Stripe Fee Calculator 2026 — 2.9% + $0.30 Processing Fee Breakdown
See exactly what Stripe takes on a domestic or international charge, and what actually lands in your account. Toggle the international-card surcharge and reverse-solve the amount to charge for a target net.
Standard US online (card-not-present) rate: 2.9% + $0.30 per successful charge. International cards add roughly 1 percentage point (≈3.9% + $0.30 total) — toggle above. Currency conversion, ACH, and in-person rates differ; check your Stripe dashboard for your exact negotiated rate.
Fee breakdown
Fee structure
How Stripe fees are calculated
DOMESTIC RATE
2.9% + $0.30 per successful charge — the standard published rate for US online (card-not-present) payments.
INTERNATIONAL CARDS
Adds roughly 1 percentage point (≈3.9% + $0.30 total) for cards issued outside the US. Toggle it on above.
CURRENCY CONVERSION
A separate ~1% fee applies if Stripe converts currency for you — not included by default, check your dashboard.
NEGOTIATED RATES
High-volume accounts can negotiate custom pricing with Stripe directly — this calculator uses the published standard rate.
FAQ
Stripe questions answered
What does Stripe charge per transaction?
The standard US online rate is 2.9% + $0.30 per successful charge. International cards add roughly 1 percentage point, for about 3.9% + $0.30 total.
Is Stripe cheaper than PayPal?
For a typical domestic charge, yes — Stripe's 2.9% + $0.30 undercuts PayPal's commercial 3.49% + $0.49. The gap can narrow at higher transaction values or with negotiated volume pricing on either platform.
Does Stripe charge extra for currency conversion?
Yes, typically an additional ~1% when Stripe converts currency for you, separate from the international-card surcharge modeled above. Your actual dashboard rate may differ if you've negotiated custom pricing.
How do I figure out what to charge to net a specific amount?
Use the reverse math calculator below — enter your target net and it back-solves the charge amount after Stripe's 2.9% + $0.30.
Reverse math mode
Know what you want to take home? Work backwards.
Instead of "what do I keep from this amount?", answer "what do I need to charge to net a specific amount, after Stripe's fees?" The pricing calculator solves it instantly, pre-loaded with Stripe's exact rate.
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Stripe's 2.9% + $0.30, in plain terms
On a $100 domestic charge, Stripe keeps $3.20 ($2.90 percentage cut plus the $0.30 fixed fee) and you net $96.80. The fixed $0.30 component means the effective rate is worse on small transactions — a $5 charge loses $0.445 (8.9%) rather than the headline 2.9%.
International cards and currency conversion
Cards issued outside the US typically add about 1 percentage point, bringing the total to roughly 3.9% + $0.30. If Stripe also converts currency on your behalf, expect a separate ~1% conversion fee on top — the two surcharges can stack on a genuinely cross-border sale.
Charging for a target net amount
If you need exactly $500 to land in your account after fees, use the reverse pricing calculator — pre-loaded with Stripe's rate, it solves for the invoice amount. Compare against PayPal if you're deciding which processor to use for a given client.