Stripe fee calculator
Free Stripe fee calculator, no sign-up and no ads. See the Stripe fees and what you receive, or use it as a reverse Stripe fee calculator and get the price to ask. Covers cards, ACH, Klarna, international cards, and Stripe Billing, Invoicing and Tax. Rates checked on Stripe's pricing page on 1 November 2026.
Card or wallet
You receive
$96.80
Stripe fees $3.20 on $100.00 (3.20% of it)
Cheaper for this payment: ACH Direct Debit, $0.80 in fees, $2.40 less than Card or wallet.
- A month (20 sales)
- $64.00 in fees · you keep $1,936.00
- A year
- $768.00 in fees · you keep $23,232.00
This payment with every Stripe method
| Method | Rate | Fee | You receive |
|---|
⬇ Download the free Stripe fee calculator Excel template (.xlsx, works in Excel, Google Sheets and Numbers)
Tap a method to use it above. Rates for a US Stripe account, in US dollars.
Where you keep the most of 20 sales of $100.00
The same product sold on each platform in a month: its own fee, the card processing on top and the monthly plan. US buyers paying by card.
Each platform on its plan that keeps the most at this price and volume, monthly prices; where you use your own Stripe, 2.9% + $0.30 is counted. Platform fees from each vendor's own pricing page, checked 1 November 2026.
PayPal, Venmo, Stripe, Klarna, Etsy and the other names and logos shown are trademarks of their owners, used here only to name them. Sellwares is not affiliated with them.
How much does Stripe charge?
For a US account, Stripe's credit card processing fee is 2.9% + 30¢ per successful payment with a US credit or debit card: on $100 that is $3.20, so you receive $96.80. An international card adds 1.5% and a currency conversion another 1%; ACH Direct Debit costs 0.8% with a $5 cap. No setup or monthly fees. Rates from Stripe's pricing page, checked 1 November 2026.
Stripe fees 2026
Stripe fees per transaction, for every way your customer pays
Stripe's standard pricing for a US account, in US dollars, and what is left of a $100 payment.
| How the customer pays | Stripe fee | Fee on $100 | You receive |
|---|---|---|---|
| Card or wallet (Apple Pay, Google Pay, Link) | 2.9% + 30¢ | $3.20 | $96.80 |
| ACH Direct Debit (US bank) | 0.8%, max $5 | $0.80 | $99.20 |
| Instant bank payment | 2.6% + 30¢ | $2.90 | $97.10 |
| Klarna (buy now, pay later) | 5.99% + 30¢ | $6.29 | $93.71 |
What is added to a card payment
| When | Added | On $100 |
|---|---|---|
| International card | +1.5% | $1.50 |
| Currency conversion needed | +1% | $1.00 |
| Card number typed in by hand | +0.5% | $0.50 |
| Stripe Billing (subscriptions, pay as you go) | +0.7% | $0.70 |
| Stripe Invoicing Starter, per paid invoice | +0.4% | $0.40 |
| Stripe Tax Basic, where you collect tax | +0.5% | $0.50 |
Payment Links and Checkout cost nothing extra. Source: Stripe pricing (US), checked 1 November 2026.
How to use it
How to use the Stripe fee calculator
Type the payment
The amount your customer pays. To find what to charge instead, press Price to ask and type what you want to receive.
Choose how the customer pays
A card or wallet (Apple Pay, Google Pay and Link cost the same as a card), ACH Direct Debit, an instant bank payment or Klarna.
Tick what applies
An international card, a currency conversion, a card typed in by hand, and the Stripe add-ons you use: Billing, Invoicing and Tax.
Compare and share
The table under the result shows the same payment with every method. Copy a link to this keeps your numbers for later or for your accountant.
