Stripe Fee Calculator
Calculate Stripe processing fees, net payout, and how to gross-up invoices to receive your target amount. Compare card vs ACH for large B2B transactions.
💳 Payments💼 Net = Amount − (2.9% + $0.30) for cards
Payment method
Transaction amount ($)
Target net payout ($, optional)
Please enter valid values.
Formula & Reference
| Variable | Formula | Units |
|---|---|---|
| Stripe Fee Calculator | Net = Amount − (2.9% + $0.30) for cards | $/transaction |
Step-by-Step Examples
Example 1
Standard Card
$500 card payment.
- Fee: $500×0.029+$0.30 = $14.80
- Net: $485.20
✓ $14.80 fee, receive $485.20
Example 2
ACH Large Amount
$10,000 ACH.
- Fee: min($80,$5) = $5.00
- Net: $9,995
- Saves $74.70 vs card!
✓ Only $5 fee on $10,000
Example 3
Gross-Up for $1,000
Need to net exactly $1,000 via card.
- Charge: ($1,000+$0.30)/(1-0.029) = $1,030.24
- Fee: $30.18 | Net: $1,000.00
✓ Invoice $1,030.24 to net $1,000
Real-World Applications
SaaS
Model Stripe fees as percentage of subscription revenue.
B2B
ACH dramatically reduces fees on large invoices.
E-commerce
Factor fees into product pricing.
Finance
Include processing as cost-of-revenue in financial models.
Common Mistakes to Avoid
⚠️
Ignoring ACH for large B2B
$5,000 invoice: ACH costs $5, card costs $145. ACH saves $140.
⚠️
Not tracking chargebacks
Stripe charges $15 per chargeback — factor in chargeback rate.
⚠️
Missing international fee
Additional 1.5% on international cards matters for global businesses.
Frequently Asked Questions
Stripe standard fees? ▾
2.9% + $0.30 per card transaction. ACH: 0.8%, max $5.
Stripe vs PayPal? ▾
Stripe: 2.9%+$0.30. PayPal: 3.49%+$0.49. Stripe is cheaper, especially for developers.
Can I pass Stripe fees to customers? ▾
Yes in most jurisdictions — add a payment processing fee or gross-up your invoice.
Volume discounts? ▾
Available for $100k+/month. Contact Stripe for custom rates.
Stripe Radar? ▾
Free fraud detection included. Advanced Radar costs $0.02/transaction.