Free Stripe Fee Calculator 2024 - Calculate Processing Fees Instantly
Know exactly how much Stripe charges before you process a payment. Calculate fees for standard, international, and in-person transactions with real-time accuracy.
Stripe Fee Rates (2024)
| Transaction Type | Fee Rate | Fixed Fee (USD) |
|---|---|---|
| Standard Online | 2.9% | $0.30 |
| International Cards | 4.4%* | $0.30 |
| In-Person (Terminal) | 2.7% | $0.05 |
| Stripe Link | 2.9% | $0.30 |
*International includes 1.5% cross-border fee. Add 1% for currency conversion.
How to Use This Calculator
Calculate What You'll Receive
- Select your currency (USD, EUR, GBP, etc.)
- Choose transaction type
- Click "Customer Pays" mode
- Enter the amount customer pays
- See your net revenue after fees
Calculate What to Charge
- Select your currency
- Choose transaction type
- Click "I Want to Receive" mode
- Enter the amount you need
- See what to charge the customer
Stripe Fee Breakdown
Standard Online Payments (2.9% + $0.30)
The default rate for most online card transactions:
- Website checkout
- Invoice payments
- Subscription billing
- API payments
International Cards (4.4% + $0.30)
For cross-border transactions:
- 2.9% base rate
- +1.5% cross-border fee
- +1% currency conversion (if applicable)
In-Person Payments (2.7% + $0.05)
Using Stripe Terminal:
- Card-present transactions
- Lower fraud risk = lower fees
- Chip, tap, or swipe
Stripe Link (2.9% + $0.30)
Stripe's one-click checkout:
- Same rate as standard
- Faster checkout
- Higher conversion
Stripe Fee Formulas
Standard Calculation
Fee = (Amount × Percentage) + Fixed Fee
You Receive = Amount - Fee
Reverse Calculation
Charge Amount = (Desired Amount + Fixed Fee) ÷ (1 - Percentage)
Example: $100 Standard Transaction
- Fee: ($100 × 2.9%) + $0.30 = $3.20
- You receive: $100 - $3.20 = $96.80
- Effective rate: 3.20%
Stripe vs PayPal: Which is Cheaper?
| Transaction | Stripe | PayPal | Winner |
|---|---|---|---|
| $100 Domestic | $3.20 | $3.38 | Stripe |
| $100 International | $4.70 | $5.48 | Stripe |
| $100 In-Person | $2.75 | $2.38 | PayPal |
| Fixed fee | $0.30 | $0.49 | Stripe |
Verdict: Stripe is generally cheaper for online payments, especially international. PayPal wins for in-person transactions.
Additional Stripe Fees to Consider
Optional Add-ons
| Feature | Additional Fee |
|---|---|
| Radar (fraud protection) | $0.05-0.07/transaction |
| Stripe Billing | 0.5% |
| Stripe Connect (platforms) | $2/active account/month |
| Instant Payouts | 1% (min $0.50) |
| Currency conversion | 1% |
Dispute/Chargeback Fees
- $15 per dispute
- Refunded if you win
Tips to Reduce Stripe Fees
1. Volume Discounts
Contact Stripe for custom pricing if you process:
- Over $80,000/month
- Enterprise-level transactions
2. Reduce Fraud
- Use Stripe Radar
- Implement 3D Secure
- Collect billing addresses
3. Optimize Currency
- Bill in customer's currency
- Use local acquiring banks
- Consider Stripe Atlas
4. Encourage ACH/Bank Transfers
- 0.8% capped at $5
- Best for large transactions
FAQs About Stripe Fees
When do Stripe fees apply?
Fees are charged on successful transactions only. No fees for failed payments.
Are there monthly fees?
No monthly fees for standard Stripe accounts. Only per-transaction fees.
How do refunds work?
Stripe returns the percentage fee but keeps the fixed fee. As of 2024, Stripe now returns the full fee for refunds processed within a certain timeframe.
Can I pass fees to customers?
Yes, with surcharging, but check local laws. Some states/countries prohibit this.
Are fees tax-deductible?
Yes, Stripe fees are a business expense and typically tax-deductible.
What about micropayments?
Stripe doesn't offer special micropayment rates like PayPal does.
Why Use Our Stripe Calculator?
- 2024 fee rates — Always current
- Multi-currency — USD, EUR, GBP, CAD, AUD, JPY
- Bidirectional — Calculate send or receive
- 4 transaction types — Complete coverage
- PayPal comparison — Make informed decisions
- One-click copy — Easy sharing
- 100% free — No signup required
Disclaimer
This calculator provides estimates based on publicly available Stripe pricing. Actual fees may vary based on your account type, negotiated rates, and specific transaction details. Always verify with Stripe's official pricing page for exact figures.