Stripe Fees Explained: What Actually Gets Deducted

Gross, fee, and net are three different numbers

On a $100 card payment, gross is $100. The processing fee is the amount Stripe retains. Net is what remains after the fee and is the amount most closely related to a settlement.

The exact rate depends on your country, payment method, contract, and account configuration. Treat examples as a way to understand the math, not as a replacement for your Stripe pricing page.

Why the fixed fee matters

A percentage fee has the same margin impact at every ticket size. A fixed fee does not: it takes a much larger share of a $10 payment than a $100 payment. That is why small-ticket businesses should model effective fee percentage, not just the advertised rate.

International and currency costs

International cards and currency conversion can add separate charges. Keep currency in your export and group your review by currency rather than combining everything into one total.

For multi-currency accounts, reconcile each currency and settlement account separately whenever possible.

Book fees as a cost of payment

• Revenue records the customer-facing sale.
• Processing fees belong in a payment-processing expense account.
• The payout or bank deposit is the net amount.
• Refunds and disputes should remain visible rather than being silently netted away.