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Stripe Fee Calculator
Use this free Stripe fee calculator to see exactly what Stripe takes from each card payment and what you actually receive. Enter a charge to see the fee and net, or enter the amount you want to receive and find the charge needed — with editable rates and a live chart.
| Figure | Value |
|---|---|
| Charge amount | $100.00 |
| Stripe fee | $3.20 |
| Net received | $96.80 |
| Fee as share of charge | 3.20% |
How it works
Stripe is a payment processor used by millions of online stores, freelancers, and small businesses to accept card payments. Every time a customer pays by card, Stripe takes a fee from the charge before the money reaches the seller. The fee has two parts: a percentage of the charge and a small fixed amount per successful charge. Knowing both parts matters, because the fixed part makes small charges proportionally more expensive than large ones.
The defaults in this calculator are Stripe's standard pricing for online card payments in the United States: 2.9% + $0.30 per successful charge, as listed in 2026. That is the rate most small sellers start on. Both numbers are editable, and they should be edited whenever your own account differs — Stripe's pricing varies by country, by payment method, and by the plan a larger business negotiates. International cards, currency conversion, and some payment methods such as digital wallets can carry different rates, so the figure on your own Stripe dashboard is always the one to trust over a default.
In forward mode, the calculator starts from the amount you charge the customer and works out what you keep. The fee is charge × percentage + fixed fee, and the net received is the charge minus the fee. On a $100 charge at 2.9% + $0.30, the percentage part is $2.90, the fixed part is $0.30, the total fee is $3.20, and you receive $96.80. The fee is 3.20% of the charge — slightly more than 2.9%, because the $0.30 fixed fee adds a little extra on top.
In reverse mode, the calculator starts from the amount you want to receive and works out what to charge. This is the mode freelancers and sellers use when they want the customer to cover the processing cost, so that a $100 invoice still leaves $100 in their account after the fee. The formula is charge = (desired net + fixed fee) ÷ (1 − percentage). To receive $100 net at 2.9% + $0.30, the charge must be $103.30. Charging $103.00 would not be enough, because the fee is calculated on the larger charge, not on the $100 you want to keep — a detail that trips up many first-time calculations.
The fixed fee is why tiny charges are so costly in percentage terms. On a $10 charge at 2.9% + $0.30, the fee is $0.59, which is 5.9% of the charge — nearly double the headline rate. On a $1,000 charge, the same fee is $29.30, or 2.93% — barely above the headline rate. Sellers with many small transactions sometimes set a minimum order value or bundle items together for exactly this reason. The chart beside the calculator shows the fee next to the net received, so the split is visible at a glance for any amount you type in.
Worked example
A freelancer invoices a client for $100 and is paid through Stripe at the standard 2.9% + $0.30 rate.
Step 1: The percentage part of the fee is $100 × 2.9% = $2.90.
Step 2: Add the fixed fee of $0.30, giving a total fee of $2.90 + $0.30 = $3.20.
Step 3: The net received is $100 − $3.20 = $96.80.
Step 4: In reverse, to receive exactly $100, the charge must be ($100 + $0.30) ÷ (1 − 0.029) = $100.30 ÷ 0.971 = $103.30.
The result: a $100 charge leaves $96.80 after a $3.20 fee, and receiving $100 net requires a charge of $103.30. A second check: a $50 charge gives a fee of $50 × 2.9% + $0.30 = $1.75, leaving $48.25 — the fee is 3.50% of the charge, showing how the fixed $0.30 weighs more heavily on small payments.
FAQ
What is Stripe's standard fee?
For online card payments in the United States, Stripe's standard pricing is 2.9% + $0.30 per successful charge, as listed in 2026. Pricing varies by country and payment method, and larger businesses may negotiate different rates, so check your own Stripe dashboard for the rate on your account.
How much does Stripe take from a $100 payment?
At the standard 2.9% + $0.30 rate, Stripe takes $3.20 from a $100 charge — $2.90 from the percentage plus the $0.30 fixed fee — leaving $96.80. The fee is 3.20% of the charge, slightly above the 2.9% headline rate because of the fixed part.
How do I charge the customer so I receive the full amount?
Use the reverse mode in this calculator. Enter the amount you want to receive, and it works out the charge needed — $103.30 to receive $100 at 2.9% + $0.30. Simply adding the fee to your price is not quite enough, because the fee is charged on the larger total.
Why is the fee a bigger percentage on small payments?
Because of the fixed $0.30 per charge. On a $10 payment the fixed part alone is 3% of the charge, so the total fee is 5.9%. On a $1,000 payment the same $0.30 is only 0.03%, so the total fee is 2.93%. The percentage part stays the same; the fixed part shrinks in relative terms as the charge grows.
Does Stripe charge a fee on refunds?
Stripe does not charge an extra fee to process a refund, but the original processing fee is not returned — the seller keeps the fee cost even though the customer gets their money back. That is worth remembering when pricing returns or cancellations into your margins.