Stripe Fee Calculator – Calculate Stripe Processing Fees & Costs
Use our free Stripe Fee Calculator to quickly calculate Stripe processing fees for credit card payments, invoices, and ACH transfers. Find out how much Stripe charges per transaction, so that you can optimize your costs according to that
Stripe Fees Calculator
Find Stripe’s processing fees for all types payment methods and stripe features. Type your transaction amount and get a breakdown of stripe transaction fee and your payout.
Stripe Fees: $0.00
You will receive: $0.00
How to Use the Stripe Fee Calculator
With our Stripe Processing Fees Calculator you can estimate Stripe transaction fees and find exactly how much you’ll receive after the processing payments.
Follow these steps to calculate Stripe fees:
1. Enter Your Sale Revenue
Entering the transaction amount in the Stripe Payment Calculator. The tool will instantly display:
- Stripe transaction fees that will get deducted from your revenue and
- The final amount you’ll receive after processing fees
2. Select Payment Method
- Credit/Debit Card – If the customer pays using a Visa, MasterCard, or other card
- Digital Wallet – For Google Pay, Apple Pay, or similar wallets
- ACH Payment – If the payment is made via direct bank transfer
3. Choose the Card Type
Choose whether the transaction is domestic or international if the payment is made through card type or digital wallet
4. Manual Entry Option
If the card details are typed by the customer manually, select Manual Entry.
5. Currency Conversion
If the transaction involves a foreign currency, enable Currency Conversion for in exchange rate adjustments.
6. Invoice Payment
If you generate a Stripe invoice post purchase, enable this option to calculate additional invoice-related fees.
7. Stripe Tax Calculation
If you generate a Stripe invoice post purchase, enable this option to calculate additional invoice-related fees.
8. Instant Payouts
If you want to withdraw money instantly, select instant payout
9. Custom Domain for Checkout
If you’re using a custom domain for Stripe-hosted checkout pages, select this option to reflect any extra costs.
10. Stripe Billing Features
If you use Stripe Billing for subscriptions or automatic renewals, enable this option to include relevant fees in your calculation.
11. Accounting & Reporting
If Stripe manages your accounts, reports, and reconciliation, check Accounting to factor in associated costs.
While selecting the options one by one, the Stripe fee calculation gets updated in the result area.
Stripe Processing Fees – How Much Does Stripe Charge?
Stripe’s pricing structure can be overwhelming for first-time users. With different Stripe rates for credit cards, digital wallets, ACH payments, and international transactions, it’s common to ask: “How much does Stripe charge?”
Don’t worry! We’ll break down Stripe pricing, the Stripe credit card fee, and other Stripe service charges in a simple way.
Stripe Credit Card Processing Fees
If a customer pays using a credit or debit card, Stripe applies the following charges:
| Transaction Type | Stripe Cost |
|---|---|
| Standard credit/debit card fee | 2.9% + 30¢ per transaction |
| Manual card entry | Additional 0.5% |
| International card payments | Additional 1.5% |
| Currency conversion | Additional 1% |
💡 Example: If you process a $100 payment from an international card, your total Stripe service charge will be:
- Standard fee: 2.9% of $100 = $2.90
- International fee: 1.5% of $100 = $1.50
- Total deduction: $4.40 + 30¢ = $4.70
- Final payout: $95.30
Stripe Digital Wallet Fees
Payments made through Google Pay, Apple Pay, or Amazon Pay follow the same Stripe pricing as credit card transactions:
| Digital Wallet Payments | Stripe Rates |
|---|---|
| Standard fee for Google Pay, Apple Pay, Amazon Pay | 2.9% + 30¢ per transaction |
| International payments | Additional 1.5% |
Stripe treats digital wallet transactions the same as credit card payments, meaning additional charges apply for international transactions, currency conversion, and manual entry.
