FREE PAYMENTS TOOL
Stripe Fee Calculator
Estimate processing fees and the amount you keep.
YOUR RATES. A CLEARER ESTIMATE.
Calculate your payment fees
Estimate only, using a percentage plus a fixed fee and two-decimal currencies. Additional charges, taxes, discounts, minimum charges, currency conversion, and account-specific rounding are not modeled. Not affiliated with Stripe.
THE BASICS
What is a Stripe fee calculator?
A Stripe fee calculator estimates the processing fee and seller proceeds for a payment. Use forward mode when you know what a customer will pay, or reverse mode when you know how much you want to receive after fees.
How Stripe fees are calculated
This calculator models one percentage fee plus one fixed fee per transaction. It uses the rates you enter, rather than assuming every payment has the same pricing.
Pricing varies by country, card origin, payment type, currency conversion, and account agreement. The default 2.9% + 0.30 is an illustration. Check Stripe's current pricing for your region (opens in a new tab) and update the inputs before relying on an estimate.
Stripe fee formula
Stripe fee = round(customer payment × percentage fee ÷ 100, 2) + fixed feeSeller receives = customer payment − Stripe feeEffective fee (%) = Stripe fee ÷ customer payment × 100The percentage fee is rounded half up to the nearest cent. The effective percentage is shown to two decimal places. A zero amount models no transaction and returns zero fees.
Example calculation
For an illustrative $100.00 payment at 2.9% plus $0.30, the fee is $3.20 and the seller receives $96.80. To receive $100.00 with those same assumptions, the customer pays $103.30.
| Result | Customer pays $100.00 | Seller wants $100.00 |
|---|---|---|
| Customer pays | $100.00 | $103.30 |
| Stripe fee | $3.20 | $3.30 |
| Seller receives | $96.80 | $100.00 |
| Effective fee | 3.20% | 3.19% |
How reverse Stripe fee calculations work
Unrounded customer payment = (target seller proceeds + fixed fee) ÷ (1 − percentage fee ÷ 100)Simply adding the fee to the target is insufficient: the percentage also applies to the extra amount charged. Reverse mode solves for the gross payment, then selects the smallest cent amount that meets the target after the modeled fee is rounded.
For a $100.00 target using 2.9% + $0.30, a $103.30 payment produces a $3.30 fee and $100.00 in seller proceeds. A fee rate of 100% or more cannot produce a positive net target in this model.
COMMON QUESTIONS
Common questions
Does 2.9% + 0.30 apply to every Stripe payment?
No. These are editable example assumptions, not a global rate. Stripe pricing varies by account country, card origin, payment method, and pricing plan. Verify current pricing for your region and use your applicable fees.
Does changing the currency change the Stripe fee rate?
No. Currency selection changes formatting only. The amount and fixed fee use the selected currency; you must enter the percentage and fixed fee that apply to your account. This tool supports currencies with two decimal places.
Why is the effective percentage higher than my percentage fee?
The effective fee includes the fixed per-transaction fee. Dividing the full fee by the customer payment makes the fixed fee more noticeable on smaller payments.
How are amounts rounded?
Money is calculated in integer hundredths. The percentage fee is rounded half up to the nearest cent before adding the fixed fee. Reverse mode finds the smallest cent amount that reaches the requested net amount under this model. Actual account rounding may differ.
Are international cards, currency conversion, and other Stripe products included?
Only the percentage and fixed fee you enter are included. Additional fees for international cards, currency conversion, Stripe Billing, disputes, refunds, taxes, or other products are not calculated separately.
What happens for a zero or very small amount?
Zero models no transaction, so all results are zero. A positive payment smaller than the estimated fee can show negative seller proceeds. That is a mathematical shortfall, not a prediction that Stripe accepts the charge; minimum charge requirements are not modeled.
Is the reverse calculation permission to pass fees to customers?
No. It is a mathematical estimate of the gross payment needed for a target net amount. It does not determine whether any fee-passing arrangement is permitted or appropriate for your transaction.