charges beyond processing
Disputes are the expensive one, and the pricing changed in June 2025. There are now two separate $15.00 fees. The dispute received fee is charged on every dispute, and Stripe's documentation states that unless otherwise stated in your Stripe contract, it never returns the dispute received fee. The dispute countered fee is a second $15.00, charged when you respond manually, and it is returned only if you win. Calculators that still say "$15, refunded if you win" are describing pricing that no longer exists.
Stripe also sells Smart Disputes, priced at 30% of the disputed amount and charged only on disputes it wins. The dispute received fee still applies underneath it.
Refunds are cheaper and still not free. Refunding a card payment costs nothing on its own, but the processing fee from the original transaction is not returned, along with the Connect and currency conversion fees. Refund a $100 order and you are out the $100 plus the $3.20 you already paid to collect it. Bank transfer refunds may carry a fee on standard pricing, so check your own account rather than assuming they match card refunds.
Getting paid is free on the standard schedule. Instant Payouts cost 1.5% of the volume paid out, with a 50 cent minimum. Standard pricing carries no setup fee, no monthly fee and no hidden fees, and Stripe offers custom pricing for large volume without publishing the threshold that qualifies you for it. Products bolted on top are priced separately: Stripe Billing is 0.7% of Billing volume on pay-as-you-go, which excludes one-off invoices, and Invoicing Starter is 0.4% per paid invoice with no cap on that percentage.
What a dispute actually costs
Work it on a $40 order. Collecting it cost $1.46, so you netted $38.54. A dispute arrives, and Stripe withdraws $55.00 from your balance: the $40.00 going back to the cardholder plus the $15.00 dispute received fee. The $1.46 you already paid stays paid, so the order that put $38.54 in your account has now cost you $56.46 in total.
collected 40.00 − 1.46 = 38.54 net
withdrawn 40.00 + 15.00 = 55.00
55.00 + 1.46 kept = 56.46 total cost
Fight it and you add the $15.00 dispute countered fee, which comes back only if you win. So the cheap outcome on a $40 order is losing quietly, which is exactly the incentive a store owner hates being handed.
Some of these arrive on charges that really were yours. A customer buys from you, later finds the same photographs on a marketplace listing at a third of the price, and concludes the parcel on their kitchen table is the fake one. That dispute is expensive to lose and expensive to win, and no payments setting prevents it, because the cause is a listing on somebody else's storefront.
Knockoff checks your product photographs against listings on Amazon, Temu, eBay, Etsy, AliExpress, Walmart and the open web, and every confirmed one arrives as a finished case with the proof attached. See what goes into a case, or scan your store for free and find out how many exist today.
Common questions about Stripe fees
How much is the Stripe fee for $100?
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$3.20 on a standard US online card charge, which is 2.9% of $100 plus 30 cents, and you receive $96.80. The same $100 costs $3.70 on a manually entered card, $4.70 on an international card, $2.75 taken in person, and 80 cents by ACH Direct Debit.
How much does Stripe charge as a fee?
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US standard pricing is 2.9% plus 30 cents per successful online card charge, 2.7% plus 5 cents in person, and 0.8% capped at $5 for ACH Direct Debit. Manually entered cards add 0.5%, international cards add 1.5%, and currency conversion adds 1%. There is no setup fee and no monthly fee.
How to calculate Stripe fees?
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Multiply the charge by the percentage rate, add the fixed fee, and round to the cent. A $250 online card charge is 2.9% of $250, which is $7.25, plus 30 cents, so $7.55 of fee and $242.45 received. Stack the surcharges into the percentage first if the card is manually entered, international, or paid in another currency.
Are Stripe fees too high?
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For most stores, no, unless your average order is small. A $10 order pays 5.9% all-in and a $1,000 order pays 2.93%, on the same published rate, because the 30 cents is fixed and the percentage is not. Stripe does offer custom pricing for large volume, without publishing a threshold to qualify.
Sources
- stripe.com/pricing, US standard pricing, for the 2.9% plus 30 cent online card rate, the 0.5% manually entered surcharge, the 1.5% international surcharge, the 1% currency conversion surcharge, the 2.7% plus 5 cent in-person rate, the $0.10 Tap to Pay authorization, the 0.8% ACH Direct Debit rate and its $5.00 cap, the 5.99% plus 30 cent Klarna rate, both $15.00 dispute fees, Smart Disputes at 30% of the disputed amount, Instant Payouts at 1.5% with a 50 cent minimum, Stripe Billing at 0.7%, Invoicing Starter at 0.4%, the absence of setup and monthly fees, and the existence of custom pricing for large volume
- docs.stripe.com, responding to disputes, for the statement that unless otherwise stated in your Stripe contract, Stripe never returns the dispute received fee
- Stripe support, June 2025 pricing updates for disputes, for the split into a dispute received fee and a dispute countered fee
- docs.stripe.com, supported currencies, for the 0.50 USD minimum charge amount, which Stripe enforces so that the fee cannot exceed the charge
- docs.stripe.com, refunds, for card refunds being free while the original processing fee is not returned
Every rate on this page was read from Stripe's published US standard pricing and verified August 21, 2026. Negotiated contract rates differ, and this calculator has no way to know yours.
