Stripe Fee Calculator: Calculate What to Invoice
Calculate the gross amount you need to bill your client so that after Stripe's standard 2.9% + $0.30 transaction fee and currency conversion, your net bank receipt matches your target payout.
How Much Do You Need to Charge Through Stripe?
When billing clients through Stripe, receiving a specific net deposit requires accounting for Stripe's credit card processing fees before sending your invoice. For standard domestic card transactions in the US, Stripe charges 2.9% + $0.30 per successful charge. Because Stripe calculates its percentage fee on the total gross payment received (including taxes and fee adjustments), simply adding 2.9% + $0.30 to your target amount results in a net payout shortfall.
For example, to receive a net payout of $1,000, billing $1,029.30 leaves you short because Stripe deducts 2.9% of the entire $1,029.30 ($29.85) plus $0.30, resulting in a net receipt of $999.15. To receive your full $1,000 net target, your gross invoice total must be $1,030.17. RemitScale's reverse calculator automatically solves this gross-up equation in real time.
How Stripe Fees Affect Your Net Payout
Stripe's payment infrastructure operates on an itemized per-transaction model. Every card payment processed incurs both a proportional percentage charge and a fixed per-transaction fee. When managing recurring client retainers or multi-milestone invoicing, uncalculated processing deductions accumulate quickly into annual revenue leakage.
Reference Note on Stripe Fee Variations: Per Stripe's published pricing schedule, specialized products and payment methods carry distinct fee structures:
• International Cards: Additional +1.5% fee for cards issued outside your account country.
• Stripe Connect & Billing: Platform account tier fees and recurring billing management fees (typically 0.4% to 0.7%).
• Stripe Radar & Chargeback Protection: Advanced fraud prevention tools incur minor per-screening charges ($0.02 to $0.07).
Note: The calculator above computes invoice totals based on Stripe's standard domestic base rate (2.9% + $0.30); final settlement amounts depend on your cardholder issuing origin and account tier.
International Payments and Currency Conversion
When invoicing international clients in foreign currencies, Stripe applies currency conversion parameters if the charge currency differs from your bank payout settlement currency. In cross-border card processing, fees consist of two layers: the card issuing region surcharge and the foreign exchange conversion rate.
Per Stripe's official pricing guidelines, foreign currency transactions incur a +1.0% currency conversion fee above base processing rates. RemitScale's calculator evaluates your target payout using live market exchange rates and applies standard provider fee parameters to estimate your gross invoice total. For multi-currency billing, select your client's payment currency in the dropdown above to view estimated gross-up totals.