Stripe Fee Calculator

Stripe payment processing fees are the costs merchants pay to accept credit and debit card payments through Stripe's payment gateway. The standard fee structure consists of a percentage of the transaction amount plus a fixed per-transaction fee, which varies by region. In the US, the standard rate is 2.9% + $0.30 per successful card charge. In the UK and EU, domestic rates are lower at 1.5% + local fixed fee due to regional regulations. Our Stripe fee calculator automatically applies the correct rate based on your selected region, giving you accurate fee estimates for every transaction - whether you're accepting payments in the US, UK, EU, Australia, Canada, Japan, or Singapore.

1. 1. Enter Your Transaction Amount: Start by entering the amount you want to charge a customer. The Stripe fee calculator supports any amount from small microtransactions to large B2B invoices. Use the quick-preset buttons ($10, $25, $50, $100, $250, $500, $1,000, $5,000) to try common transaction sizes instantly. The calculator automatically uses the correct currency symbol and decimal format for your selected region.
2. 2. Select Region & Card Type: Choose your Stripe account region from the dropdown - US, UK, EU, Australia, Canada, Japan, or Singapore. Each region has its own fee structure built into the Stripe fee calculator. Select the card type (Visa/Mastercard or American Express - note that Amex pricing is now the same as standard cards in most regions). Toggle the International Card switch if the customer's card was issued outside your region, which adds a 1.5% surcharge. Toggle Instant Payout if you need the funds immediately rather than waiting for the standard 2-day transfer.
3. 3. Review Your Fee Analysis: The Stripe fee calculator displays a comprehensive fee breakdown: the base processing fee (percentage + fixed), any international surcharge, any instant payout fee, the total fee charged, the net amount you'll receive, and the effective fee rate. The reverse calculation feature shows exactly what gross amount to charge if you need to receive a specific net amount after fees.

• Processing Fee (Percentage + Fixed): The base cost of processing a payment. This varies by region - 2.9% + $0.30 in the US and Canada, 1.5% + £0.20/€0.25 in the UK/EU, 1.75% + A$0.30 in Australia, 2.5% + ¥0 in Japan, and 2.9% + S$0.50 in Singapore. The percentage covers card network fees and Stripe's platform markup.
• International Card Surcharge (1.5%): When a customer uses a card issued outside your Stripe account's region, Stripe adds a 1.5% surcharge on top of the base processing fee. This covers the additional cross-border processing costs and FX risk. Our Stripe fee calculator automatically includes this when you toggle the International Card option.
• Instant Payout Fee (1.5%): Standard Stripe payouts take 2 business days. If you need funds immediately, Stripe offers instant payouts to eligible US debit cards for a 1.5% fee. Our Stripe fee calculator shows you exactly how much this convenience costs for each transaction.
• Effective Fee Rate: The total fees as a percentage of your transaction amount. This consolidates the percentage fee, fixed fee, and any surcharges into a single comparable metric. Our Stripe fee calculator displays this rate and color-codes it: green (under 3% - low cost), amber (3-5% - standard), red (over 5% - high, consider domestic processing).

Stripe's pricing varies significantly by region due to local regulations, card network economics, and competitive dynamics. The US and Canada have higher rates (2.9% + fixed fee) because of higher interchange fees and a more complex card network landscape. UK and EU rates are lower (1.5% + fixed fee) due to the EU Interchange Fee Regulation (IFR) which caps interchange fees. Australia (1.75% + A$0.30) and Japan (2.5% + ¥0) fall in between. Note that American Express now charges the same rates as Visa/Mastercard in most regions as of 2019, so our Stripe fee calculator applies the same rate regardless of card type. Additional fees like chargebacks ($15-$20 per dispute), monthly fees (for some account types), and currency conversion fees are not included in this calculator. All calculations run locally in your browser - no data is sent to any server. This calculator provides estimates based on published Stripe rates; your actual rates may vary based on your specific pricing agreement with Stripe.