Stripe's standard U.S. fee for a successful online domestic card payment is 2.9% plus $0.30. That is a useful starting point, but it is not a universal Stripe rate. Manually entered cards, international cards, currency conversion, in-person Terminal payments, ACH Direct Debit, Link Instant Bank Payments, disputes, and optional Stripe products use different prices.
A Stripe fee calculator should therefore begin with the payment method and the entire amount Stripe processes. Item cost, seller-paid shipping, and packaging affect profit, but they do not reduce the processed amount. This guide and calculator use Stripe's public U.S. standard pricing reviewed July 23, 2026. Businesses with custom contracts or accounts in other countries must replace these assumptions with their Dashboard pricing.
What is the standard Stripe fee in the United States?
Stripe lists 2.9% plus $0.30 for each successful online domestic card transaction under standard U.S. pricing. The percentage applies to the amount processed. If a checkout charges $100 for a product, $10 for shipping, and $8 in sales tax, the processed amount is $118. The estimated fee is $118 multiplied by 2.9%, plus $0.30, which equals $3.72 after rounding to cents.
The merchant's operating revenue and taxable revenue can be defined differently for accounting, but that does not change the payment amount used in this estimate. The calculator shows buyer shipping and sales tax separately so the fee base remains visible. It labels the processed balance after Stripe's fee separately from seller revenue after removing collected tax, so tax liability is not mistaken for profit.
- Online domestic card: 2.9% + $0.30
- Fee base: full payment amount processed
- Balance after fee: processed amount minus the processing fee
- Profit: seller revenue after fee and collected tax, minus inventory and fulfillment costs
How do manually entered and international card fees work?
Stripe's U.S. pricing adds 0.5% when card details are manually entered. A domestic manually entered card therefore models as 3.4% plus $0.30. On a $500 payment, that is $17.30, compared with $14.80 for the standard online domestic-card assumption. The extra $2.50 is the 0.5% adjustment on $500.
International cards add 1.5% to the online card rate, producing 4.4% plus $0.30 before currency conversion. If currency conversion is required, Stripe lists another 1%. The calculator includes a 4.4% international-card choice but does not silently add the conversion charge because an international card does not always require conversion. For a converted international payment, edit the percentage to 5.4% and confirm the treatment in your Stripe account.
What does Stripe Terminal cost for an in-person payment?
Stripe lists 2.7% plus $0.05 for a successful U.S. Terminal transaction using a domestic card. A $100 in-person payment therefore produces an estimated $2.75 fee. International cards add 1.5%. Tap to Pay and optional point-to-point encryption can add authorization charges, and reader hardware is a separate cost rather than a per-sale processing fee.
Do not use the Terminal rate for a keyed payment simply because the customer is standing at the counter. The payment method and integration determine the applicable price. Reconcile the calculator's estimate with the payment details and balance transaction in Stripe, especially when an authorization, tip adjustment, refund, or offline flow is involved.
How are Stripe ACH and Link bank-payment fees calculated?
Stripe's standard U.S. price for ACH Direct Debit is 0.8% with a $5 cap. A $100 debit costs an estimated $0.80. A $1,000 debit reaches the cap, so the estimate is $5 rather than $8. This capped formula is materially different from card pricing and is why the calculator stores both a percentage and a fee cap.
Link Instant Bank Payments are listed at 2.6% plus $0.30 per successful transaction. That is different from ACH Direct Debit even though both move money from a bank account. Choose the exact payment method shown in Stripe. ACH returns, verification services, and other bank-payment products can create costs that are not part of the successful-payment estimate.
How do you reverse-calculate a Stripe charge?
To receive a target amount after a simple percentage fee and fixed fee, divide the desired net amount plus the fixed fee by one minus the percentage rate. To net $100 after a 2.9% plus $0.30 fee, the mathematical result is ($100 + $0.30) divided by 0.971, or about $103.30. Cent rounding matters, so the calculator searches prices in cents and checks that the modeled profit reaches the target.
The calculator's target-price result includes the item cost, seller-paid shipping, packaging, and target profit. Suppose those costs total $46.50 and the target profit is $30. With no buyer shipping, the sale must leave at least $76.50 after the fee. The reverse solver raises the sale price until the rounded Stripe fee and remaining payout satisfy that target. This is a planning estimate, not permission to surcharge a cardholder. Card-network rules, Stripe terms, and local law govern surcharges.
- Simple reverse formula: (desired net + fixed fee) ÷ (1 − rate)
- Use the full fee rate as a decimal
- Check cent rounding at the final price
- Do not present a surcharge without checking applicable rules
Worked Stripe fee examples
Example one is a $100 online domestic card payment with no separate shipping or tax. The percentage portion is $2.90 and the fixed portion is $0.30, for a $3.20 fee and $96.80 net payout before business costs. If the product and fulfillment cost $60, modeled profit is $36.80 and margin is 36.8% of seller revenue.
Example two is an $118 processed total made up of a $100 item, $10 buyer-paid shipping, and $8 sales tax. At 2.9% plus $0.30, the fee is $3.72. Stripe's balance after the fee is $114.28. After separating the $8 collected-tax liability, modeled seller revenue before inventory and fulfillment costs is $106.28.
Example three is a $1,000 ACH Direct Debit. Multiplying by 0.8% produces $8, but Stripe's listed $5 cap reduces the estimated processing fee to $5. The net before costs is $995. These examples assume successful payments and standard U.S. pricing; they do not include disputes, refunds, Billing, Tax, Connect, Instant Payouts, or negotiated prices.
Which Stripe costs are outside this calculator?
Stripe prices many products independently. Dispute fees, Smart Disputes, Instant Payouts, Billing, Invoicing, Tax, Radar custom pricing, Connect, Managed Payments, currency conversion, local payment methods, and hardware may add charges. A refund can also affect economics even when the original payment fee treatment follows the account's current policy.
Use this calculator to estimate one successful payment, payout, profit, and target charge. Then compare the result with the balance transaction in the Stripe Dashboard. If your account has volume discounts, IC+ pricing, multi-product discounts, or a country-specific schedule, select the closest method and edit the visible rate, fixed fee, and cap to match the contract.
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Frequently asked questions
How much does Stripe charge for a $100 payment?
Under standard U.S. online domestic-card pricing, 2.9% plus $0.30 produces a $3.20 fee on $100. Other payment methods and custom pricing differ.
Does Stripe charge its fee on sales tax and shipping?
The fee is based on the full amount processed. When shipping and tax are included in the charge, they increase the processing-fee base.
What is the Stripe ACH fee?
Stripe's public U.S. standard pricing lists ACH Direct Debit at 0.8% with a $5 cap. Other ACH products and account agreements can differ.
Are Stripe fees refunded when a payment is refunded?
Refund economics and fee treatment can change by product and account policy. Check Stripe's current refund documentation and the actual balance transaction rather than assuming the original processing fee is returned.
Can I charge the customer for Stripe fees?
Surcharge and convenience-fee rules depend on Stripe's terms, card-network rules, payment method, and local law. The reverse calculation is a pricing tool, not legal authorization to add a surcharge.