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Stripe Fee & Net Payout Calculator

Calculate exact Stripe credit card processing fees, international cross-border surcharges, invoice gross-up amounts, and net merchant deposit payouts.

Calculated Results

Net Merchant Payout
$96.80
Effective fee rate: 3.20%
Total Stripe Fee
$3.20
2.9% + $0.30 per charge
Invoice to Net Target
$103.30
To receive exactly $100.00
Standard Payout Schedule
2 Business Days
Rolling automatic bank deposit
Monthly Fees on 100 Txns
$320.00
On $10,000 monthly volume
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Frequently Asked Questions

What are standard Stripe processing fees in 2026?

Stripe's standard pricing in the US is 2.9% + $0.30 per successful credit or debit card transaction. For in-person card payments via Stripe Terminal, the fee is reduced to 2.7% + $0.05 per tap/dip.

What does Stripe charge for international credit cards?

Stripe adds an extra 1.5% fee for international cards (totaling 4.4% + $0.30), plus an additional 1.0% fee if currency conversion is required between the cardholder currency and merchant settlement currency.

How do you calculate how much to charge to net an exact amount?

To net an exact target amount ($T) with a percentage fee (r = 0.029) and fixed fee (f = $0.30), the formula is: Charge = (Target + f) / (1 - r). To net exactly $100.00, you must bill ($100 + $0.30) / (1 - 0.029) = $103.30.

What is Stripe ACH Direct Debit pricing?

ACH Direct Debit payments through Stripe cost 0.8% per transaction with a maximum fee cap of $5.00, making it drastically cheaper than credit cards for high-ticket B2B invoices and recurring retainers over $200.