Stripe Fee Calculator
Calculate your total Stripe processing fees by payment type. See effective rates, net revenue, and cost per transaction instantly.
How Stripe Fees Are Calculated
Enter Volume & Mix
Input your monthly transaction count, average amount, and payment method distribution.
Get Fee Breakdown
See fees by payment type: domestic cards, international, ACH, plus Stripe Billing and currency conversion.
Compare Scenarios
View how fees scale at different transaction volumes to plan for growth.
Stripe Fee Structure
Domestic Cards:
2.9% + $0.30 per transactionInternational Cards:
3.9% + $0.30 per transactionACH / Bank Transfers:
0.8% per transaction ($5.00 cap)Example: SaaS with 2,000 Monthly Transactions
A B2B SaaS company processes 2,000 transactions per month averaging $75 each, with 85% domestic cards, 10% international, and 5% ACH. They use Stripe Billing for subscriptions.
| Payment Type | Transactions | Monthly Fee |
|---|---|---|
| Domestic cards (85%) | 1,700 | $4,208 |
| International cards (10%) | 200 | $645 |
| ACH transfers (5%) | 100 | $60 |
| Stripe Billing (0.5%) | - | $750 |
| Total Monthly Fees | $5,663 |
Results
At this volume, shifting 10% more transactions to ACH would save ~$600/month. Track your actual fees against these estimates with a profitability calculator.
Who This Calculator Is For
SaaS Founders
Model payment processing costs as you scale and optimize your payment method mix.
E-commerce Operators
Understand true transaction costs across domestic and international orders.
Finance Teams
Forecast payment processing expenses and compare against alternative processors.
Frequently Asked Questions
What are Stripe's standard processing fees?
Stripe charges 2.9% + $0.30 per domestic card transaction, 3.9% + $0.30 for international cards, and 0.8% (capped at $5) for ACH bank transfers. If you use Stripe Billing for subscriptions, add 0.5%. Currency conversion adds another 1%.
How can I reduce my Stripe fees?
Encourage ACH payments for larger transactions (0.8% vs 2.9%), increase average transaction size to dilute the $0.30 fixed fee, negotiate custom rates at high volume (>$1M/month), and minimize international transactions where possible. Use our profitability calculator to model the impact.
What is Stripe Billing and when should I use it?
Stripe Billing adds 0.5% on top of standard processing fees but handles subscription management, invoicing, proration, and dunning automatically. It is worth it if you have recurring billing and want to reduce churn from failed payments. For more context, see our guide on Stripe revenue reporting for multiple products.
Does Stripe offer volume discounts?
Yes. Businesses processing over $1M per month can negotiate custom pricing with Stripe, often achieving rates of 2.2-2.5% + $0.30 or lower. Contact Stripe sales directly with your volume data and payment method mix for a custom quote.
How does the effective fee rate differ from the published rate?
The effective fee rate includes the impact of the $0.30 fixed fee per transaction, which hits smaller transactions harder. A $10 transaction at 2.9% + $0.30 has an effective rate of 5.9%, while a $100 transaction is only 3.2%. Your payment mix, average order value, and add-on fees all affect your true cost.
Track Your Stripe Fees Automatically
Connect Stripe and get real-time fee tracking, revenue reporting, and profitability analysis across all your products.