Quick table
Stripe fees at common prices
The fee and what you receive for a US card and for an international card (2.9% + 1.5% + 30¢).
| Payment | US card fee | You receive | International card fee | You receive |
|---|---|---|---|---|
| $5.00 | $0.45 | $4.55 | $0.52 | $4.48 |
| $10.00 | $0.59 | $9.41 | $0.74 | $9.26 |
| $20.00 | $0.88 | $19.12 | $1.18 | $18.82 |
| $25.00 | $1.03 | $23.97 | $1.40 | $23.60 |
| $50.00 | $1.75 | $48.25 | $2.50 | $47.50 |
| $100.00 | $3.20 | $96.80 | $4.70 | $95.30 |
| $200.00 | $6.10 | $193.90 | $9.10 | $190.90 |
| $500.00 | $14.80 | $485.20 | $22.30 | $477.70 |
| $1,000.00 | $29.30 | $970.70 | $44.30 | $955.70 |
On $5, the fee is $0.45, 9.0% of the payment. On $1,000, it is 2.93%.
The formula
How to calculate Stripe fees by hand
$50: $50 × 2.9% = $1.45, + $0.30 = $1.75. You receive $48.25.
Add the surcharges to the 2.9% before you multiply: an international card makes it 4.4%, with conversion 5.4%. Billing, Invoicing and Tax are separate percentages of the same payment.
How much to charge to receive a set amount
To receive $100: $100.30 ÷ 0.971 = $103.30. Check: $103.30 × 2.9% + $0.30 = $3.30, and $103.30 − $3.30 = $100.00.
Stripe rounds each fee to the cent, so the formula can be a cent off. The calculator's Price to ask finds the lowest price that really leaves you the amount, with every surcharge and add-on you ticked.
Stripe or PayPal
Stripe vs PayPal fees
For a card payment from a US customer, Stripe costs 2.9% + 30¢ and PayPal Checkout 3.49% + 49¢. On $100, that is $3.20 against $3.98, and the gap grows with every sale: 40 sales of $25 a month cost $41.20 on Stripe and $54.40 with PayPal Checkout.
- Offer both if you can. Some buyers only pay with PayPal; losing the sale costs more than the fee difference.
- Without the fixed fee: a PayPal goods and services payment (2.99%, no fixed fee) costs less than Stripe on payments under about $333, where its 0.09% more equals Stripe's 30¢.
- Large amounts: Stripe ACH (0.8%, max $5) and PayPal Pay by Bank on invoices (1%, max $10) are the cheapest.
See every PayPal method in the PayPal fee calculator.
Pay less
5 ways to pay lower Stripe fees
Offer ACH for big payments
ACH Direct Debit is 0.8% with a $5 cap: a $2,000 invoice costs $5 instead of $58.30 by card.
Bundle small items
The 30¢ is charged on every payment. One $30 bundle costs $1.17; six $5 payments cost $2.70.
Price in your customer's currency
Charging a customer in their own currency can avoid the 1% conversion, where your account can settle that currency.
Let customers type their own card
A card you type in by hand costs 0.5% more. Send a Payment Link instead.
Don't pay a platform fee on top of Stripe
Some shop builders take a cut before Stripe does. The comparison under the calculator shows the totals.
Selling online
What you keep after Stripe and your platform
Selling a $25 digital product 40 times a month ($1,000), here is what you keep on each platform after its own fee, card processing and the monthly plan, each on its plan that keeps the most at this volume.
| Platform | Plan | Fees a month | You keep |
|---|---|---|---|
| Sellwares | Free plan | $41.20 | $958.80 |
| Lemon Squeezy | No plan, 5% + $0.50 | $70.00 | $930.00 |
| Stan Store | Creator, $29 a month | $70.20 | $929.80 |
| Payhip | Plus, $29 a month, 2% | $90.20 | $909.80 |
| Etsy | Standard, 6.5% + $0.20 listing | $113.20 | $886.80 |
| Teachable | Builder, $89 a month, 0% | $130.20 | $869.80 |
| Podia | Mover, $49 a month, 5% | $140.20 | $859.80 |
| Gumroad | No plan, 10% + $0.50 | $161.20 | $838.80 |
| Kajabi | Basic, $179 a month | $220.20 | $779.80 |
With Sellwares, buyers pay into your own Stripe, so Stripe's fee is the only one: Sellwares takes 0% on every plan. The Free plan has 3 products; Creator is €29 a month. Other platforms' fees from their own pricing pages, checked 1 November 2026.
