Project processing cost on a Checkout or Payment Element charge before you publish pricing pages.
Calculate Stripe fees
Sale total$79.00
Estimated fees$2.59
You keep (est.)$76.41
Effective fee %3.28%
Default: US Stripe online card rate 2.9% + $0.30.
Radar, billing, Connect, and international cards change the total.
Not affiliated with Stripe. Confirm on stripe.com/pricing.
Stripe fee basics for founders
The common US online card rate is 2.9% + $0.30. That is the default behind this stripe fee calculator. In-person, ACH, international cards, Billing, Tax, Radar for Fraud Teams, and Connect each add their own lines. Start with the base card rate when you are still validating a price point.
Pass fees to customers? Laws and card network rules vary. Many products bake fees into the list price instead of a checkout surcharge.
Subscriptions? Billing can add 0.5% or more on top of card processing for some products. Check your Stripe dashboard.
Blended versus interchange plus
Most early startups stay on a blended 2.9% + $0.30 style rate. Higher volume accounts may negotiate interchange plus pricing. This calculator intentionally stays on the public blended default so founders do not underprice while still on startup economics. If your Stripe representative quotes a different schedule, override the mental model and recompute nets in a spreadsheet using the same charge amounts.
International cards, currency conversion, and authentications can push the effective rate above 2.9%. If more than a fifth of your volume is cross-border, add a buffer when setting list prices. Radar and Billing add product fees that are easy to miss during a launch week.
Subscriptions, trials, and failed payments
Trials that convert still pay processing on the first live invoice. Failed renewals may retry and generate multiple authorization attempts. Smart Retry can improve recovery but does not erase the base processing fee on successful charges. Model annual plans not only for cash flow but also for fewer failed monthly cycles.
Marketplace and platform sellers on Connect
Stripe Connect introduces application fees you define plus Stripe's processing. This page does not model Connect. If you take a platform cut, compute your application fee and the Stripe charge separately so both sides of the marketplace understand net payouts.
Using the calculator in packaging decisions
Round price points like $49 and $99 feel clean but can hide fee drag. Sometimes $52 or $103 better absorb the fixed $0.30 while staying marketable. Run three candidate prices through the form and pick based on net, not vanity.
Compliance tone
We are not Stripe. Schemas, pricing tables, and country availability change. Link out to the official pricing page before you ship a launch announcement. Keep this tool as a planning layer beside your dashboard reports.
Probe notes
Stripe intent here is founder pricing hygiene, not a full billing suite. The calculator answers the first question on a pricing page redesign: what do we keep after cards. Longer essays about Connect or Tax belong in later iterations if search data supports them.
Cross-links back to marketplace calculators help multi-channel sellers compare apples to oranges without opening five unrelated tools.
Card brand mix and effective rate
American Express and some international brands can settle above the starter blended rate. If your dashboard shows an effective rate near 3.2% after a month of traffic, re-run this calculator with a mental premium or adjust list prices. Do not wait for annual planning to notice the gap. Weekly dashboard glances beat quarterly surprises.
Refunds return the percentage in many cases but behavior around the fixed fee can differ. Chargebacks add separate costs. Build a small buffer into contribution margin for those events instead of treating the calculator net as locked profit.