# 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.

- Calculator id: `stripe-fee` · Category: Business & Marketing (`business`) · Tool name: `calculate_stripe_fee`
- Canonical page: https://tttkmbb.com/business/stripe-fee · This document: https://tttkmbb.com/business/stripe-fee.md · JSON definition: https://tttkmbb.com/business/stripe-fee.json

## Purpose

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.

**Use when:** 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).

## Input

| Parameter | Type | Unit | Required | Description |
| --- | --- | --- | --- | --- |
| `amount` | number | USD | required | Gross charge amount (or, with solve_for = amount_to_charge, the net amount you want to receive). (> 0, max 1000000000) |
| `card_origin` | enum: domestic \| international |  | optional, default "domestic" | Where the card was issued. |
| `currency_conversion` | boolean |  | optional, default false | Charge is in a currency different from your payout currency: adds 1 %. |
| `manually_entered` | boolean |  | optional, default false | Card details keyed in (Dashboard / virtual terminal): adds 0.5 %. |
| `rate_percent` | number | % | optional | Optional base percentage to use instead of 2.9 (surcharges are still added). (min 0, max 50) |
| `fixed_fee` | number | USD | optional | Optional fixed fee per charge to use instead of $0.30. (min 0, max 100) |
| `solve_for` | enum: fee_on_amount \| amount_to_charge |  | optional, 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. |

## Output

| Field | 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). |

## 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.

## Data Sources

- Stripe – Pricing (United States), as of 2026-09 — https://stripe.com/pricing (reference, retrieved 2026-09-24)

Data freshness: `static`. Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output.

## API

- `GET https://tttkmbb.com/api/v1/calculate/stripe-fee?amount=…`
- `POST https://tttkmbb.com/api/v1/calculate/stripe-fee` with JSON body `{"inputs": {…}}`
- Response: unified envelope (`success`, `request`, `result.values`, `result.units`, `sources`, `freshness`, `timestamp`, `next_actions`, `links`); see https://tttkmbb.com/docs/response-format.md
- Schema: https://tttkmbb.com/api/v1/calculators/stripe-fee · OpenAPI operationId `calculate_stripe_fee` in https://tttkmbb.com/openapi.json
- Authentication: none. Rate limit: fair use, see https://tttkmbb.com/docs/rate-limits.md.

## MCP

- Server: `https://tttkmbb.com/mcp` (Streamable HTTP, JSON-RPC 2.0, no auth)
- Tool:  `run_calculator` with `{"calculator_id": "stripe-fee", "inputs": {…}}`

## Example

- $100 domestic card: inputs `{"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: inputs `{"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
```

## Limitations

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). 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. All values are computed from the formula above; no measurement or live data is involved.

## 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 %).

## Related

- [PayPal Fee Calculator](https://tttkmbb.com/business/paypal-fee.md) — Compare with PayPal's rates.
- [Margin and Markup Calculator](https://tttkmbb.com/finance/margin-markup.md) — Fold processing fees into pricing margins.