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Payment fees

Stripe Fee Calculator

The 2.9% + 30¢ math on every card charge — and the gross-up trick for when the net amount is what matters.

Stripe fee = charge × 2.9% + $0.30 for standard US card payments. Charge a customer $100 and Stripe keeps $3.20, paying out $96.80. When you need to receive an exact amount, gross up: required charge = (desired net + $0.30) ÷ (1 − 0.029). To net $100 you must charge $103.30 — the fee applies to the larger grossed-up amount, which is why simply adding 2.9% always comes up short. Enter your numbers to see the fee, the payout, and the gross-up in one pass.

Stripe Fee Calculator — your numbers

Net payout

$96.80

Stripe fee

$3.20

Charge this to net your target

$103.30

Estimate only. Results reflect exactly the numbers you enter — verify against your own accounting before making pricing decisions.

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Worked examples

A $100 card charge

Charge amount $100.00
Fee rate 2.9%
Fixed fee $0.30
Desired net (for gross-up) $100.00
Net payout $96.80
Stripe fee $3.20
Charge this to net your target $103.30

$3.20 to Stripe, $96.80 to you; charge $103.30 to net a clean $100.

Small-basket order

Charge amount $45.00
Fee rate 2.9%
Fixed fee $0.30
Desired net (for gross-up) $45.00
Net payout $43.40
Stripe fee $1.61
Charge this to net your target $46.65

On $45 the fee is $1.61 — the $0.30 fixed part is a fifth of it.

Frequently asked questions

What exactly does Stripe's 2.9% + $0.30 cover?

It is the blended rate for a standard online card payment in the US: card network interchange, Stripe's margin, processing and payout. Extras stack on top — +1.5% for international cards, +1% for currency conversion, +0.5% for manually keyed cards, and Instant Payouts cost more. If most of your buyers are overseas, model 4.4% rather than 2.9%.

How do I pass the Stripe fee to the customer legally?

Surcharging card payments is restricted or capped in several US states and by card-network rules, so most businesses raise the price for everyone instead of adding a visible card fee. The gross-up output tells you the price that quietly absorbs the fee: to net $100, list at $103.30. For B2B invoices, offering an ACH option is usually cleaner.

Are refunds and disputes free on Stripe?

No. When you refund a charge, Stripe returns the money to the buyer but keeps the original processing fee, so a refunded $100 sale still costs you $3.20. A dispute (chargeback) costs a separate $15 fee that is returned only if you win. High-refund businesses should fold an expected refund rate into their pricing, not just the headline fee.

Do Stripe's rates change or vary by volume?

The advertised 2.9% + $0.30 has been stable for years, but it is a list price: businesses with meaningful volume negotiate custom pricing, and rates differ by country and payment method (ACH is 0.8% capped at $5). Both fields here are editable — enter your negotiated or regional rate, and confirm current pricing on Stripe's site.

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Part of the Marketplace & Payment Fees collection.