Stripe Fee Calculator 2026
Estimate net payout, reverse invoice amount, ACH vs card savings, and monthly fee projection, using each country’s own rate structure rather than one global assumption. Covers the US, UK, EU, Canada, and Australia. Free, no sign-up required.
What is Stripe’s fee per transaction in 2026?
Stripe’s standard US fee is 2.9% + $0.30 per successful online card transaction. In-person payments via Terminal cost 2.7% + $0.05. Manually keyed entry costs 3.4% + $0.30. ACH Direct Debit costs 0.8%, capped at $5. US international cards add +1.5%, and US currency conversion adds +1%, other countries have their own international and conversion surcharges rather than these same numbers. Dispute fees are $15 in the US, other countries charge their own amount in local currency. These are reference figures checked against Stripe’s pricing pages, always confirm at stripe.com/pricing for your account and country.
This calculator covers several of Stripe’s main pricing modes, online cards, in-person Terminal where a distinct rate is published, keyed entry, and US ACH, with two directions. Standard mode: you have a gross amount and want your net. Reverse Pricing mode: you need a specific net amount and the calculator tells you what to invoice, including correctly accounting for an optional Instant Payout fee if you select one. It also projects monthly fee exposure at your transaction volume, and shows the estimated dollar saving if you switch a US payment to ACH.
How to Use This Calculator
Two modes, one result. Updates live as you type.
Standard (Gross to Net)
You know the invoice amount. The calculator subtracts the estimated Stripe fee and shows what should land in your bank account.
Reverse (Net to Invoice)
You need a specific amount in your bank. Enter that target and the calculator works backward to give you the gross invoice total to charge the client.
Pick the Right Mode
Online card, in-person Terminal, manually keyed, or ACH, availability and rates vary by country.
Non-US Rates
UK, EU, Canada, and Australia each have their own domestic and international rate structure, not one global surcharge applied everywhere.
Volume Projector
Enter your estimated monthly transaction count to see your total monthly and annual Stripe fee exposure.
💡 ACH Is Cheaper Than US Card Processing at Essentially Any Amount
ACH (0.8%, no fixed fee, capped at $5) has a lower percentage and no fixed fee, so it comes out cheaper than the standard US card rate (2.9% + $0.30) at nearly every transaction size, not just above some threshold. The $5 cap is reached at $625. On a $1,000 invoice: ACH = $5.00, card fee is about $29.30, a saving of about $24.30. On $5,000, ACH is still $5.00 while the card fee keeps growing. If your clients can pay by ACH, the saving is one of the more impactful margin-recovery moves available. The Monthly Projector below shows the annual saving at your volume.
Transaction Setup
Results
The 2026 Stripe Fee Structure, Country by Country
Stripe’s headline “2.9% + $0.30” only describes domestic US online card payments. Every other country Stripe operates in runs its own base rate, its own international-card rate, and its own currency-conversion surcharge, they are not the same numbers with a currency symbol swapped. A UK or EEA business actually pays a lower domestic rate than the US (1.5% versus 2.9%), but a steeper international-card rate once a non-domestic card is involved. This calculator models each country’s own structure rather than applying one global assumption everywhere.
⚠️ The Refund Fee Problem
Stripe does not return the original processing fee when you issue a refund. If you charge a client $1,000 and then fully refund it the next day, you still lose the processing fee from the original charge. For businesses with any meaningful refund rate, especially SaaS trials or high-dispute categories, this is a real cost to factor into pricing.
2026 Stripe Fee Reference Table, by Country
Rates below are checked against Stripe’s country-specific pricing pages as of September 2026. Australia’s domestic rates are set to drop further on October 1, 2026, noted below. Rates shown are for standard, non-custom accounts.
| Country | Domestic Online | International Card | Currency Conversion |
|---|---|---|---|
| 🇺🇸 United States | 2.9% + $0.30 | +1.5% (4.4% total) | +1.0% |
| 🇬🇧 United Kingdom | 1.5% + £0.20 | ~3.25% + £0.20 | +2.0% |
| 🇪🇺 EEA / Eurozone | 1.5% + €0.25 | ~3.25% + €0.25 | +2.0% |
| 🇨🇦 Canada | 2.9% + C$0.30 | ~3.7% + C$0.30 | +2.0% |
| 🇦🇺 Australia | 1.70% + A$0.30 (falls to 1.65% from Oct 1, 2026) | 3.50% + A$0.30 | +2.0% |
🇦🇺 Australia’s Rates Are Changing October 1, 2026
Stripe has announced that starting October 1, 2026, Australian domestic card rates drop from 1.70% + A$0.30 to 1.65% + A$0.30 for online payments, and from 1.70% + A$0.10 to 1.65% + A$0.10 for Terminal. A further cut to the international rate, from 3.50% to 2.80%, is scheduled for April 1, 2027. This calculator uses the rates in effect as of today; if you’re reading this after either date, check that the lower rate has been applied.
