Calculate Stripe processing fees and find out exactly how much to charge to receive your desired amount.
Stripe charges a percentage plus a fixed fee per successful card transaction. The standard US online rate is 2.9% + $0.30, but actual rates vary by country, payment method (cards vs ACH vs international), volume, and contract terms. The fee comes out of each transaction; the merchant receives the remaining amount. For invoicing, refunds, and pricing decisions, knowing the exact net per transaction matters.
This calculator computes either direction. Given a charge amount, it returns the Stripe fee and the net deposit. Given a target net amount, it computes the gross charge needed to receive exactly that net after the fee. The latter is essential for invoicing where the customer should bear the fee — the merchant charges enough to net the desired amount.
The calculator uses the standard US rate by default and lets you override for international rates, ACH (lower percentage), or custom volume-discounted rates. Output is informational; for authoritative numbers, refer to your Stripe dashboard or contract.
Pricing decisions need to account for processing fees. A $100 product priced without fee awareness yields $97.10 net per US card sale. Multiplied across hundreds or thousands of transactions, the unaccounted fee adds up to material money.
Invoicing situations also frequently require gross-up calculations. A consultant invoicing $500 needs to charge approximately $515.21 to net $500 after fees. Doing this calculation by hand is error-prone, especially when fees, currency, and rounding all interact.
Enter the charge amount or target net.
Standard fee formula: fee = (amount × percentage) + fixed_fee. Net = amount − fee. For US online cards, percentage = 0.029 and fixed_fee = 0.30.
Inverse (target net to gross): gross = (target_net + fixed_fee) / (1 − percentage). This solves the equation gross − (gross × percentage + fixed_fee) = target_net.
Edge cases: international cards have a 1% currency conversion fee on top of the standard rate when converting. Disputes (chargebacks) carry a $15 fee separately. Refunds return the original amount but Stripe does not refund the original processing fee, effectively converting it to a loss.