1. Choose the payment method
Select domestic or international cards, Link bank payments, ACH, Klarna, stablecoins, Terminal, or enter a custom negotiated processing agreement.
Payment processing cost calculator
Stripe Fee Calculator
Estimate Stripe card, wallet, ACH, Link, Klarna, stablecoin, Terminal, international, currency-conversion, Billing, Invoicing, Tax, Managed Payments, Radar, Connect, payout, refund, and dispute costs—then calculate net received, gross-up amount, profit, margin, monthly fees, and annual processing expense.
Current US presets
Stripe product add-ons
Gross-up and profit
Calculate Stripe fees and net payment
Select a current US standard-pricing preset or enter custom fees from your Stripe agreement. Optional product and platform charges remain fully editable.
Stripe pricing varies by account country, payment method,
card origin, presentment and settlement currencies, custom
agreement, product usage, connected-account model, refund
behaviour, dispute handling, taxes on Stripe fees, and payout
method. Compare estimates with your Stripe Dashboard and
contract before final pricing decisions.
How the Stripe Fee Calculator works
The calculator applies the chosen payment-method fee, adds international and conversion charges, layers optional Stripe products and platform costs, estimates retained refund and dispute expense, then calculates net receipts, profit, gross-up pricing, and processing cost at scale.
2. Add the Stripe product stack
Include Billing, Invoicing, Tax, Managed Payments, Radar, Connect, active-account allocations, and payout charges that apply to the payment.
3. Review payment profitability
Calculate the amount received, effective rate, merchant profit, gross-up amount, target-margin charge, and monthly or annual fee exposure.
Core Stripe Fee
Capped Base Percentage + Fixed Fee + Manual Entry +
International + Currency Conversion
Net Amount Received
Payment Amount − Core Fees − Product Fees − Payout Fees
− Expected Refund and Dispute Costs
Gross-Up Amount
Payment Required so Net Receipt after All Entered Fees
Equals the Desired Amount
Signal
Possible meaning
What to review
High effective fee rate
Small payment or layered products
Fixed charges affect low-value payments more heavily. Review international cards, conversion, Billing, Tax, Managed Payments, Connect, Radar, and payout settings.
Frequent refunds
Original fees retained
Stripe generally does not return original processing, Connect, and currency-conversion fees for refunded payments. Improve product information, fulfilment, support, and cancellation handling.
High dispute exposure
Risk and support pressure
Improve fraud screening, billing descriptors, customer communication, delivery evidence, cancellation policy, refund speed, and dispute-response quality.
Large monthly fee total
Custom-pricing opportunity
Compare cards with ACH or local methods, evaluate volume discounts, optimize average order value, and discuss a custom Stripe package where appropriate.
Frequently asked questions
Important details for estimating Stripe processing fees and payment profitability.
What is Stripe's standard US online card fee?
Stripe currently lists standard US pricing for domestic online card and wallet transactions at 2.9% plus $0.30 per successful transaction.
How much extra does Stripe charge for international cards?
The current US standard schedule adds 1.5% for an international card and another 1% when currency conversion is required.
What is Stripe's ACH Direct Debit fee?
Standard US ACH Direct Debit pricing is currently 0.8% per transaction with a $5 cap. Faster settlement, verification, failed-payment, and dispute charges can apply separately.
Does Stripe charge extra for Billing and Invoicing?
Yes, depending on the selected plan and workflow. Current US pay-as-you-go Billing pricing is 0.7% of Billing volume, while Starter Invoicing is 0.4% per paid invoice.
Does Stripe return processing fees after a refund?
Stripe states that most standard payment methods have no separate fee to issue a refund, but the original processing, Connect, and currency conversion fees are not returned.
What are Stripe's dispute fees?
Stripe's current US standard pricing lists a $15 dispute-received fee and a separate $15 fee for a manually countered dispute. The countered fee is returned when the dispute is won.
What is the gross-up amount?
It is the payment amount required so that the merchant retains the desired net amount after all selected percentage, fixed, capped, platform, refund, and dispute costs.
Is this an official Stripe calculator?
No. It is an independent planning tool. Stripe's official pricing page, Dashboard balance transactions, account agreement, and custom pricing schedule remain authoritative for actual fees.