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Hazuu Tools

Stripe Fee Calculator

Calculate Stripe processing fees and find out exactly how much you receive after fees for any transaction type.

paymentsStripe Fee Calculator
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Transaction Details

Transaction Amount
$
Transaction Type
Pass Fee to Customer
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Fee Summary

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Enter a transaction amount to see the fee breakdown
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About Stripe Fee Calculator

The Stripe Fee Calculator helps merchants, freelancers, and SaaS founders instantly determine how much Stripe will deduct per transaction and exactly how much they will net. It covers every major Stripe pricing tier: domestic card payments (2.9% + $0.30), international cards (3.9% + $0.30), in-person Terminal swipes (2.7% + $0.05), ACH Direct Debit (0.8%, capped at $5.00), and Invoicing (3.4% + $0.30) — so you can model your true revenue across every payment method before you go live.

The "Pass fee to customer" toggle solves a common billing problem: instead of absorbing the processing cost yourself, you enter the net amount you want to keep and the tool reverse-calculates the gross charge that, after Stripe takes its cut, leaves you with exactly that number. This is useful for service businesses that need to quote all-in prices, or platforms that explicitly pass transaction costs to buyers.

All calculations happen entirely in your browser. No amounts, customer data, or business figures are transmitted to any server. The tool is free, requires no account, and has no usage limits — making it equally useful for a quick back-of-envelope check or a detailed pricing spreadsheet.

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Key Features

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Five Stripe fee tiers in one place

Domestic cards, international cards, in-person Terminal, ACH Direct Debit, and Invoicing are each modeled with their exact rate and flat-fee structure — no need to look up separate rate sheets.

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Pass-fee reverse calculation

Enable the toggle to find the gross amount to charge so that after Stripe deducts its fee you net the exact figure you entered. The formula handles ACH's $5.00 cap correctly as well.

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Effective fee rate display

Alongside the raw fee amount the tool shows your effective percentage cost for the transaction, which matters most when comparing payment methods at different price points.

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ACH cap awareness

ACH Direct Debit charges 0.8% but the fee is capped at $5.00. The calculator detects when the cap kicks in and adjusts the result and fee-breakdown label automatically.

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Real-time results with no submit button

Results update the moment you type or change transaction type, so you can scan multiple amounts quickly without clicking through each time.

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Private and client-side

Your transaction figures never leave the browser. There is no login, no session, and no data stored — safe for quoting real client amounts or confidential pricing models.

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How to Use

01

Enter Transaction Amount

Type the dollar amount of the payment you expect to receive or charge your customer.

02

Select Transaction Type

Choose the payment method — Domestic, International, In-person, ACH Direct Debit, or Invoicing — to apply the correct Stripe fee structure.

03

Toggle Pass Fee to Customer

Optionally enable this to calculate the amount you should charge so that you net your desired amount after Stripe fees.

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Review Results

Instantly see the Stripe fee, net amount you receive, effective fee rate, and (if toggled) the amount to charge your customer.

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Example

A $250.00 domestic card transaction at the standard 2.9% + $0.30 rate. The Stripe fee is $7.55 and you receive $242.45, an effective rate of 3.02%.

Transaction details
Transaction Amount : $250.00
Transaction Type  : Domestic (Standard)
Pass Fee          : Off
Fee summary
Stripe Fee        : -$7.55   (2.9% + $0.30)
You Receive       :  $242.45
Effective Rate    :  3.02%
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Common Use Cases

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    Pricing SaaS subscriptions and one-time charges

    When you set your plan price, the domestic card fee comes straight off the top. Running the numbers before launch lets you decide whether to price at $49 or $50 to hit your target margin after the 2.9% + $0.30 deduction.

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    Deciding between ACH and card for large B2B invoices

    A $10,000 invoice via ACH costs exactly $5.00 in fees, while a domestic card payment costs $290.30. This tool lets you compare those numbers instantly so you can offer the right payment options for your deal size.

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    Quoting clients when you pass processing fees on

    Service businesses and freelancers who charge customers the card fee need the exact gross amount to invoice. Use the pass-fee toggle to get that number without manual algebra — enter what you want to keep and the tool works backward.

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    Modeling international expansion costs

    Accepting cards from outside the US adds a 1% surcharge. Before opening to international customers, use the international tier to see how the extra 1% affects margins on your existing price points.

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    Validating Stripe payouts against expected revenue

    If a batch of transactions did not settle for the amount you expected, enter each amount and type to check whether the arithmetic matches your Stripe Dashboard payout report.

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Frequently Asked Questions

What is the standard Stripe fee for domestic transactions? expand_more
For standard domestic card payments in the United States, Stripe charges 2.9% of the transaction amount plus a flat fee of $0.30 per transaction. For example, on a $100 payment, the fee is $3.20 ($2.90 + $0.30) and you receive $96.80.
How are international transaction fees different? expand_more
International card transactions incur an additional 1% surcharge on top of the standard rate, bringing the total to 3.9% + $0.30 per transaction. This applies when the card was issued outside the United States.
What does "Pass fee to customer" mean? expand_more
When you enable "Pass fee to customer," the calculator reverse-engineers the total amount you should charge so that, after Stripe deducts its fee, you receive exactly the amount you entered. For example, if you want to net $100 on a domestic transaction, you would charge approximately $103.40.
How does the ACH Direct Debit fee work? expand_more
ACH Direct Debit charges 0.8% of the transaction amount with no flat fee, but the fee is capped at a maximum of $5.00 per transaction. This makes ACH very cost-effective for large payments — a $1,000 ACH transfer costs only $5.00 in fees.
What is the Invoicing fee and how does it differ from standard domestic? expand_more
Stripe Invoicing carries a 3.4% + $0.30 fee per transaction — 0.5% higher than the standard domestic card rate of 2.9% + $0.30. The extra 0.5% covers the Invoicing product. If you send invoices through Stripe Billing, select the Invoicing type to see your actual cost rather than the lower domestic card rate.
What is the in-person Terminal fee? expand_more
Card-present (swipe, tap, or dip) transactions processed through a Stripe Terminal reader are charged at 2.7% + $0.05 per transaction — lower than the online domestic card rate because in-person transactions carry less fraud risk.
How is this different from a PayPal or Cash App fee calculator? expand_more
This tool is built specifically around Stripe's published pricing tiers and models Stripe-specific rules such as the ACH $5.00 cap, the Invoicing surcharge, and the Terminal rate. PayPal, Cash App, Fiverr, and Venmo each have different fee structures with their own rules; this calculator does not apply to those platforms. Use the dedicated PayPal Fee Calculator or Cash App Fee Calculator on this site for those services.
Are these fee calculations accurate for my Stripe account? expand_more
This calculator uses Stripe's standard published rates. Your actual fees may differ if you have negotiated custom pricing with Stripe, use Stripe Connect with a different pricing model, or have additional services such as Radar or Stripe Tax enabled. Always confirm your exact fee structure in your Stripe Dashboard.