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Stripe Fee Calculator (2026): Fees & Reverse Invoice Calculator

See exactly how much Stripe takes from a payment at 2.9% + $0.30 per domestic transaction, including international card and currency conversion surcharges, or flip to reverse mode to find the invoice amount that leaves you with 100% of your target after fees.

Data as of November 2026

Calculation mode
$
Transaction type

You receive

$970.70

From a $1,000.00 payment via Stripe

Stripe fee

$29.30

2.9% + $0.30

Effective fee rate

2.93%

of the payment amount
Payment breakdown
Net payout to you: $970.70Stripe processing fee: $29.30
  • Net payout to you$970.7097%
  • Stripe processing fee$29.303%

Same payment on every platform

PlatformFeeYou receive
2.9% + $0.30$29.30$970.70
3.3% + $0.30$33.30$966.70
3.49% + $0.49$35.39$964.61
5% + $0.50$50.50$949.50
10% + $0.50$100.50$899.50

Card processing only. Payout, dispute and add-on product fees are separate.

Stripe fees explained

Stripe's standard US pricing is 2.9% + 30¢ for domestic card payments. Cards issued outside the US add 1.5%, and charges that require currency conversion add 1%. Stripe Invoicing and Stripe Tax are billed separately on top of processing.

Best for:SaaS, developers and freelancers who want API-driven invoicing and subscriptions.

Stripe pricing details
Domestic card rate2.9% + $0.30
International card surcharge+1.5%
Currency conversion+1%
Chargeback / dispute fee$15.00
Monthly feeNone
Merchant of recordNo
Payout speed2 business days (standard US payouts)

How to pass Stripe fees to your client

To receive a specific amount after fees, gross up the invoice: charge = (target + fixed fee) ÷ (1 − percentage rate), rounded up to the next cent. With Stripe's 2.9% + $0.30 rate, receiving exactly $1,000 means invoicing $1,030.18, so the client covers$30.18 in fees and you net $1,000.00. Simply adding 2.9% to the invoice is not enough, because Stripe also takes its percentage from the extra amount.

Stripe vs. other payment platforms

Fees on domestic card payments of different sizes. Ranked by what you keep from a $1,000 payment.

PlatformRateFee on $100Fee on $500Fee on $1,000Fee on $5,000Invoice to net $1,000
Stripe2.9% + $0.30$3.20$14.80$29.30$145.30$1,030.18
Square3.3% + $0.30$3.60$16.80$33.30$165.30$1,034.44
PayPal3.49% + $0.49$3.98$17.94$35.39$174.99$1,036.67
Lemon Squeezy5% + $0.50$5.50$25.50$50.50$250.50$1,053.16
Gumroad10% + $0.50$10.50$50.50$100.50$500.50$1,111.67

Stripe pros

  • Industry-standard developer API and hosted invoices
  • No monthly fee on the standard plan
  • Volume and custom pricing available at scale

Stripe cons

  • International cards add 1.5% and currency conversion adds another 1%
  • Not a merchant of record, so you handle sales tax and VAT yourself
  • Dispute fee charged on every chargeback

Frequently asked questions

How much does Stripe charge per transaction?

Stripe's standard rate is 2.9% + $0.30 per domestic transaction. International cards add 1.5% and currency conversion adds 1%. On a $1,000 payment you would pay $29.30 in fees and receive $970.70.

How do I pass Stripe fees on to my client?

Use the reverse (gross-up) formula: add the fixed fee to the amount you want to receive, then divide by one minus the percentage rate. To receive exactly $1,000 through Stripe on a domestic payment, invoice $1,030.18. Some US states and card network rules restrict credit card surcharges, so label it as a service or processing fee and check the rules where your client is located.

Is Stripe cheaper than other payment platforms?

On a $1,000 domestic payment, Stripe keeps $29.30. In our comparison the cheapest option is Stripe at $29.30, and the most expensive is Gumroad at $100.50. Stripe is not a merchant of record, so sales tax and VAT collection remain your responsibility.

Does Stripe charge extra for invoices?

Yes. On top of card processing, Stripe Invoicing charges a small percentage per paid invoice beyond a free allowance, and Stripe Tax adds a per-transaction fee where enabled. This calculator covers card processing only.