stripe fees calculator for 2025 — updated with the latest fee components and real‑world scenarios. This stripe fees calculator helps you convert gross to net and back while accounting for card fees, international uplifts, FX, refunds, and disputes.
stripe fees calculator • Stripe vs PayPal vs Square • International Payments & FX Guide
stripe fees calculator: TL;DR
- Card processing is a percentage + fixed model; cross‑border and FX add uplifts. Always verify live pricing in your dashboard.
- Effective fee% varies with AOV, card mix, international share, refunds, disputes, and payout choices.
- Use Gross→Net for storefronts; use Net→Gross for quotes that must preserve margin. Teams use the stripe fees calculator to quote subscription prices that preserve margin under realistic payment assumptions.
- Micro‑payments suffer from the fixed component—model thresholds or alternative rails. Use the stripe fees calculator to simulate micro‑payments where the fixed fee dominates your effective percentage.
How card & platform fees work
Stripe typically applies a variable rate to the transaction amount plus a fixed fee per successful charge. International cards may add a cross‑border uplift, and currency conversion introduces an FX spread. Optional products (Billing, Radar, Terminal) and payout choices can further affect your all‑in economics.
- Processing fee: % + fixed amount per successful charge.
- International uplift: extra % when cardholder country differs from your account country.
- Currency conversion (FX): when charge currency differs from settlement currency.
- Refunds: fixed fees are often non‑refundable; factor policy into cost. The stripe fees calculator includes fields for dispute rate and refund policy to reflect true net economics.
- Disputes: flat fee plus ops time; prevention beats response.
- Payouts: instant and cross‑border payouts add cost; batching can reduce it.
Our stripe fees calculator supports Net→Gross and Gross→Net modes with inputs for FX and cross‑border uplifts.
Net↔Gross math you can trust
Let r be the variable rate (e.g., 0.029 for 2.9%) and f the fixed fee (e.g., 0.30). For a gross price G and net N after fees:
- Gross→Net:
N = G × (1 − r) − f - Net→Gross:
G = (N + f) / (1 − r)
Include international uplift u and FX add‑on x with r' = r + u + x. For B2B invoices, the stripe fees calculator back‑solves list prices to hit your required take‑home amount.
| Scenario | Inputs | Fees | Net | Effective % |
|---|---|---|---|---|
| Domestic | G=$25; r=2.9%; f=$0.30 | $1.025 | $23.975 | 4.10% |
| International | G=$50; r=2.9%; u=1%; f=$0.30 | $2.25 | $47.75 | 4.50% |
| Micro‑ticket | G=$2; r=2.9%; f=$0.30 | $0.358 | $1.642 | 17.90% |
| Enterprise | G=$500; r=2.9%; f=$0.30 | $14.80 | $485.20 | 2.96% |
SMBs benchmark AOV and approval‑rate sensitivity using the stripe fees calculator.
Regional signals & local methods
- US/CA: 2.9% + $0.30 common; consider ACH for large invoices; wallets can raise approvals.
- EU/UK: SCA/3‑DS improves approval rate; local methods (SEPA, iDEAL) often cheaper.
- MENA/LATAM: Cross‑border and FX frequent—enable local rails where possible.
- APAC: Apple/Google Pay boost mobile conversion; watch settlement currency and FX.
Before changing prices, validate scenarios with the stripe fees calculator and export results for monthly reconciliation.
KPIs to track
- Effective fee % = Total fees / Gross volume.
- Approval rate by method and BIN geography.
- Refund % and refund policy impact (fixed fees unrecoverable?).
- Dispute rate, win rate, and resolution time.
- FX share and blended spread.
- Payout timing, instant payout usage, and costs.
Export CSV from the stripe fees calculator to share scenarios with finance and growth teams.
Profit‑protection playbook
- Define your required net after fees per SKU/plan and target margin.
- Model card mix, international share, refunds, and disputes with realistic assumptions. Link statements to the stripe fees calculator each month to compare expected vs actual fees.
- Use Net→Gross when quoting; use Gross→Net for storefront UX.
- Offer ACH/SEPA/local methods for high tickets; route risky orders via extra checks.
- A/B test inclusive pricing vs allowed surcharging; track conversion impact.
- Reconcile statements monthly using the stripe fees calculator.
Payouts & cash management
Instant payouts improve cash flow at a cost; cross‑border payouts add a % plus a per‑payout fee. Align payout cadence to inventory turns and ad‑spend cycles to avoid negative working capital swings. Teams use the stripe fees calculator to quote subscription prices that preserve margin under realistic payment assumptions.
Currency conversion (FX)
Charging buyers in their local currency can raise conversion but introduces an FX spread. Decide whether to pass through FX or absorb it in price; for enterprise quotes, lock pricing windows. Our stripe fees calculator supports Net→Gross and Gross→Net modes with inputs for FX and cross‑border uplifts.
Benchmarks & scenarios
| Mix | AOV | Intl share | Assumed fees | Effective % |
|---|---|---|---|---|
| Micro‑SaaS | $9 | 20% | 2.9% + $0.30 +1% intl | 7.8–9.2% |
| SMB DTC | $45 | 15% | 2.9% + $0.30 +1% intl | 3.9–4.6% |
| Enterprise SaaS | $500 | 10% | 2.9% + $0.30 +1% intl | 2.8–3.2% |
This stripe fees calculator helps you convert gross to net and back while accounting for card fees, international uplifts, FX, refunds, and disputes. Use the stripe fees calculator to simulate micro‑payments where the fixed fee dominates your effective percentage.
FAQ
How do I use the stripe fees calculator to get my net?
Enter your gross price, base rate, fixed fee, and any international/FX add‑ons. The tool outputs the expected take‑home. Adjust assumptions to match statements.
Is there one global Stripe rate?
No. Rates vary by country, card type, and risk; always verify in your dashboard.
Do refunds return the fixed fee?
Usually not; plan for unrecoverable fixed fees in your policy and pricing.
Should I add a surcharge?
Only where legal and after A/B tests. Consider small inclusive pricing uplifts instead.
Internal links: stripe fees calculator · Stripe vs PayPal vs Square · International Payments & FX Guide
External references: Stripe pricing · Stripe docs