Reverse Pricing, Why It Matters for Invoicing
If you invoice a client for exactly $1,000 on a standard US domestic card, Stripe deducts about $29.30 and you receive about $970.70. To guarantee you receive exactly $1,000, you need to invoice about $1,030.17.
The formula: Gross = (Desired Net + Fixed Fee) / (1 – Percentage Rate). If you also select Instant Payout, the calculator solves for the gross amount that nets your target after both the card fee and the Instant Payout fee are deducted, rather than solving for the card fee alone and subtracting the payout fee afterward, which would undershoot your target.
📐 The Reverse Pricing Formula
Gross = ($1,000 + $0.30) / (1 – 0.029) = $1,000.30 / 0.971, approximately $1,030.17. Stripe deducts about $30.17, leaving you with approximately $1,000.00. For international cards or currency conversion, the same logic applies with the country’s own higher percentage.
ACH Direct Debit, the High-Value Invoice Strategy
ACH (Automated Clearing House) transfers money directly between US bank accounts, bypassing card networks entirely. Stripe charges 0.8% with a hard $5 cap and no fixed fee, which makes it cheaper than the standard US card rate at essentially any transaction size, and dramatically cheaper on large invoices. The trade-off: ACH commonly settles in about 4 business days, with a faster paid settlement option available, versus next-day for cards, and ACH payments can fail and incur their own fee.
The practical strategy: offer ACH as an option on US B2B invoices, especially larger ones. Use the Monthly Projector in this calculator to see the estimated saving at your volume.
Instant Payouts, a Cost That Varies by Country
Standard Stripe payouts to your bank account are free and arrive in 1-2 business days. Instant Payouts send funds to an eligible debit card within minutes instead, at a cost that is not the same everywhere: in the US it’s 1.5% per payout with a minimum fee, and other countries publish their own rate and minimum in local currency. This is separate from the transaction processing fee.
💔 Dispute Fees
Stripe charges a fee per dispute, $15 in the US, with other countries charged their own amount in local currency. Whether that fee is refunded if you win a contested dispute has changed over time and can differ by account and region, check your current Stripe Dashboard terms rather than assuming either way. Either way, the fee stacks on top of the lost revenue from the disputed transaction itself, which matters for any business where chargebacks are a regular occurrence.
Frequently Asked Questions
What is Stripe’s fee per transaction in 2026?
How do you calculate Stripe fees in reverse?
Is ACH always cheaper than card processing?
Does Stripe refund processing fees on refunds?
What are Stripe’s fees outside the US?
Can I negotiate lower Stripe fees?
What is an Instant Payout and what does it cost?
What is Stripe Interchange Plus (IC+) pricing?
Does Stripe charge monthly or setup fees?
How This Calculator’s Fee Logic Works
Each country in the STRIPE_CONFIG object carries its own domestic rate, its own international-card rate (not a flat add-on percentage stacked on the domestic rate everywhere, since the UK, EEA, Canada, and Australia publish a distinct blended international rate rather than a simple surcharge), its own currency-conversion surcharge, its own currency and locale for formatting, and its own set of available payment methods. Selecting a country swaps in that country’s actual structure rather than reusing the US model with a different symbol.
Standard mode calculates fee = (gross x pct) + fixed, then net = gross – fee. Reverse mode without Instant Payout solves algebraically: gross = (desired_net + fixed) / (1 – pct). Reverse mode with Instant Payout selected solves for the gross amount whose net, after both the card fee and the Instant Payout fee, equals your target, rather than solving the card fee alone and subtracting the payout fee afterward, since that second approach would produce a result short of your actual target. ACH mode caps the fee at $5 and handles its own reverse case.
All fee rates are stored in the STRIPE_CONFIG object in the calculator’s JavaScript. If Stripe updates rates, only those values need updating, the calculation logic stays the same. The Custom Rate option lets anyone override the percentage and fixed fee directly without touching code. Displayed results are estimates and can differ by a small amount from Stripe’s actual charge due to Stripe’s own transaction-level rounding rules, your specific card mix, or account-level terms.
This is a free educational reference tool, not a guaranteed fee calculation. Always verify at stripe.com/pricing. Not affiliated with or endorsed by Stripe, Inc.
Built and checked by R.K., Creator and Business Economics Analyst, Ultimate Info Guide