Calculate Stripe fees for cards, ACH, in-person, and international payments. Compare fee types and use the reverse calculator to set your prices.
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Stripe charges different fees depending on the payment method, whether the transaction is domestic or international, and whether currency conversion is needed. The standard online card rate is 2.9% + $0.30 per transaction, but Stripe offers many payment methods — from ACH bank transfers at just 0.8% (capped at $5) to in-person Terminal payments at 2.6% + $0.10. This calculator supports all Stripe fee structures so you can see exact costs, find the cheapest payment method, or calculate how much to charge to receive your desired net amount.
Stripe processing fees are the charges applied to every transaction processed through Stripe's payment platform. For standard online card payments in the US, Stripe charges 2.9% + $0.30 per successful transaction. International cards add 1% and currency conversion adds another 1%. ACH direct debit is significantly cheaper at 0.8% (capped at $5), while in-person Terminal payments charge 2.6% + $0.10. Stripe also charges additional fees for products like Invoicing (+0.4%), Subscription Billing (+0.5%), and Radar fraud protection ($0.07/transaction).
Stripe Fee Formula
Stripe Fee = (Transaction Amount × Rate%) + Fixed FeeStripe has over 8 different fee structures depending on payment method. A calculator helps you see the exact fee before processing, avoiding surprises on your payout.
Use the reverse calculator to determine exactly what to charge so you receive your target net amount after Stripe deducts fees.
Compare card, ACH, and in-person fees side by side. For a $1,000 payment, ACH costs just $5 vs $29.30 for cards — an 83% savings.
International cards add 1% and currency conversion adds another 1%. On a $5,000 international payment, that's an extra $100 in fees you need to budget for.
See how Stripe's fees stack up against PayPal, Square, and other processors to make informed decisions about your payment infrastructure.
Calculate exact processing costs per sale and factor Stripe fees into product pricing to maintain target profit margins on every transaction.
Understand the combined cost of Stripe Billing (0.5%) plus card processing (2.9% + $0.30) for recurring subscription payments.
Use the reverse calculator to set invoice amounts that ensure you receive your full project rate after Stripe deducts invoicing + processing fees.
Compare ACH Direct Debit fees (0.8%, max $5) against card processing to find significant savings on high-value B2B transactions.
Calculate the full cost of international transactions including the base rate, +1% international surcharge, and +1% currency conversion fee.
For a $100 domestic online card payment, the Stripe fee is $100 × 2.9% + $0.30 = $3.20. You'd receive $96.80. For ACH, the fee would be just $0.80, leaving you with $99.20. International card payments cost $100 × 3.9% + $0.30 = $4.20.
Stripe fees are calculated using the formula: Fee = (Transaction Amount × Percentage Rate) + Fixed Fee. For standard domestic cards, this is 2.9% + $0.30. Additional surcharges apply for international cards (+1%), currency conversion (+1%), and add-on products like Invoicing (+0.4%) or Billing (+0.5%).
For standard online card payments, Stripe (2.9% + $0.30) is cheaper than PayPal Checkout (3.49% + $0.49). On a $100 transaction, Stripe charges $3.20 vs PayPal's $3.98. However, PayPal offers free personal transfers, while Stripe charges fees on all transactions.
Stripe charges 0.8% for ACH Direct Debit payments, capped at $5.00 per transaction. This makes ACH extremely cost-effective for large payments — a $1,000 ACH payment costs only $5.00 in fees vs $29.30 for card processing.
Yes. Stripe adds 1% on top of the standard domestic rate for cards issued outside the US. If currency conversion is also needed, another 1% is added. So an international payment with currency conversion costs 4.9% + $0.30.
Stripe Terminal charges 2.6% + $0.10 for in-person tap, dip, or swipe transactions. Manually keyed-in card numbers cost more at 3.4% + $0.30. In-person is actually cheaper than online card rates (2.9% + $0.30).
Stripe Billing adds 0.5% on top of the standard payment processing fee for recurring subscriptions. So a $49/month subscription costs 2.9% + $0.30 + 0.5% = effectively 3.4% + $0.30 per payment, or about $1.97 per charge.