Stripe Fee Calculator
Estimate Stripe processing fees using the verified US online domestic-card rate or your own percentage and fixed fee.
Quick answer
Stripe Fee Calculator helps estimate the result from your inputs in the browser. Use the output as a planning number, then compare it with your records, provider terms, or official guidance before making a final decision.
US processing-fee estimate. The domestic online-card preset was checked against Stripe's public pricing on August 10, 2026. Country, payment method, card origin, currency conversion, tax products, disputes, and negotiated pricing can add or change fees.
Calculator
Results update as you type
You receive
This is fee arithmetic, not permission to add a surcharge. Use Custom rate for international cards, currency conversion, negotiated pricing, or a non-US account.
Breakdown
Formula
The math behind the result
Estimated fee = charge × percentage + fixed fee
Target-net charge = (target received + fixed fee) ÷ (1 − percentage)
How it works
A clean flow from input to answer
- 1Use the US domestic-card preset only when it matches your account and transaction.
- 2For international cards, currency conversion, another country, or negotiated pricing, copy the combined percentage and fixed amount into Custom rate.
- 3Use target-net mode for planning only. It does not determine whether a surcharge is permitted.
FAQ
Common questions
What does the preset cover?
Stripe's public US pricing lists 2.9% + $0.30 for a successful domestic online card transaction. Other payment methods and services use different prices.
Why are there no international or Amex presets?
The earlier presets implied a universal rate and even contradicted the page text. Actual pricing depends on account country, card origin, conversion, method, and custom terms. Custom input avoids that false precision.
Does gross-up authorize a surcharge?
No. It only solves the fee formula backward. Check applicable law, network rules, Stripe terms, and disclosure requirements before changing what a customer pays.
What is not included?
The estimate excludes refunds, disputes, Radar or other optional products, Connect fees, tax products, currency conversion unless included in your custom rate, and negotiated terms.
Where can I verify pricing?
Use Stripe's official pricing page at stripe.com/pricing and your account contract.
Gross up a payment without overlooking pricing rules
In receive mode, the calculator solves backward because Stripe's percentage applies to the amount charged, not the desired net. Simply adding 2.9% plus a fixed fee leaves a small shortfall. Gross-up divides the desired amount plus the fixed charge by one minus the percentage rate.
Use the rate for the actual country, card, currency, and pricing agreement. International cards, currency conversion, alternative payment methods, disputes, instant payouts, and custom contracts can differ from the displayed default. Verify Stripe's current pricing and your account statement.
Passing processing costs to a customer may be prohibited or restricted by law, card-network rules, contract, or marketplace policy. A gross-up result is arithmetic, not permission to surcharge. Consider transparent all-in pricing or another lawful payment option.
For refunds and disputes, the returned amount and retained fees can alter real economics. Reconcile several live transactions before using the estimate in quotations. Businesses should also separate processor fees from sales tax and revenue in their accounting records.