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Stripe fee calculator

What Stripe takes from a card payment, and what to charge to receive the amount you want.

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Change it if your rate is different.

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Extra fees that apply
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Standard pay-as-you-go pricing for US accounts. Disputes cost extra, and high-volume businesses can ask for custom rates. Check the current rates at stripe.com/pricing.

How Stripe's fees work

Stripe charges a percentage of each card payment plus a small fixed fee. The rate depends on where your Stripe account is and where the card comes from. A US account pays 2.9% + 30¢ for an online card payment, with 1.5% more for cards issued outside the US. UK and EU accounts pay much less for local consumer cards (1.5% + 20p or €0.25), because European rules cap the bank fees behind them, but more for business cards and cards from abroad.

If Stripe has to convert the currency before paying it into your bank, there's a conversion fee on top.

Charging so you receive the full amount

Adding the fee percentage to your price doesn't quite work, because the fee is charged on the higher amount too. To receive exactly what you want, divide by what's left after the percentage:

Amount to charge = (amount you want + fixed fee) ÷ (1 − percentage fee ÷ 100)

For example, to receive 500 when the fee is 2.9% + 0.30: (500 + 0.30) ÷ 0.971 = 515.24. Choose "I want to receive" in the calculator and it does this for you.

Can you pass fees on to customers?

It depends on where you are and who you sell to. In the UK and the EU, businesses may not add a surcharge for paying with consumer cards. In the US, card surcharges are allowed in most states, with limits and disclosure rules. Everywhere, you can simply set your prices to cover your costs, and offer a cheaper way to pay, such as a bank transfer. Our invoice generator puts your bank details on every invoice.

Fees are a business cost

Payment and platform fees are normally a deductible business expense. Keep your monthly statements from Stripe, PayPal or the platform for your accounts. To set a rate that covers fees, costs and time off, try our day rate calculator.

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Questions people ask

›How much does Stripe charge per transaction?

For a US account, 2.9% + 30¢ per successful online card payment, plus 1.5% for international cards and 1% if currency conversion is needed. UK accounts pay 1.5% + 20p for standard UK cards; EU accounts 1.5% + €0.25 for standard EEA cards.

›Why doesn't adding the fee percentage to my price cover it?

Because the fee is charged on the whole amount, including the part you added. To receive 100 after a 3% fee you need to charge 100 ÷ 0.97 = 103.09, not 103.

›Are these fees up to date?

They're the published standard rates as we last checked them (October 2026). Providers change their pricing, rates differ by country, and larger businesses often get custom pricing, so every value in the calculator can be changed to match your own statement.