# Stripe Fee Calculator

> Calculate the Stripe fee and your payout for any amount, including international cards and currency conversion — or find the amount to charge so you receive exactly what you need.

- Source: https://plugstack.dev/tools/stripe-fee-calculator/
- Published by: PlugStack
- Last updated: 2026-09-24

## Stripe US pricing used in this calculator

 

| Payment | Rate |
| --- | --- |
| Online card payment, domestic card | 2.9% + 30¢ |
| Card issued outside the US | +1.5% |
| Currency conversion | +1% |
| Manually entered card | +0.5% (3.4% + 30¢) |
| ACH Direct Debit | 0.8%, max $5 |
| Dispute | $15 (+$15 if countered, refunded if won) |

 

Source: stripe.com/pricing, checked on the date at the top of this page. Volume and custom (IC+) pricing is available for larger businesses and will differ.

 

## How surcharges stack

 

A US store charging a European customer in euros pays 2.9% + 1.5% + 1% = **5.4% + 30¢**. On a €100 order that is about €5.70 instead of €3.20. Tick the international and conversion boxes above to see it.

 

## Formulas

 
- **Fee** = amount × rate + $0.30
- **Payout** = amount − fee
- **Charge needed to net X** = (X + 0.30) ÷ (1 − rate)

 

## Ways to lower Stripe costs

 
- **Raise the average order value.** The 30¢ fixed fee is 6% of a $5 order but 0.3% of a $100 one.
- **Offer ACH** for large B2B invoices — capped at $5.
- **Price in the customer’s currency with a local account** where you have enough volume, to avoid conversion fees.
- **Ask for custom pricing** once you process significant monthly volume.

 

Compare with PayPal, WooPayments and Square in the table under the calculator, or read the [PayPal fee calculator](https://plugstack.dev/tools/paypal-fee-calculator/).

## FAQ
### What are Stripe’s fees in the US?
Standard pricing is 2.9% + 30¢ per successful online card payment with domestic cards. Cards issued outside the US add 1.5%, currency conversion adds 1%, and manually entered cards add 0.5%. ACH Direct Debit is 0.8% capped at $5. There are no setup or monthly fees on standard pricing.

### How do I calculate the amount to charge to cover Stripe fees?
Charge = (amount you want + $0.30) ÷ (1 − 0.029). To receive $100: 100.30 ÷ 0.971 = $103.30.

### Does Stripe refund fees on refunds?
Stripe generally does not return the processing fee when you refund a payment. Check your dashboard for the current policy on your account.

### What does a Stripe dispute cost?
A $15 fee when a dispute is opened, plus another $15 if you counter it, which is returned if you win.

### Is WooPayments cheaper than Stripe?
For US cards the standard rates are the same: 2.9% + 30¢, +1.5% for international cards and +1% for currency conversion. The difference is in features and where you manage payments (inside WooCommerce vs the Stripe dashboard).