WHAT STRIPE KEEPS
Stripe Fee Calculator for What You Keep From Every Charge
Enter what the customer pays and the calculator above shows the Stripe processing fee and what lands in your balance, with switches for international cards, currency conversion and Instant Payouts. It also works backward, showing the price to charge so a set amount arrives after fees.
US standard pricing as published by Stripe. Negotiated and local rates differ, so edit the percent and fixed fee to match your account. Estimates only, not tax or accounting advice.
In short
Stripe's standard US pricing for online card payments is 2.9% plus $0.30 per successful charge. International cards add 1.5%, currency conversion adds 1%, and Instant Payouts cost 1% with a $0.50 minimum. On a $100 charge Stripe keeps $3.20, so $96.80 lands in your balance. The fixed $0.30 matters most on small charges.
Published rates
Stripe card fees in the US and when each applies
Standard published pricing. Accounts on custom or negotiated pricing pay different rates, so edit the percent and fixed fee in the calculator.
| Fee | Rate | Charged on | When it applies |
|---|---|---|---|
| Card processing | 2.9% + $0.30 | Each successful charge | Every domestic card payment |
| International cards | +1.5% | The charge amount | Cards issued outside the US |
| Currency conversion | +1% | The charge amount | When the charge needs converting to your currency |
| Instant Payouts | 1%, $0.50 minimum | The payout amount | Only when you cash out immediately |
Published rates
What Stripe keeps at different charge sizes
Worked examples at the standard 2.9% + $0.30 rate. The effective rate falls as the charge grows because $0.30 is flat.
| Customer pays | Stripe fee | You keep | Stripe keeps |
|---|---|---|---|
| $10 | $0.59 | $9.41 | 5.9% |
| $30 | $1.17 | $28.83 | 3.9% |
| $100 | $3.20 | $96.80 | 3.2% |
| $500 | $14.80 | $485.20 | 3.0% |
| $100 international card | $4.70 | $95.30 | 4.7% |
| $100 international card with conversion | $5.70 | $94.30 | 5.7% |
Why it matters
What this line of the statement buys you
The fixed fee shown on small charges
On a $10 sale the $0.30 is three percent by itself. Seeing it on the tape explains why low-priced products and tips lose more to processing than the headline percentage suggests.
Add-ons that stack
International cards and currency conversion add to the base rate. Switching them on shows the fee on a charge from a customer abroad before you quote a price.
Charge enough to land a set amount
The gross-up chip tells you what to charge so that exactly the amount you need arrives after Stripe takes its fee.
Every payout, not one charge
A calculator answers one charge. Earnly reads your Stripe payouts alongside YouTube, Etsy and Patreon so the fee picture covers the whole month.
How you use it
From export file to answer
Enter the charge amount
Use the total the customer pays, including any tax or shipping you charge through Stripe.
Keep or edit the rate
The default is 2.9% + $0.30. Change it if your account has custom pricing.
Switch on the add-ons
Tick international card, currency conversion or Instant Payout when they apply.
Read what you keep
The result shows the fee, the amount you keep and the price to charge so a target amount lands.
It works the same for every kind of seller: see it in action for freelancers, amazon sellers, youtubers or check the income tracker pricing.
Questions people actually ask
How much does Stripe charge per transaction?
Standard US pricing is 2.9% plus $0.30 per successful card charge. On a $100 charge that is $3.20.
Does Stripe charge extra for international cards?
Yes. Cards issued outside the US add 1.5%, and a charge that needs currency conversion adds another 1%.
Does Stripe refund its fee on a refund?
Stripe generally does not return the processing fee on a refunded charge, so a refund costs you the fee on top of the money returned. Check Stripe's current terms for your account.
How do I charge enough to cover Stripe fees?
Add the fixed fee to the amount you want, then divide by one minus the percent rate. For $100 at 2.9% + $0.30 that is $100.30 divided by 0.971, about $103.30.
When does Stripe pay out?
On a standard schedule, with timing that depends on your country and account history. Our Stripe payout schedule guide covers it.
Can I see Stripe next to my other income?
Yes. Earnly records Stripe payouts with your other sources on one board, and the PayPal fee calculator covers the other common processor. See also Stripe and QuickBooks.