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Stripe Fee Calculator

Computes the Stripe processing fee and net payout for a US card payment using Stripe's published standard pricing (as of 2026-09: 2.9 % + $0.30 per successful domestic card charge, +1.5 % international cards, +1 % currency conversion, +0.5 % manually entered cards), or the gross amount to charge to net a target.

Amount (USD)Gross charge amount (or, with solve_for = amount_to_charge, the net amount you want to receive). Card origin (optional)Where the card was issued. Currency conversion (optional)Charge is in a currency different from your payout currency: adds 1 %. Manually entered card (optional)Card details keyed in (Dashboard / virtual terminal): adds 0.5 %. Rate override (%) (optional)Optional base percentage to use instead of 2.9 (surcharges are still added). Fixed fee override (USD) (optional)Optional fixed fee per charge to use instead of $0.30. Solve for (optional)fee_on_amount treats amount as the gross charge and returns the fee and net; amount_to_charge treats amount as the net you want to receive and returns the gross price to charge.

When to use

You charge customers through Stripe and need the fee on a payment, the payout after fees, or the price to charge so that you receive a specific amount.

Do not use when: Your account has custom or interchange-plus pricing or is outside the US (enter your rates with rate_percent and fixed_fee), or the payment goes through PayPal (paypal-fee).

Formula

rate = 2.9 % + 1.5 % (international) + 1 % (currency conversion) + 0.5 % (manually entered); fee = gross × rate/100 + 0.30; net = gross − fee; gross for a target net = (net + 0.30) / (1 − rate/100)

Stripe's standard US pricing as of 2026-09; ACH, Link, disputes ($15) and Radar/Billing add-ons are not included. Verify current rates on the source page and override when your account differs.

Inputs

Parameter	Type	Unit	Required	Description
`amount`	number	USD	yes	Gross charge amount (or, with solve_for = amount_to_charge, the net amount you want to receive). Range: > 0, ≤ 1000000000
`card_origin`	enum: domestic \| international		default domestic	Where the card was issued.
`currency_conversion`	boolean		default false	Charge is in a currency different from your payout currency: adds 1 %.
`manually_entered`	boolean		default false	Card details keyed in (Dashboard / virtual terminal): adds 0.5 %.
`rate_percent`	number	%	no	Optional base percentage to use instead of 2.9 (surcharges are still added). Range: ≥ 0, ≤ 50
`fixed_fee`	number	USD	no	Optional fixed fee per charge to use instead of $0.30. Range: ≥ 0, ≤ 100
`solve_for`	enum: fee_on_amount \| amount_to_charge		default fee_on_amount	fee_on_amount treats amount as the gross charge and returns the fee and net; amount_to_charge treats amount as the net you want to receive and returns the gross price to charge.

Outputs

Output	Type	Unit	Description
`rate_percent_applied`	number	%	Percentage fee rate used (preset plus surcharges, or the override).
`fixed_fee_applied`	number		Fixed fee per transaction used.
`gross_amount`	number		Amount the buyer pays.
`fee`	number		gross_amount × rate + fixed fee.
`net_amount`	number		gross_amount − fee.
`effective_fee_percent`	number	%	fee / gross_amount × 100 (the fixed fee makes small sales relatively more expensive).

Example

$100 domestic card: {"amount":100} → {"rate_percent_applied":2.9,"fixed_fee_applied":0.3,"fee":3.2,"net_amount":96.8,"effective_fee_percent":3.2}

$1,000 international card with currency conversion: {"amount":1000,"card_origin":"international","currency_conversion":true} → {"rate_percent_applied":5.4,"fee":54.3,"net_amount":945.7}

GET https://tttkmbb.com/api/v1/calculate/stripe-fee?amount=100

Machine access

API: GET https://tttkmbb.com/api/v1/calculate/stripe-fee (query parameters) or POST with a JSON body {"inputs": {...}}
Schema: https://tttkmbb.com/api/v1/calculators/stripe-fee · Markdown: https://tttkmbb.com/business/stripe-fee.md · JSON definition: https://tttkmbb.com/business/stripe-fee.json
MCP: server https://tttkmbb.com/mcp, tool run_calculator with calculator_id="stripe-fee"
OpenAPI operationId: calculate_stripe_fee
Freshness: static. Authentication: none. Rate limit: fair use (see rate limits).

Sources

Stripe – Pricing (United States), as of 2026-09 (reference)

FAQ

Does the fee apply to refunds?

Stripe returns no fees when a payment is refunded (policy since 2020 in the US), so a refunded sale costs the original fee.

Why is the effective rate higher on small payments?

The fixed 30¢ is a larger share of a small charge: on $5 the total fee is 44.5¢ (8.9 %), on $100 it is $3.20 (3.2 %).

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PayPal Fee Calculator — Compare with PayPal's rates.
Margin and Markup Calculator — Fold processing fees into pricing margins.