Stripe fee calculator

Updated 2026-08-04

Enter the charge amount and your rate. Defaults are the common US card rate — check your own pricing, since it varies by country and volume.

Charge amount

Percentage fee (%)

Fixed fee

Number of payments

You receive

$0.00

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Why the effective rate is higher than the headline

The fixed fee is the part people forget. At 2.9% + 30¢:

Charge	Fee	Effective rate
$3.00	$0.39	13.0%
$10.00	$0.59	5.9%
$49.00	$1.72	3.5%
$199.00	$6.07	3.1%
$1,000.00	$29.30	2.9%

Small payments are disproportionately expensive. This is a real argument for annual plans and for bundling — a $49 annual charge costs $1.72 in fees, while twelve monthly $4.99 charges cost $5.34.

What isn't included

International cards — typically an extra percentage
Currency conversion — another percentage on top
Disputes — a fixed fee per chargeback, usually substantial
Payouts — free in some countries, not others
Stripe Billing / Tax — priced separately

So treat this as a floor rather than an exact figure.

MRR is gross, not net

Worth remembering: by convention MRR does not subtract fees. Track fees as a separate line so you can see both. See gross vs net MRR.

FRGMNT reads Stripe fees exactly from balance transactions, so today's cash shows gross, refunds, fees and net separately. See the Stripe integration.

Frequently asked

What are Stripe's fees?

Commonly around 2.9% plus 30 cents for domestic card payments, with additional percentages for international cards and currency conversion. Rates vary by country, so check your own pricing.

Why does the fixed fee matter so much on small payments?

Because 30 cents on a $3 payment is 10 percent before the percentage fee applies. Fixed fees make micro-transactions disproportionately expensive.