Stripe ACH & Bank Transfer Fees
For ACH bank debits and direct bank transfers, Stripe charges lower transaction fees:
| ACH/Bank Transfer Payments | Stripe Cost |
|---|---|
| ACH payment processing fee | 0.8% per transaction (capped at $5) |
| Instant payout (funds settled in 2 days) | Additional 1.2% |
| Manual entry & currency conversion | No extra charge |
💡 Example:
- A $500 ACH payment will incur a 0.8% fee ($4)
- A $10,000 ACH payment will be capped at $5, not $80 (0.8% of $10,000)
What Percent Does Stripe Take?
Here’s a quick breakdown of different Stripe rates for payment method, country, and any additional features used.- Standard card payments: 2.9% + 30¢
- International cards: Up to 4.4% (including extra fees)
- ACH payments: 0.8% (capped at $5)
- Instant payouts for ACH Payments: Additional 1.2%
How Much Does Stripe Charge for Invoices & Subscriptions?
Stripe offers tools for invoicing and subscription billing, helping businesses manage payments efficiently. Here is the break down of Stripe invoicing pricing and Stripe subscription fees so you can understand the costs involved.
Stripe Invoice Fee Breakdown
Stripe invoices allow businesses to generate and send professional invoices directly from Stripe dashboard or API. These invoices support online payments and automated follow-ups.
Stripe offers two invoice pricing plans
| Stripe Invoice Plan | Stripe Invoice Pricing | Key Features |
|---|---|---|
| Invoice Starter | 0.4% of transaction | Send invoice links, automatic collection, email reminders |
| Invoice Plus | 0.5% of transaction | Everything in Starter + create quotes before invoicing |
💡 Example:
If you send an invoice for a $1,000 sale using the Invoice Starter plan, you will pay $4 (0.4%) in Stripe invoicing pricing.
Stripe Subscription Plans & Recurring Fees
If you’re running a subscription-based business, Stripe allows you to set up automated recurring billing.
But how much does Stripe charge for subscriptions?
| Feature | Stripe Subscription Fees |
|---|---|
| Subscription & Billing | 0.7% per recurring transaction |
With subscription and billing feature, you will get:
💡 Example: If you charge a customer $50 per month for a subscription, Stripe will deduct $0.35 (0.7%) per payment.
- Recurring Payments – Automate monthly or yearly charges for your customers.
- Automatic Email Reminders – Notify customers about missed or upcoming payments.
- Customer Portal – Allow customers to update billing details or manage subscriptions.
- Quotes & Estimates – Send pricing estimates before starting a subscription.
💡 Example: If you charge a customer $50 per month for a subscription, Stripe will deduct $0.35 (0.7%) per payment.
Stripe vs PayPal vs Square – Which Payment Processor Has the Lowest Fees?
Let’s compare Stripe vs PayPal fees and Stripe vs Square fees to determine which one offers the best value for your business.
| Feature | Stripe | PayPal | Square |
|---|---|---|---|
| Transaction Fee (Domestic Cards) | 2.9% + 30¢ | 2.99% + 49¢ | 2.9% + 30¢ |
| International Transaction Fee | +1.5% | +1.5% | Same as domestic |
| Currency Conversion Fee | 1% | 4% | Varies by country |
| ACH Bank Transfers | 0.8% (capped at $5) | 0.8% (capped at $5) | 1% (min $1, max $10) |
| Instant Payouts | 1.5% extra | 1.5% extra | 1.75% extra |
💡 Key Differences:
- PayPal has higher fixed fees (49¢ per transaction) and a higher currency conversion charge (4%).
- Square does not charge extra for international transactions but has higher instant payout and chargeback fees.
- Stripe offers the lowest ACH bank transfer fees and no refund processing fees, making it ideal for subscription-based businesses.
Which Payment Processor Should You Choose?
✅ Choose Stripe if:
- You process a lot of international payments and want the lowest ACH transfer fees.
- You need seamless API integration for SaaS, e-commerce, or marketplaces.
- You want to avoid refund fees and keep your pricing predictable.
- You rely on PayPal’s massive user base for easy checkouts.
- You don’t mind higher currency conversion and transaction fees.
- You run a brick-and-mortar store and need POS solutions.
- You want simple pricing with no international fees.
