Business
Invoicing, margin & GST calculators
Stripe Fee Calculator — What You Net (and What to Charge)
Stripe charges 2.9% + $0.30 on a standard online card payment in the US, so on a $100 charge the fee is 100 × 2.9% + 0.30 = $3.20 and you net $96.80. The fee formula is fee = amount × pct + fixed, and the net is amount − fee. The question freelancers actually ask when invoicing a round number is the reverse: what do I charge so I receive exactly $X? That is a gross-up, and you cannot just add 2.9% — you must solve charge = (target_net + fixed) / (1 − pct). To net $100 via Stripe: charge = (100 + 0.30) / (1 − 0.029) = $103.30. Enter your amount (or your target net) to see the fee, the net, and the gross-up instantly, then hand off to the invoice generator to bill the exact amount. Free, no login.
Stripe US online rate: 2.9% + $0.30 per successful card charge (in-person / Terminal is 2.7% + $0.05)
- Fee formula: fee = amount × 0.029 + 0.30; net = amount − fee
- Worked example — receive a $100 online payment: fee = 100 × 2.9% + 0.30 = $3.20, net = $96.80
- Gross-up formula: charge = (target_net + 0.30) / (1 − 0.029) — NOT target_net × 1.029
- Worked example — net exactly $100: charge = (100 + 0.30) / 0.971 = $103.30 (fee $3.30, net $100.00)
- International cards add roughly +1.5% (plus a currency-conversion fee) on top of the base rate
- Micro-payments: the fixed $0.30 dominates — on a $1 charge the effective rate is over 30%
Frequently asked questions
What are Stripe fees on a $100 payment?
For a standard US online card payment, Stripe charges 2.9% + $0.30. On $100 that is 100 × 2.9% + 0.30 = $3.20, so you receive $96.80. In-person payments via Stripe Terminal are lower at 2.7% + $0.05. International cards typically add about +1.5% (plus a currency-conversion fee), so the net on a cross-border sale is materially lower than the domestic headline. Rates change — always confirm the current schedule on stripe.com/pricing before relying on a figure.
What should I charge to receive exactly $100 after Stripe fees?
Charge $103.30. To net a target amount you gross up with charge = (target_net + fixed) / (1 − pct) = (100 + 0.30) / (1 − 0.029) = 100.30 / 0.971 = $103.30. At that charge the fee is $3.30 and you receive exactly $100.00. Do not simply add 2.9% (that gives $102.99 and leaves you short) — both the fixed $0.30 and the percentage applied to the larger grossed-up amount matter. Use the gross-up mode to get the exact charge for any target net.
Are these Stripe rates current?
The rates shown reflect Stripe's published US pricing as verified on 2026-07-04 (2.9% + $0.30 online). Processor pricing changes — and it does not move on a fixed schedule — so always verify the current rate at the source (stripe.com/pricing) before relying on it for a business decision. This calculator stamps the rate date and flags that international, currency-conversion, and product-specific surcharges may apply on top of the base rate.