Stripe fee calculator
Stripe's standard online rate of 2.9% + $0.30 takes $3.20 from a $100 charge, so $96.80 reaches your balance. Type any amount above for the exact fee — or use reverse mode to price a job so the amount you need survives the fee.
Rates checked Oct 2026 — always confirm on the provider's official fee page. Fees are rounded to the nearest cent, the way the platforms round them.
How the Stripe fee works
Stripe's standard pricing for online card payments in the US is 2.9% + $0.30 per successful charge. The fee is taken from each charge individually, which is why the 30-cent flat part quietly punishes small transactions: on a $5 charge it is 6% before the percentage fee is added.
Businesses with high volume, nonprofit status, or mostly ACH payments may be on different pricing, and add-ons like billing or radar carry their own costs. This calculator covers the standard card rate most small businesses actually pay.
Stripe rates at a glance
| Component | Percent | Flat fee |
|---|---|---|
| Card processing fee | 2.9% | $0.30 |
International cards and currency conversion add extra percentage points on top of the standard rate, and manually entered cards can cost more. Rates checked Oct 2026 — always confirm on Stripe's official pricing page.
What Stripe takes from $10, $100 and $1,000
| You charge | Stripe fee | You receive | Effective rate |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.90% |
| $100.00 | $3.20 | $96.80 | 3.20% |
| $1,000.00 | $29.30 | $970.70 | 2.93% |
Flat fees are why small payments lose the largest share: on a $10 charge the fixed part alone can outweigh the percentage. If your typical ticket is small, the effective-rate column — not the headline rate — is the number to plan around.
Frequently asked questions
How much does Stripe take from $100?
At 2.9% + $0.30, the fee on $100 is $2.90 + $0.30 = $3.20, and $96.80 is paid out.
What should I charge to receive exactly $100 from Stripe?
Charge $103.30. The fee on $103.30 is $3.30 (2.9% is $2.9957, plus $0.30, rounding to $3.30), so $103.30 − $3.30 = $100.00 lands in your balance. The reverse mode above verifies every result this way.
Does Stripe return the fee on a refund?
Under Stripe's standard terms the original processing fee is not returned when you refund a charge. Factor that into your margins if your refund rate is high.
Is ACH cheaper than cards on Stripe?
Usually yes for larger amounts — ACH pricing is a lower percentage with a cap, which is why it suits invoices. This calculator uses the standard card rate; check Stripe's pricing page for current ACH figures.