How the charge amount becomes the fee and the net you receive: the percentage runs on the amount (with the international surcharge added when that card type is selected), then the flat per-charge fee is added once. The percentages are the placeholders you entered — Stripe’s pricing differs by country, card type, and product and changes over time, so confirm the current figures on Stripe’s pricing page.
Step
How it is charged
Amount
Transaction amount
Charged to the customer
100.00
Rate applied
2.90% standard
2.90%
Percentage fee
2.90% of amount
2.90
Fixed fee
Flat per successful charge
0.30
Total Stripe fee
Percentage + fixed
3.20
Net received
Amount − fee
96.80
Effective fee rate
Fee ÷ amount
3.20%
Estimates only — not financial, tax, or professional advice.
100% private — every number you enter is calculated in your browser and never sent to our servers.
What it calculates: Stripe Fee, Net Amount Received, Effective Fee %.
Updated 5 June 2026 · Transparent assumptions
A flat amount per transaction is why micro-payments do not work
At a typical 2.9% plus 30 cents, a $100 charge costs $3.20 — an effective 3.2%. A $2 charge costs 36 cents, an effective 18%. The percentage is identical in both cases; the fixed amount is what moves the effective rate.
The calculator reports that effective percentage precisely because it is the figure that changes with order size. It is the number to watch when deciding a minimum order value, or whether to bundle small purchases rather than take them singly.
The surcharge applies to where the card was issued, not where the buyer is
Cards issued outside your account’s country attract an additional percentage, commonly around one point, and a further charge applies when currency conversion is involved. The trigger is the card’s issuing country — a customer physically in your country paying with a foreign card still counts as international.
For a business with meaningful overseas sales this is not a rounding error. Modelling a blended rate across a mixed customer base, rather than the domestic rate alone, is the difference between an accurate margin and an optimistic one.
The fee is deducted before payout, not invoiced later
Stripe deducts its fee from the charge and transfers the net, so the amount that reaches your bank is already reduced. There is no separate invoice to reconcile, which is convenient but makes the cost easy to overlook in revenue reporting.
If you report gross revenue from your own order records and net deposits from the bank, the two will never agree. The difference is this fee, and it belongs in the accounts as a cost rather than as missing revenue.
Disputes, refunds, payouts and the extras
A disputed charge carries a dispute fee that is not returned even if you win, and it can dwarf the original transaction on a small order. Refunds return the customer’s money but the original processing fee is commonly not returned.
Instant payouts, some local payment methods, currency conversion on payout, and optional products such as Billing or Radar each carry their own pricing. This calculator covers the standard card charge, which is the bulk of it but not the whole.
Sources & References
Figures on this page are checked against primary, authoritative sources. Links open in a new tab.
Results are estimates for planning and analysis based on the figures you enter. They are not accounting, tax, or financial advice — verify with your own records and a qualified professional before making decisions.
Published the calculator with its formula, worked example, assumptions, limitations and a bespoke guide, and added an automated formula test suite covering it.
Tested the percentage plus fixed fee, the international card surcharge, and the effective rate the combination produces.
Tested that the effective rate always exceeds the headline percentage and converges toward it as the charge grows.
Add this calculator to your site
Responsive embed — and private: nothing your visitors type leaves their browser.