Stripe fees calculator
Stripe Fee Calculator: Calculate Processing Fees
Estimate Stripe processing fees before a payment using published card pricing, fixed fees, international-card share, and currency conversion. For fees Stripe already charged, use the separate Balance CSV audit.
Calculate Stripe processing fees
No CSV required. This Stripe fees calculator uses published pricing. For fees Stripe already charged, use the Balance CSV audit.
~1,000 charges/month. Smaller averages make the fixed fee matter more; international share adds ~1.5% uplift on that volume.
Estimated card-processing rate
3.8%
Published pricing estimate for United States, including the international-card and currency-conversion shares entered above.
Published 2.90% + $0.30
$1,750.00/mo
Effective: 3.50%
Estimated processing fees
$1,887.50/mo
$137.50 above published
To receive $100.00 on one domestic charge
Ask for $103.30
Stripe fee about $3.30 (3.2%)
Your estimate (3.8%) is above the domestic-only rate (3.50%) because of the international and conversion shares entered. Refunds, disputes, Billing, Radar, and other Stripe products are not added to this estimate.
Rates checked August 19, 2026. Verify the current schedule on the official Stripe pricing page.
Confirm the real rate from your Balance CSV
Upload to verify the gap — or open a sample report first. Itemized Balance CSV only.
Rates checked August 19, 2026 against Stripe's official pricing. Published list pricing only; your country, payment method, custom agreement, or interchange-plus plan may differ.
This page answers the planning question: “What should Stripe charge for this payment or monthly mix?” It does not infer what Stripe already charged. For actual fees, use the Stripe Balance CSV audit.
US domestic card examples at 2.9% + $0.30
$10 charge
$0.59
5.90% effective
$50 charge
$1.75
3.50% effective
$100 charge
$3.20
3.20% effective
Stripe fee calculation formula
Estimated fee = charge amount × percentage rate + fixed fee + applicable international and conversion fees
For the common US domestic online-card rate, a $100 charge is $100 × 2.9% + $0.30 = $3.20. The effective rate is $3.20 ÷ $100 = 3.2%.
Use the interactive calculator above for monthly volume and average charge size. Fixed fees matter more when transactions are small.
How to calculate Stripe fees
This is a published-price estimate. No Stripe login or CSV is required.
- Choose the Stripe account country that matches your Dashboard pricing.
- Enter monthly card volume and average charge size.
- Add international-card and currency-conversion shares if they apply.
- Read the estimated processing fee, effective rate, and reverse charge amount.
- To measure fees Stripe already charged, use the Balance CSV audit instead of this calculator.
Published-price calculator vs actual fee audit
Stripe Fee Calculator
- —Estimates before a payment
- —Uses published pricing inputs
- —Includes international and conversion shares
- —Does not read Stripe data
Stripe Balance CSV Audit
- ✓Analyzes fees already charged
- ✓Uses your itemized Balance export
- ✓Separates processing rate from all-in cost
- ✓Shows fee drivers and costly rows
What changes the estimate
International cards
Cross-border pricing can add an uplift when the card was issued outside your Stripe account country.
Currency conversion
Conversion pricing can apply when the charge currency differs from your settlement currency.
Refunds and other Stripe products
Refund effects, disputes, Billing, Radar, and other product fees are excluded from this published card-processing estimate.
Custom pricing
Custom and interchange-plus agreements can differ from list pricing; verify your contract in Stripe Dashboard.
Next steps
Official Stripe source
Common questions
How do I calculate Stripe fees?
Use the Stripe fees calculator on this page: enter monthly card volume, average charge size, and optional international or conversion shares. The estimate uses published Stripe card pricing. It does not read your Stripe account or a CSV.
Is this a Stripe processing fee calculator?
Yes. It estimates Stripe processing fees before a payment from published list pricing, including fixed fees and the international or conversion shares you enter. For fees Stripe already charged, use the separate Balance CSV audit.
How much does Stripe charge per transaction?
For many US online card payments, Stripe's published rate is 2.9% + $0.30 per successful charge. On a $100 domestic card payment that is about $3.20 (3.2% effective). See the percentage page for ticket-size examples; use this calculator for a volume mix.
How do I estimate monthly Stripe fees?
Enter monthly card volume and average charge amount. Use the reverse calculator when you know the net amount you want to receive and need the gross amount to charge.
Does the Stripe fee calculator include international cards and currency conversion?
Yes. Enter the share of international card volume and the share requiring currency conversion. The estimate applies the published uplifts for the selected account region. Refunds, disputes, Billing, Radar, and custom pricing are not included.
How do I check actual Stripe fees after they were charged?
Export an itemized Stripe Balance Transactions CSV and upload it on the analyzer. That audit measures fees already charged. This calculator is only a published-price estimate.
Is this also a Stripe credit card or transaction fee calculator?
Yes. Credit-card processing fees and per-transaction fees use the same published-price estimate on this page: percentage + fixed fee, plus any international or conversion share you enter. Queries for Stripe fees calculator, calculate Stripe fees, and Stripe processing fee calculator all belong here — there is no separate tool.
Done estimating? This was only published pricing
Your real effective rate depends on card mix, refunds, and FX in your Balance CSV. Run the free sample first, or upload your own file — no OAuth.