English
Stripe Fee Calculator
What Is a Stripe Fee Calculator?
A Stripe Fee Calculator is a free tool that instantly calculates how much Stripe will deduct from any payment, how much you will receive after fees, and — critically — how much you need to charge a customer in order to receive a specific amount after Stripe's processing fees are deducted. This 'charge forward' calculation is one of the most common needs for freelancers, SaaS founders, e-commerce sellers, and agencies who use Stripe as their payment processor.
Stripe is one of the most widely used payment gateways in 2026, trusted by millions of businesses globally for processing credit cards, debit cards, and digital wallet payments. Understanding and planning around Stripe's fees is essential for accurate pricing, invoicing, and financial reporting.
Stripe Fee Structure — 2026 Updated Rates
|
Transaction Type |
Stripe Fee (2026) |
Example ($100 payment) |
You Receive |
|
Domestic online card (US) |
2.9% + $0.30 |
$2.90 + $0.30 = $3.20 |
$96.80 |
|
European cards |
1.5% + €0.25 (EU) |
Varies by country |
Varies |
|
Manually entered cards |
3.4% + $0.30 |
$3.40 + $0.30 = $3.70 |
$96.30 |
|
International cards (non-US) |
2.9% + $0.30 + 1.5% surcharge |
$4.40 + $0.30 = $4.70 |
$95.30 |
|
Currency conversion |
Additional 1% fee |
Applied when currency converted |
Deducted from payout |
|
Stripe Instant Payout |
1.5% (min $0.50) |
$1.50 on $100 |
Applied to payout amount |
|
ACH Direct Debit (US) |
0.8% (max $5.00) |
$0.80 on $100 |
$99.20 |
|
Stripe Radar (fraud protection) |
Included for standard accounts |
No extra charge |
Included |
How to Use the Stripe Fee Calculator
- SCENARIO A — Find how much you receive: Enter the amount you are charging the customer → See how much Stripe deducts and what you receive
- SCENARIO B — Find how much to charge to receive a specific amount: Enter the amount you want to receive after fees → Calculator tells you exactly what to charge the customer
Stripe Fee Formula — How It's Calculated
Stripe's standard fee formula for US domestic transactions:
Stripe Fee = (Amount × 0.029) + $0.30
You Receive = Amount − Stripe Fee
EXAMPLE: You charge $250
Stripe Fee = ($250 × 0.029) + $0.30 = $7.25 + $0.30 = $7.55
You receive = $250 − $7.55 = $242.45
REVERSE CALCULATION — You want to receive exactly $250:
Charge = (Desired Amount + $0.30) ÷ (1 − 0.029)
Charge = ($250 + $0.30) ÷ 0.971 = $250.30 ÷ 0.971 = $257.77
Stripe Fee on $257.77 = $7.77 → You receive exactly $250.00
Stripe Fees by Country — 2026 Reference
|
Country |
Standard Rate |
Fixed Fee |
Notes |
|
United States |
2.9% |
+ $0.30 |
Standard US domestic rate |
|
United Kingdom |
1.5% |
+ 20p |
EU-aligned post-Brexit rate |
|
Australia |
1.7% |
+ A$0.30 |
Competitive domestic rate |
|
Pakistan |
Currently limited |
Stripe not yet fully supported |
Use Stripe via third-party processors |
|
India |
2% (domestic) |
+ ₹2.00 |
Reduced rate for domestic cards |
|
Canada |
2.9% |
+ C$0.30 |
Same structure as US |
|
UAE |
2.9% |
+ AED 1.00 |
Regional standard |
|
Germany |
1.5% |
+ €0.25 |
EU standard rate |
Should You Pass Stripe Fees to Customers?
- Legally permitted: In most countries including the US, UK, and Pakistan, passing payment processing fees to customers is legally allowed in 2026
- Transparency builds trust: Clearly label the fee as a 'payment processing fee' rather than hiding it in the product price
- Consider your competition: If competitors absorb fees, passing them on may reduce conversions
- B2B vs B2C: B2B customers more commonly accept fees being passed on; retail consumers are more sensitive
- Offer free bank transfer as an alternative: Give fee-sensitive customers an ACH or bank transfer option at 0.8% (much lower than card)
Q: Is the Stripe Fee Calculator free?
A: Yes, completely free. Calculate Stripe processing fees and charge-forward amounts for any transaction value with no account required.
Q: What is Stripe's fee for a $1,000 transaction?
A: For a standard US domestic card transaction: ($1,000 × 2.9%) + $0.30 = $29.00 + $0.30 = $29.30 in fees. You receive $970.70.
Q: Does Stripe charge a monthly fee in 2026?
A: Stripe's standard plan has no monthly subscription fee — you pay only per transaction. Stripe's paid plans (Stripe Radar for fraud and Stripe Tax) add monthly fees for those specific features, but the core payment processing has no monthly cost.
Q: How long does Stripe take to pay out in 2026?
A: Standard Stripe payouts take 2 business days to reach your bank account. Stripe Instant Payouts (available in the US and some other countries) deliver funds within 30 minutes for a 1.5% fee. International payout times vary by country.
Q: Can I use Stripe in Pakistan in 2026?
A: Stripe does not have full direct support for Pakistani business accounts as of early 2026. Pakistani entrepreneurs commonly access Stripe through third-party payment platforms, registered US/UK company structures, or intermediary processors. Check Stripe's current country availability for the latest supported countries.
