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 Does Stripe Charge?
There is no single universal fee for using Stripe. Stripe's transaction fees vary based on the payment method used (credit card, bank transfer, or digital wallet), the cardholder's country of origin, foreign currency exchange, and any specific pricing agreements or volume tiers configured on your merchant account.
For standard domestic card payments in the United States, Stripe charges a base rate of 2.9% + $0.30 per successful transaction. To see all standard rates, product offerings, and custom enterprise setups, you can consult Stripe's Official Pricing Page.
How to Calculate a Stripe Fee
A standard transaction fee is computed by multiplying the gross transaction amount by the percentage rate and then adding the flat fixed fee:
The calculator above utilizes Stripe's standard base rate (2.9% + $0.30). However, your actual final fee depends on the specific pricing schedule applied by Stripe.
Established Fee Caveat: 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.
Example: Invoicing for a Target of $1,000
If you want to receive exactly $1,000.00 net in your bank account, simply charging $1,029.30 will leave you short. This is because Stripe applies its 2.9% fee to the entire gross payment ($1,029.30 × 0.029 = $29.85), leaving you with a net deposit of $999.15.
To cover the fees fully, you must reverse the formula:
For a $1,000.00 target, our calculator performs this reverse calculation:
Stripe India Pricing Reference
If you are operating a business registered in India, Stripe applies a different fee structure. Stripe India has specialized local pricing depending on where the client's card was issued.
Note: The calculator at the top of the page uses Stripe's standard base rate (2.9% + $0.30) and does not calculate these India-specific rates. You can view official details directly on the Stripe India Pricing Page.
International Cards and FX Surcharges
For standard global accounts, transactions involving international credit cards or multiple currencies carry additional percentage surcharges:
- International Card Surcharge: An additional +1.5% is applied if the client's card is issued outside of your merchant account's home region (e.g. European card charged on a US merchant account).
- Currency Conversion Fee: An additional +1.0% is added by Stripe if the transaction currency is different from your account's primary settlement payout currency.
Note: These international surcharges are presented here for external reference and are not automatically blended into the calculator's primary domestic base rate output. For full international pricing policies, refer to the Stripe Pricing Schedule.
To convert and project foreign exchange invoicing sums directly, use our Exchange Rate Calculator.
Micropayments: How Flat Fees Impact Small Invoices
Because Stripe charges a flat fixed fee per charge (e.g. $0.30 USD), processing smaller invoices has a disproportionately large impact on your margins. A $0.30 flat fee represents 6% of a $5 invoice but only 0.3% of a $100 invoice.
| Target Payout | Required Invoice Total | Total Stripe Fees | Effective Fee % |
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If you primarily process small transactions, you can apply for Stripe's specialized micropayments pricing (typically 5% + $0.05) to save on flat fee costs.
Stripe Payment Processing vs. Payout Fees
It is important to clarify that customer payment processing fees (assessed when clients pay your invoices) are completely separate from payout or Connect-related platform fees.
- Payment Processing: Standard card/wallet transaction processing (e.g. 2.9% + $0.30) calculated on the gross client invoice total.
- Connect Payouts: Platform account management fees, express payout fees, or custom onboarding costs (typically charged per active merchant account or per instant transfer).
RemitScale's gateways configuration does not model Connect platform payouts or transfer costs. For platform operations and Connect account structures, please refer to the Stripe Connect Pricing Page.
Comparing Stripe with another processor?
To evaluate transaction rates, fixed parameters, and margin impact across Stripe, PayPal, Wise, and other platforms side-by-side, visit our comparison portal.
Compare Payment Gateways →Official Stripe Pricing Sources
To ensure accuracy and review current policy changes directly, utilize Stripe's official documentation: