Free Stripe Fee Calculator
Calculate exact Stripe processing fees for any transaction. Supports international cards, currency conversion, and manual entry fees.
Enter a transaction amount to see fee breakdown
Standard rate: 2.9% + $0.30 per successful card charge
International cards: Add 1.5% for cards issued outside the US
Currency conversion: Add 1% when charging in a non-card currency
Manual entry: Add 0.5% for cards entered manually (not swiped/tapped)
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Use these plain-language answers to understand what the result includes, when each fee option applies, and how to use the net amount in your billing workflow.
Enter a payment amount to estimate the processing fee, the net amount you receive, and the effective percentage charged. Optional switches account for international cards, currency conversion, and manually entered card details.
A processing-fee estimate combines the percentage rate with Stripe's fixed per-transaction charge. Because of that fixed charge, smaller payments usually have a higher effective rate than larger payments.
Run the expected invoice amount through the calculator before you send it. The result shows how much of the payment remains after the selected processing costs so you can evaluate the payment method without changing the invoice math.
Use this online calculator as a planning estimate for US Stripe card payments. Your actual account pricing, card mix, disputes, refunds, tax products, or negotiated rates can change the final amount.
Turn on the international-card option when the card was issued outside the United States. Add currency conversion only when the charge currency differs from the card currency, so the two adjustments are not confused.
The merchant-fee result is an estimate, not a Stripe statement. Reconcile the final payout against your Stripe dashboard and use the net figure here to plan cash flow or compare payment methods.
Where a Stripe fee estimate helps
The same processing rate can have a different business impact depending on payment size, card origin, and conversion needs.
Freelance invoices
Estimate the card fee before sending a project or retainer invoice.
International clients
Model the added card and conversion costs separately before choosing a payment currency.
Small transactions
See how the fixed $0.30 charge changes the effective fee rate on lower-value payments.
Cash-flow planning
Use the expected net amount when planning expenses and upcoming client work.
| Payment amount | Estimated fee | Net payout | Effective rate |
|---|---|---|---|
| $100.00 | $3.20 | $96.80 | 3.20% |
| $500.00 | $14.80 | $485.20 | 2.96% |
| $1000.00 | $29.30 | $970.70 | 2.93% |
Frequently Asked Questions
Stripe's standard processing fee is 2.9% + $0.30 per successful card charge. This applies to most US consumer cards. Additional fees may apply for international cards (+1.5%), currency conversion (+1%), or manually entered cards (+0.5%).
The calculator includes the base rate of 2.9% + $0.30, plus three optional add-ons: international card fee (+1.5%), currency conversion fee (+1%), and manually entered card fee (+0.5%). These match Stripe's current fee schedule.
The effective rate is the total fee divided by the transaction amount, expressed as a percentage. It's higher than the base rate because the $0.30 fixed fee represents a larger proportion of smaller transactions. For example, a $10 transaction with 2.9% + $0.30 has an effective rate of ~5.9%.
Yes. Debit cards typically process at a lower rate than credit cards. Rewards/premium credit cards have higher fees due to interchange fees. International cards add 1.5%. Currency conversion adds 1% if the charge is in a different currency than the card.
You can qualify for Stripe's volume discounts at $80,000/month in volume (1.8% + $0.20) or $1,000,000/month (1.5% + $0.15). Using ACH bank transfers instead of cards costs just 0.8% (capped at $5). For subscriptions, Stripe's billing tools may offer better economics than per-transaction fees.
Updated September 15, 2026. Fee schedules can change; confirm current pricing in your Stripe account before making a billing decision.
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