Stripe Fee & Payout Calculator

Calculate Stripe payment processing fees, international card markups, currency conversion rates, and reverse fee invoicing calculations.

Standard Rate

2.9% + $0.30 USD

Reverse Invoicing

Find exact price to charge

Net Payout

Deposited to bank

International Cards

+1.5% regional fee

Stripe Rates & Location Settings

Net Payout

$96.80

Total Stripe Fee

$3.20

Effective Fee Rate

3.20%

Charge Amount

$100.00

Net Deposit

$96.80

Base Rate Charged

2.9% + $0.30

For a charge of $100.00, Stripe fee is $3.20. Net bank deposit: $96.80.

Stripe Fee Guide & Processing Rate Breakdown 2026

Stripe is one of the world's most widely used payment infrastructures for software platforms, SaaS businesses, and e-commerce stores. Understanding how transaction fees, international card markups, and currency conversion affect your bottom line is vital for accurate pricing.

Standard vs International Stripe Rates

Transaction TypeProcessing RateFixed Fee
US Standard Cards2.9%$0.30 USD
International Cards4.4% (+1.5%)$0.30 USD
Currency Conversion+1.0% additional$0.30 USD
Instant Payouts+1.5% additionalMin $0.50

Forward vs Reverse Fee Calculations

Forward Formula: Fee = (Charge Amount × Rate) + Fixed Fee. For a $100.00 payment, the fee is $3.20, giving a net payout of $96.80.

Reverse Invoicing Formula: Required Charge = (Target Net + Fixed Fee) ÷ (1 - Rate). If you need $100.00 net, you must charge $103.30.

Official References

  • Official Stripe Pricing Directory (Stripe Inc.)
  • Stripe Fee Refund Policy & Merchant Agreement

Frequently Asked Questions

What is Stripe's standard transaction fee rate in 2026?
For standard US credit and debit card processing, Stripe charges 2.9% + $0.30 USD per successful card charge. There are no setup fees, monthly fees, or hidden charges.
How does Stripe's Reverse Fee Calculation work?
When invoicing a client for a specific net amount (e.g. $1,000 USD), you must account for Stripe's fee deduction. Using the reverse formula `Charge = (Target Net + Fixed Fee) ÷ (1 - Percentage Rate)`, charging $1,030.18 results in exactly $1,000.00 deposited into your bank account after Stripe deducts 2.9% + $0.30.
What extra fees does Stripe charge for international payments?
Stripe charges an additional 1.5% for international cards (bringing the rate to 4.4% + $0.30). If currency conversion is required (e.g. charging EUR to a US bank account), Stripe charges an additional 1.0% conversion fee.
Does Stripe refund processing fees when a payment is refunded?
No. When you refund a customer in full or part, Stripe retains the original transaction fees (2.9% + $0.30).

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