Stripe Fee Calculator
Stripe processing fee calculator & invoice fee calculator — calculate gross amount from net payout
Stripe Fee Calculator
Domestic & International Credit Card Processing for SaaS and Creators
Invoice
$500.00
Fees
-$14.80
2.96% rate
Net Bank
$485.20
97.0% kept
Fee Breakdown Visualizer
Itemized Deductions
Payment Processing
2.9% + $0.30 domestic rate.
-$14.80
2.96% of invoice
Net in Your Bank Account
After all 4 tiers of deductions
$485.20
Stripe Note: Standard US card fee is 2.9% + $0.30. International cards incur an additional +1.5% fee (4.4% + $0.30), plus a 2.0% conversion fee if currency conversion is required.
Rates verified from official Stripe fee schedule ↗
Live Platform Comparison
All 6 platforms for $500.00 · Domestic · highest payout first
$485.20
-$14.80 (3.0%)
$484.56
-$15.44 (3.1%)
$452.05
-$47.95 (9.6%)
$449.01
-$50.99 (10.2%)
$435.20
-$64.80 (13.0%)
$399.00
-$101.00 (20.2%)
Understanding Stripe's Pricing Model
Stripe powers payment processing for SaaS platforms, e-commerce storefronts, and independent contractors worldwide. Using a transparent Stripe processing fee calculator ensures accurate cash flow forecasting when setting client pricing or configuring subscription tiers.
1. Stripe Processing Fee Calculator: Domestic Cards (2.9% + $0.30)
Standard US credit and debit card transactions incur 2.9% + $0.30. Unlike third-party wallets, Stripe applies this uniform rate whether transactions originate via Stripe Invoicing, Payment Links, or custom Elements checkouts.
2. Stripe International Card Fee Calculator (+1.5% Surcharge)
If an overseas client pays with a card issued outside your merchant country, Stripe assesses an additional 1.5% cross-border fee (totaling 4.4% + $0.30 per charge).
3. Stripe Fee Pass On Calculator (Calculate Gross Amount from Net Payout)
When passing payment gateway expenses to clients, our 'Target Quote' mode serves as an accurate Stripe fee pass on calculator, computing the gross invoice amount required to achieve your exact net take-home pay.
4. Currency Conversion Spread (2.0%)
When customer charge currency differs from settlement payout currency, Stripe automatically applies a 2.0% currency conversion fee on top of base interchange costs.
Stripe Fee FAQs
What does the Stripe processing fee calculator use for standard domestic cards? ▾
Our Stripe processing fee calculator applies Stripe's published 2.9% + $0.30 rate per successful credit or debit card charge for businesses based in the United States across Checkout, Invoices, and Payment Links.
How does the Stripe international card fee calculator account for cross-border transactions? ▾
An additional 1.5% cross-border fee applies when customers use international cards (bringing base processing to 4.4% + $0.30). If currency conversion is also required, an additional 2.0% currency conversion fee is added.
How can I use this as a Stripe fee pass on calculator to calculate gross amount from net payout? ▾
Switch the calculator mode to 'Target Quote'. The tool runs exact reverse math: Gross = (Target Net + $0.30) / (1 - 0.029) for domestic sales, showing the exact amount to invoice so the client covers all Stripe processing fees.
How does the Stripe invoice fee calculator compare to PayPal for merchant invoices? ▾
Stripe's domestic merchant rate is 2.9% + $0.30, compared to PayPal's 2.99% + $0.49. For a $1,000 client invoice, Stripe saves you $3.70 compared to PayPal Goods & Services.
How much does Stripe charge for bank payouts and ACH debit? ▾
Standard rolling bank payouts (typically 2 business days) are completely free ($0.00). Instant payouts to an eligible debit card cost 1.5% (minimum $0.50). ACH Direct Debit costs 0.8% with a $5.00 fee cap.
Stripe Pricing Overview
- Domestic US Cards 2.9% + $0.30
- International Cards 4.4% + $0.30
- Currency Conversion 2.00%
- Standard Payouts $0.00 (Free)
- ACH Direct Debit 0.8% ($5 cap)
Compare Stripe vs. PayPal
Stripe standard domestic rate is 2.9% + $0.30 vs PayPal's 2.99% + $0.49. On a $1,000 transaction, Stripe saves you approximately $2.80 in merchant fees.
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