Other fees to check
Questions about Stripe fees
How much does Stripe charge per transaction?
For a US account, Stripe charges 2.9% + 30¢ for each successful card payment from a US card: on $100 that is $3.20, so you receive $96.80. There are no setup or monthly fees on standard pricing.
What does Stripe charge for international cards?
Stripe adds 1.5% for international cards, and 1% more if the payment needs a currency conversion. On $100 from an international card that is $4.70, or $5.70 with conversion.
How do I calculate Stripe fees?
Multiply the payment by 2.9% and add $0.30: for $50, $50 × 2.9% = $1.45, plus $0.30 = $1.75, so you receive $48.25. Add 1.5% to the rate for an international card, 1% for a conversion, and 0.5% for a card typed in by hand.
How much should I charge to receive a set amount after Stripe fees (reverse calculation)?
Add $0.30 to the amount you want and divide by 0.971: to receive $100, ($100 + $0.30) ÷ 0.971 = $103.30. The "Price to ask" button works it out for every Stripe method and surcharge, exact to the cent.
Does Stripe give its fee back when I refund a payment?
No. Stripe keeps its processing fees from the original payment when you refund it. Refunding a card payment costs nothing extra on standard pricing; only refunds by bank transfer may have a fee.
Who pays the Stripe fee?
The business that receives the payment. Stripe takes its fee out of each payment before the money reaches your bank, so a $100 card payment pays out $96.80. To end up with $100, charge $103.30.
Is Stripe cheaper than PayPal?
For a US card payment, usually yes: $100 costs $3.20 on Stripe (2.9% + 30¢) and $3.98 with PayPal Checkout (3.49% + 49¢). A PayPal goods and services payment (2.99%, no fixed fee) costs less than Stripe on payments under about $333.
What is the Stripe ACH fee?
ACH Direct Debit from a US bank account costs 0.8% with a $5 cap, so any payment above $625 costs exactly $5. For large invoices and subscriptions it is far cheaper than a card.
What do Stripe Billing, Invoicing and Tax cost?
They are added on top of the payment fee: Billing for subscriptions costs 0.7% of billing volume on pay-as-you-go, Invoicing Starter 0.4% per paid invoice, and Stripe Tax Basic 0.5% per transaction where you are registered to collect tax.
What does a Stripe dispute cost?
Stripe charges $15 for each dispute you receive, and another $15 if you counter it by hand, which you get back if you win the dispute.
Is this Stripe fee calculator free, and can I put it on my site?
Yes. It is free with no sign-up and no ads, and nothing you type leaves your browser. Open "Add this calculator to your site" under the calculator and paste the code into your page.
Sources
- Stripe pricing (US): card, ACH, bank, Klarna, surcharges, Billing, Invoicing, Tax and dispute fees.
- Stripe Support: fees for refunded payments.
- PayPal Merchant Fees (US) for the comparison.
Rates checked 1 November 2026. Stripe can change its fees; the calculator is updated when it does.
Keep Stripe's fee the only fee.
Sell digital products, courses and memberships from your own Sellwares store, paid straight into your own Stripe. Sellwares takes 0% of every sale, on every plan.
Start selling for free
Written by
Simon William Founder
Founder of SellWares.com
Simon is the visionary founder of Sellwares, where he leverages a decade of deep experience in software development and technical project management. With a strong track record at both industry giants like Spotify and nimble startups, he has successfully directed complex tech projects from conception to launch. Simon's unique blend of software engineering acumen and strategic product management enables him to build intuitive, scalable platforms that bridge technical possibilities with genuine market needs, earning him trust as a reliable voice in E-commerce and technology solutions.
- E-commerce Platform Development
- Software Architecture
- Technical Product Management
- Scalable Cloud Solutions
- UI/UX Design for E-commerce