Stripe Fee
Calculator
Calculate Stripe processing fees instantly. See exactly how much you'll pay and receive for any transaction amount.
United States: 2.9% + $0.30 per transaction
Stripe Fees by Region
| Region | Currency | Rate | Fixed Fee |
|---|---|---|---|
| United States | USD | 2.9% | $0.30 |
| European Union | EUR | 1.5% | €0.25 |
| United Kingdom | GBP | 1.5% | £0.20 |
| Brazil | BRL | 3.99% | R$0.39 |
How It Works
Enter Amount
Type the amount you want to charge or receive from a payment.
Pick Currency
Select your currency to apply the correct regional Stripe fee rates.
See Results
Instantly see the Stripe fee, net amount, and effective fee percentage.
Calculate Stripe fees online for any transaction amount before you charge a customer. ConverterUp's Stripe fee calculator helps freelancers, SaaS founders, and online stores see the processing cost, the net amount they will receive, and the gross amount needed to net a target sum. Enter the amount, pick USD, EUR, GBP, or BRL, and review the breakdown instantly. The calculator uses Stripe's standard domestic card rate for each region; all math runs in your browser, so no transaction or customer information is ever logged.
Stripe pricing tiers: standard, international, currency conversion
Standard card rates are flat per region: 2.9 % + $0.30 in the US for domestic cards, 1.5 % + €0.25 in the EU/EEA for EEA cards, 1.5 % + 20p in the UK for UK cards, and 3.99 % + R$0.39 in Brazil. These tiers cover Visa, Mastercard, and most domestic schemes when the card is issued in the same country as your Stripe account.
International cards (card issued in a different country than your Stripe account) carry an extra 1.5 % surcharge in the US and 1.0 % in most of Europe. A US merchant accepting a French Visa pays 4.4 % + $0.30 instead of 2.9 % + $0.30. This is a real margin killer for SaaS targeting global audiences — model it upfront.
Currency conversion adds another 1 % on top when Stripe converts the charge to your settlement currency. If your account settles in USD and you charge a French customer in EUR, Stripe converts at the wholesale FX rate plus 1 % and applies the international surcharge. The compounded cost on a €100 charge can exceed 5.5 % all-in.
Amex, premium cards, and disputes sit outside the flat rate. Amex adds 0.5 % in the US. Premium and corporate cards add 0.5 % in Europe under interchange-plus pricing. Disputed chargebacks cost $15 per case (refunded if you win). For high-volume merchants, Stripe offers interchange-plus pricing that often saves 10–20 % vs the flat tier.
Reverse calculation: charge X to receive Y net
If you want a freelance invoice to net exactly $1,000 after Stripe takes its cut, you cannot simply add 2.9 % + $0.30 to $1,000 — that overshoots because the fee is calculated on the gross, not the net. The correct formula is gross = (net + fixed_fee) / (1 - percentage_fee). For US standard pricing, that means ($1000 + $0.30) / (1 - 0.029) = $1030.24.
ConverterUp's receive mode applies this formula to the standard card rate of the region you pick. The output is the exact gross amount to put on the invoice or charge button so the deposit lands at your target net. International-card and currency-conversion surcharges are not included — if they apply to you, add them on top.
Real-world use cases: setting freelance invoice amounts so you receive a round number, pricing a digital product so post-fee revenue hits a margin target, calculating refund amounts when a customer asks for partial reimbursement net of fees, and verifying that subscription pricing nets enough to cover hosting plus margin.
A common trap: Stripe's fixed fee ($0.30 in the US) is not refunded on full refunds in most regions since 2022. If a customer pays $20 and refunds, you lose the $0.30 permanently. For micro-transactions under $5, the fixed fee can exceed 6 % effective — small-ticket businesses should batch or set minimums to keep economics viable.
Stripe vs PayPal vs Square: where each wins
Stripe wins on developer experience, API breadth, and global currency support. Pricing is competitive at 2.9 % + $0.30 (US) and best-in-class for SaaS with built-in subscriptions, metered billing, tax calculation (Stripe Tax), and revenue recognition. The trade-off is no in-person POS hardware in most markets and a steeper integration learning curve than the alternatives.
PayPal matches Stripe's headline rate at 2.99 % + $0.49 (US standard) but the fixed fee is higher at $0.49, which hurts on small-ticket sales. PayPal's edge is the consumer-side wallet — buyers trust the PayPal checkout button, especially in eBay/marketplace contexts. Use PayPal as a secondary payment method to capture trust-skeptical buyers, not as primary processing.
Square charges 2.6 % + $0.10 (in-person) and 2.9 % + $0.30 (online) in the US. Its strength is integrated POS hardware (card reader, register, inventory) for restaurants and brick-and-mortar retail. For pure-online SaaS, Square has no real advantage over Stripe.
The 2024 reality: most SaaS and digital businesses run Stripe primary, add PayPal as a secondary checkout option to recover ~5–10 % of buyers who refuse to enter card details, and skip Square unless they have physical retail. Adyen and Braintree are alternatives for high-volume merchants (>$1M/year) where interchange-plus pricing offsets the higher integration cost.
Frequently asked questions
Which Stripe pricing tiers does the calculator cover?
Standard domestic card pricing: 2.9 % + $0.30 in the US, 1.5 % + €0.25 for European cards in the EU, 1.5 % + 20 p in the UK, and 3.99 % + R$0.39 in Brazil. International card, currency conversion and other surcharges are not included — check Stripe's pricing page for your account.
Does it support reverse calculations?
Yes. Switch to receive mode, enter the amount you want to land in your account, and the tool will tell you exactly how much to charge so the net matches your target after fees.
Are subscription or invoice fees included?
No. The calculator covers one-time card payments at the standard rate. Stripe Billing, Invoicing and other add-on fees are charged on top — add them to the result if they apply to your account.
Are my transaction amounts stored anywhere?
No. Calculations happen client-side in your browser. ConverterUp does not log inputs and there is no server endpoint receiving the values you type.
Are Stripe fees refunded when I refund a customer?
No, not since 2022 in most regions. When you issue a full or partial refund, Stripe keeps the percentage fee on the refunded portion and the entire <code>$0.30</code> fixed fee. A $100 charge refunded in full means you are out roughly <code>$3.20</code> permanently. Factor this into return policies and consider charging a small restocking fee on cancellations.
How do I reduce my effective Stripe fee rate?
Three levers: enable <em>Stripe Adaptive Pricing</em> or local currency presentment so foreign buyers pay in their own currency without triggering the 1 % conversion fee on your side, negotiate <strong>interchange-plus</strong> pricing once you process >$80k/month (typically cuts 20–30 bp off flat rates), and route Apple Pay / Google Pay where possible since they sometimes carry lower interchange than raw card entry.