Enter an amount, pick your country, get the exact Stripe fee and net payout — instantly. Supports 32 countries with verified 2026 rates. No account needed.
Instant results — no button, no waiting.
Stripe uses a pay-as-you-go pricing model — you only pay when you successfully process a payment. There are no monthly fees, no setup fees, and no cancellation charges on the standard plan.
Every transaction incurs a fee made up of two parts: a percentage of the transaction amount and a small fixed fee. In the USA the standard rate is 2.9% + $0.30 per successful card charge. For a $100 transaction, Stripe deducts $3.20 and deposits $96.80 into your bank account.
Fees also vary substantially by country. UK businesses pay just 1.5% + £0.20 — nearly half the US percentage rate. Select your country in the calculator above, or choose from the country hub below.
Stripe's fee calculation is straightforward. Here's the formula for domestic and international cards, plus how to reverse-calculate what to charge:
The full Stripe fee calculator handles both directions automatically — enter a charge amount or a target net amount and get instant results.
Standard US rate of 2.9% + $0.30 — domestic card. See UK and Australia pages for local rates.
| Charge Amount | % Component (2.9%) | Fixed Fee ($0.30) | Total Stripe Fee | You Receive | Effective % |
|---|---|---|---|---|---|
| $10.00 | $0.29 | $0.30 | $0.59 | $9.41 | 5.90% |
| $25.00 | $0.73 | $0.30 | $1.03 | $23.97 | 4.12% |
| $50.00 | $1.45 | $0.30 | $1.75 | $48.25 | 3.50% |
| $100.00 | $2.90 | $0.30 | $3.20 | $96.80 | 3.20% |
| $250.00 | $7.25 | $0.30 | $7.55 | $242.45 | 3.02% |
| $500.00 | $14.50 | $0.30 | $14.80 | $485.20 | 2.96% |
| $1,000.00 | $29.00 | $0.30 | $29.30 | $970.70 | 2.93% |
| $5,000.00 | $145.00 | $0.30 | $145.30 | $4,854.70 | 2.91% |
| $10,000.00 | $290.00 | $0.30 | $290.30 | $9,709.70 | 2.90% |
* USA domestic cards only. International cards add 1.5% (total 4.4% + $0.30). Calculate any amount instantly →
See exactly which processor is cheaper for your transaction size and country — with a live side-by-side calculator.
View Full Stripe vs PayPal Comparison →Each country page has verified 2026 rates, local-currency examples, unique FAQs, and country-specific context. Select yours below.
All 32 countries have live calculators, local payment methods, FAQs, and 2026 rates.
Stripe fees are largely fixed, but there are legitimate ways to lower your effective cost — especially at volume.
Stripe's ACH Direct Debit charges just 0.8% with a $5 cap. For US business customers paying invoices over $200, this saves significantly versus the standard 2.9% + $0.30 card rate.
Once you exceed roughly $80,000/month in processing volume, contact Stripe's sales team to negotiate interchange++ or custom blended rates — often 0.2–0.4% lower than standard.
International cards add 1.5% to your fee. Offer local payment methods (SEPA, iDEAL, BACS) in target markets to reduce the proportion of international card transactions.
Stripe isn't always cheapest. PayPal offers competitive rates for consumer goods. For UK businesses, SumUp and iZettle may cost less for in-person payments.
Stripe Billing adds 0.5% to subscription revenue. If building a SaaS product, factor this into your pricing model and use our Stripe fee calculator to model total costs.
Many businesses add a small processing surcharge to invoices. Use the reverse calculator on the full tool page to find exactly what to charge so you receive your target net amount.
Whether you're a freelancer invoicing a client, a SaaS founder building a pricing page, or an e-commerce merchant checking margins — knowing your exact net payout after Stripe's cut is essential for running a profitable business.
This tool calculates fees using Stripe's publicly published standard rates for 32 countries. Results update as you type — no buttons, no delays, no signup required. We also cover Stripe vs PayPal and Stripe vs Wise comparisons for merchants exploring alternatives.
All rates verified January 2026. If you've negotiated custom pricing with Stripe, your actual fees will differ — but this is an excellent baseline for planning and pricing decisions.
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