Stripe Fees Calculator: See Your Net Payout Before You Charge

The number most businesses actually need

Stripe fees are easy to describe and surprisingly easy to misread. The headline rate is only one part of the calculation: a percentage applies to the payment amount and a fixed fee applies to every successful transaction.

The useful result is not just the fee. It is the net payout, the effective fee percentage, and—when you are pricing a product—the amount you need to charge to receive a target amount after fees.

How the standard calculation works

For a standard US card example, the calculation is 2.9% of the charge plus $0.30. A $100 payment produces a $3.20 fee and a $96.80 net before any other adjustments.

Rates can vary by country, card origin, payment method, contract, and account configuration. Use your Stripe pricing agreement for final accounting decisions; use a calculator to model the payment scenarios you care about.

Calculate the price needed to receive a target amount

Reverse pricing answers a different question: “If I need to receive $100, what should I charge?” The formula is (target amount + fixed fee) ÷ (1 − percentage rate). At 2.9% + $0.30, receiving exactly $100 requires a charge of about $103.09.

This is useful for invoices, service packages, and checkout prices where the business—not the customer—is absorbing processing costs.

Do not forget international cards and refunds

• International cards can add a separate cross-border surcharge.
• Currency conversion can add another fee when the payment currency and settlement currency differ.
• Refunds return the customer’s payment, but the original processing fee may not be returned.
• Disputes and chargebacks should be reviewed separately from normal payment fees.

How to use the calculator

• Enter the amount you plan to charge, or switch to the amount you want to receive.
• Choose the card/payment scenario that best matches the transaction.
• Review the fee, net payout, and effective percentage.
• Optionally add your monthly transaction count to estimate total processing cost.
• Use the result to price the offer, reconcile the payout, or compare payment methods.

Keep the result connected to your books

For bookkeeping, gross revenue, processing fees, refunds, and the net payout can have different accounting treatments. When you export Stripe activity to QuickBooks, preserve the transaction IDs and review the net deposit against the bank feed.

The calculator helps you plan the numbers. The Stripe2QB converter helps you move the export into a reviewable QuickBooks-ready CSV.