Stripe's fee is simple — the fixed 30 cents is the part that bites
Stripe's published US pricing is one line: 2.9% + $0.30 per successful card charge. Because the 30 cents never scales, the effective rate depends heavily on your ticket size: 5.9% of a $10 charge, 3.2% of $100, 2.93% of $1,000. This calculator shows both the headline rate and the effective one, adds Stripe's published international-card (+1.5%) and currency-conversion (+1%) uplifts when they apply, and runs backwards — what to charge so the amount you want is what actually settles.
On a $100 charge the fee is $3.20 and you receive $96.80. To receive exactly $100, charge $103.30.
Worked example
At the defaults — a $100 domestic card charge at 2.9% + $0.30 — Stripe keeps $3.20 and you receive $96.80, an effective rate of 3.20%. Tick the international-card box and the same charge costs $4.70, because the extra 1.5% applies to the whole amount, not just the percentage part of the fee.
How to use this calculator
- Enter the amount you charge.
- Leave the rate at the published US default unless you have negotiated custom pricing — then type yours over it.
- Tick international card if the card was issued outside the US, and currency conversion if the charge currency differs from your settlement currency.
- Use the reverse box when pricing: it gives the charge that nets your target after the fee, rounded up to the cent.
What is not in the standard rate
The 2.9% + $0.30 covers the card charge itself. Stripe prices other things separately — Billing for subscriptions, Radar for fraud, instant payouts (1%), and disputes ($15 per dispute) — and none of them is a per-sale processing fee, so none is folded into this calculator. If your real cost of Stripe feels higher than this page shows, it is usually disputes and add-on products, not the headline rate.