How this Stripe fee calculator works
This Stripe fee calculator applies a percentage plus a fixed fee to each successful card charge. The defaults come from Stripe's US pricing page, which as of October 2026 lists 2.9% + 30¢ per successful transaction for domestic cards, with an extra 0.5% for manually entered cards, 1.5% for international cards, and 1% if currency conversion is required. Every rate is editable, so you can enter your own country's rates or a negotiated price.
Fee = charge × (card % + international % + conversion %) + fixed feeNet received = charge − feeEffective rate = fee ÷ charge
If you key card numbers in manually (for example, phone orders), add the manual-entry surcharge to the card rate field.
How much to charge to receive a set amount
To pass fees through or hit an exact payout, gross the price up rather than adding the percentage to it:
Charge = (target amount + fixed fee) ÷ (1 − total percentage)
Example at the default domestic rate: to receive $100, charge ($100 + $0.30) ÷ 0.971 = $103.2955, rounded up to $103.30. Stripe's fee on $103.30 is about $3.30, leaving $100.00. Check local card-network rules and consumer law before adding a surcharge to customer invoices.
Worked examples
- $10 domestic charge: $10 × 2.9% + $0.30 = $0.59 fee, an effective rate of 5.9%.
- $100 domestic charge: $2.90 + $0.30 = $3.20 fee, an effective rate of 3.2%.
- $50 international card needing conversion: 2.9% + 1.5% + 1% = 5.4%, so $2.70 + $0.30 = $3.00 fee.
The fixed fee dominates small charges. Low-priced plans, tips, and micro-payments lose a much larger share to fees than the headline percentage suggests, which is one reason many products offer annual billing.
Common mistakes when estimating Stripe fees
- Forgetting the fixed fee, which matters most on small transactions.
- Assuming every card is domestic. A card issued abroad adds the international surcharge.
- Ignoring add-on products. Stripe Billing, Tax, and Radar are priced separately on the same pricing page.
- Comparing providers on the percentage alone. A merchant of record also handles sales tax and VAT, so compare total cost, not headline rates. The payment processing fee calculator compares several providers side by side.
For a deeper walkthrough, read the Stripe fees guide. RevenueBug's headline revenue figure is measured before provider fees; see the methodology for details.