💳 Dedicated Stripe Processing Calculator

Stripe Fee Calculator & Net Payout Estimator

Find out exactly how much Stripe takes from each transaction, toggle domestic vs. international card markups, and calculate how much to invoice to receive your exact desired net payout.

Universal Free Merchant Tool

Universal Payment Gateway & Merchant Fee Calculator

Instantly calculate processor deductions, net bank payouts, and compare fees across Stripe, PayPal, Shopify, Square, and Wise. Use Target Payout mode to bill clients accurately.

$
Quick Presets:
Card Origin & Location
Currency Conversion (FX)

Same currency (0% FX)

StripeStandard Online
2.90% + $0.30
Net Bank Payout You Receive:
$970.70

From $1,000.00 invoiced

Total Processor Fee-$29.30
Effective Fee Rate2.93%
Net: $970.70Fees: $29.30

Save $30.49 compared to the most expensive option!

Wise gives you the lowest fee deduction on this transaction.

Side-by-Side Gateway Comparison Matrix

See where your money goes on the exact same transaction and spot the biggest savings.

Amount: $1,000.00

Stripe

2.90%
Net Payout$970.70
Fee:-$29.30

PayPal

3.49%
Net Payout$964.61
Fee:-$35.39

Shopify Payments

2.90%
Net Payout$970.70
Fee:-$29.30

Square

2.90%
Net Payout$970.70
Fee:-$29.30
Lowest Fee 🏆

Wise

0.45%
Net Payout$995.10
Fee:-$4.90
Automated Accounting for Global Businesses

Tired of manually reconciling gateway deductions & batch payouts?

Qeemah automatically matches multi-currency invoices, splits Stripe and PayPal processing fees into distinct expense accounts, and reconciles bulk bank payouts in one click.

Start 14-Day Free TrialExplore Automated Merchant Accounting in Qeemah

Complete Stripe Fee Structure (Updated for 2026)

Stripe uses a simple flat-rate pricing model for domestic transactions, but costs can escalate quickly when dealing with cross-border payments, currency conversions, or advanced billing products:

  • Domestic Card Payments (US): 2.9% + $0.30 per successful charge.
  • European Union Cards (SEPA): Typically 1.5% + €0.25 for standard EEA consumer cards.
  • International Cards: Additional +1.5% cross-border assessment.
  • Currency Conversion: Additional +1.0% fee if your payout currency differs from the charge currency.
  • Dispute / Chargeback Fee: $15.00 per disputed transaction (refunded if you win).

How to Avoid Eating Stripe Fees on Client Invoices

If you bill clients through Stripe Invoicing, don't absorb the 2.9% + $0.30 fee out of your profit margin. By toggling to the Target Payout (Reverse) mode above, you can calculate the exact invoice amount required to offset Stripe's deduction.

Attach the copyable breakdown note to your invoice or contract terms to explain the processing fee transparently.

Frequently Asked Questions About Stripe Fees

How much does Stripe take per transaction?

For standard US transactions, Stripe charges 2.9% + $0.30 per successful card charge. International cards incur an additional +1.5% fee, and transactions requiring currency conversion add an extra 1.0% FX markup.

How do I calculate what to charge a client so I receive a full $1,000 on Stripe?

Use the formula: Invoice Amount = (Desired Net + $0.30) / (1 - 0.029). To receive exactly $1,000 net, you must invoice $1,030.18. After Stripe deducts 2.9% ($29.88) + $0.30 = $30.18, you will receive exactly $1,000.00.

Does Stripe refund processing fees when I issue a refund to a customer?

No. Stripe does not return the original transaction fee (2.9% + $0.30) when you refund a charge. You bear the cost of the fee even if the full purchase price is returned to the buyer.

Does Stripe charge extra for recurring billing or invoices?

Stripe Invoicing is free for your first 25 invoices per month, then costs 0.4% per paid invoice (or 0.5% on the Invoicing Plus plan). Stripe Billing for recurring subscriptions costs an additional 0.5% to 0.7% on top of card processing.