stripe transaction fee (Net, Fees & Gross-Up) โ Instant Stripe Processing Fee Breakdown
Features
Calculate Stripe processing fees instantly with a clear breakdown of percentage + fixed fees, accurate net payout, and optional gross-up so you can price products, invoices, and subscriptions with confidence.
stripe processing fees
Stripe fees can feel confusing because theyโre usually a mix of a percentage + a fixed fee per transaction. That means even if your price looks fine on paper, your actual payout (net amount) can end up lowerโespecially on small payments, where the fixed fee takes a bigger bite.
Most people only look at the total charged and forget to account for fees when setting prices, sending invoices, or building subscription plans. The result: reduced profit, inconsistent pricing, and โWhy did I receive less?โ surprises in payouts. A simple fee breakdown keeps your pricing clean and predictable.
Most sellers know Stripe charges 2.9% + $0.30. What they don’t know is that number is just the starting point. International cards, currency conversion, disputes, and add-on products all stack on top โ and if you’re pricing without accounting for all of it, you’re quietly losing margin on every sale.
Use the calculator above to get the exact number for your transaction. Everything below breaks down how Stripe’s fee structure actually works, country by country, payment type by payment type.
The 2.9% + $0.30 rate applies to online card payments in the United States, processed in USD, from a US-issued card. The moment any one of those conditions changes, so does your fee.
Here’s what the base rate looks like across Stripe’s major markets:
| Country | Online Card Rate | Fixed Fee |
|---|---|---|
| United States | 2.9% | + $0.30 |
| United Kingdom | 1.5% | + ยฃ0.20 |
| Eurozone | 1.5% | + โฌ0.25 |
| Australia | 1.75% | + A$0.30 |
| Canada | 2.9% | + $0.30 |
| Singapore | 3.4% | + S$0.50 |
| India | 2.0% | + โน2.00 |
| Japan | 3.6% | no fixed fee |
Standard checkout, Stripe Elements, Stripe Checkout. This is what most e-commerce businesses pay.
Slightly cheaper per transaction because card-present fraud risk is lower. Hardware costs extra: the basic Stripe Reader M2 runs $59, while the smart reader S700 is $349.
The most expensive rate, applied when you type a card number manually or take phone orders. Stripe charges more because you have no physical proof the cardholder was present. Avoid this whenever possible.
Most sellers set a price and then discover what they keep after fees. The smarter approach is working backwards โ decide what you need to net, then calculate what to charge.
The formula: Charge = (Net amount + fixed fee) รท (1 โ percentage rate)
For a US online payment where you want to net $100: Charge = ($100 + $0.30) รท (1 โ 0.029) = $100.30 รท 0.971 = $103.30
At $103.30, Stripe takes $3.30 (2.9% + $0.30) and you receive exactly $100.00.
The “Find Breakeven” mode in the calculator above does this math automatically for every country and payment type.
Stripe takes $3.20 from a $100 online transaction in the US โ that's 2.9% ($2.90) plus the fixed $0.30 fee. You receive $96.80. If the card is international, add another $1.50, bringing the fee to $4.70 and your payout down to $95.30.
Yes โ and this surprises a lot of sellers. When you refund a customer, Stripe returns the 2.9% percentage portion but keeps the $0.30 fixed fee. So if you refund a $50 sale in full, you still lose $0.30 out of pocket on top of the $1.75 you already paid to process it.
You can't eliminate them, but you can offset them. The two legal routes are: add a surcharge at checkout so the customer covers the processing cost (permitted in most US states, prohibited in a few like Connecticut), or switch large B2B invoices to ACH bank transfer โ Stripe's ACH rate is just 0.8%, capped at $5, versus $29.30 on a $1,000 card payment.
No. Stripe's base plan has zero monthly fees โ you only pay when you process a transaction. The per-transaction fee is how Stripe makes money. Optional add-ons like Stripe Billing (subscriptions), Stripe Radar (fraud), and Stripe Terminal (in-person hardware) carry separate costs, but the core payment processing has no recurring charge.
Three reasons this happens: your customer used an international card (+1.5%), there was a currency conversion (+1%), or you're processing through Stripe Billing which adds 0.7% on top of the standard rate. Manual card entry also jumps to 3.4% + $0.30. Run any transaction through the calculator above to see the exact breakdown before it hits your account.
For online payments, they're identical โ both charge 2.9% + $0.30 per transaction. Stripe pulls ahead for in-person payments (2.7% + $0.05 vs PayPal's 2.29% + $0.09 with a reader, though PayPal's hardware is less versatile). Where Stripe clearly wins is transparency โ PayPal's international and currency conversion fees are harder to predict and often end up costing more for cross-border sellers.
