Stripe Fee Calculator 2026
Calculate exact net payout, reverse invoice amount, ACH vs card savings, and monthly fee projection. Covers 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. International cards add +1.5%. Currency conversion adds +1%. Dispute fees are $15 each, non-refundable. These are reference figures verified against Stripe’s pricing page — always confirm at stripe.com/pricing.
This calculator goes beyond the basic “2.9% + $0.30” by covering every mode Stripe operates in: online cards, in-person Terminal, keyed entry, and ACH. It has two directions — Standard (you have a gross amount, you want to know your net) and Reverse Pricing (you need a specific net amount, the calculator tells you what to invoice). It also projects monthly fee exposure at your transaction volume, and shows the exact dollar saving if you switch a payment to ACH.
How to Use This Calculator
Two modes, one result. Updates live as you type.
Standard (Gross → Net)
You know the invoice amount. The calculator subtracts the correct Stripe fee and shows exactly what lands in your bank account.
Reverse (Net → 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 — each has a different rate. Selecting the wrong one produces an inaccurate result.
Non-US Rates
UK, EU, Canada, and Australia all have different base rates. Select your country to apply the correct domestic rate automatically.
Volume Projector
Enter your estimated monthly transaction count to see your total monthly and annual Stripe fee exposure — useful for budgeting and pricing decisions.
💡 When ACH Saves Significantly More Than Card
ACH (0.8%, capped at $5) becomes cheaper than standard online card processing above $181. The $5 cap kicks in at $625. On a $1,000 invoice: ACH = $5.00, card = $29.30 — a saving of $24.30 per transaction. On a $5,000 invoice: ACH still = $5.00, card = $145.30. If your clients can pay by ACH and invoices are typically above $500, the ACH saving is the single most impactful margin recovery action available. The Monthly Projector in the results panel shows the annual saving for your volume.
Transaction Setup
Results
The Complete 2026 Stripe Fee Structure
Stripe’s headline rate of 2.9% + $0.30 only applies to domestic online card payments from US customers paying in USD. The moment any single variable changes — an international customer, a currency conversion, a manually keyed number — the effective rate climbs. For most US businesses processing only domestic cards, the real cost stays close to the headline. For businesses with international customers or subscription billing add-ons, the true rate commonly reaches 4.5–6%+.
⚠️ The Refund Fee Problem
Stripe does not return the 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 $29.30 processing fee. For businesses with any meaningful refund rate — especially SaaS trials or high-dispute categories — this is a real cost that needs to be factored into pricing models.
2026 Stripe Fee Reference Table
All rates below are verified against stripe.com/pricing as of June 2026. Rates are for standard (non-negotiated) accounts — businesses processing $80K+/month can contact Stripe for custom interchange-plus pricing.
| Payment Type | Rate | Fee on $100 | Fee on $1,000 |
|---|---|---|---|
| US Online Card (Standard) | 2.9% + $0.30 | $3.20 | $29.30 |
| US In-Person / Terminal | 2.7% + $0.05 | $2.75 | $27.05 |
| Keyed / Manual Entry | 3.4% + $0.30 | $3.70 | $34.30 |
| ACH Direct Debit | 0.8%, cap $5 | $0.80 | $5.00 |
| International Card (on top of base) | +1.5% | +$1.50 | +$15.00 |
| Currency Conversion (on top) | +1.0% | +$1.00 | +$10.00 |
| Dispute / Chargeback Fee | $15 flat | $15.00 | $15.00 |
Reverse Pricing — Why It Matters for Invoicing
If you invoice a client for exactly $1,000 on a standard domestic card, Stripe deducts $29.30 and you receive $970.70. To guarantee you receive exactly $1,000, you need to invoice $1,030.17. The formula: Gross = (Desired Net + Fixed Fee) ÷ (1 − Percentage Rate). The Reverse Pricing mode in this calculator handles this automatically for all payment types and surcharge combinations.
📐 The Reverse Pricing Formula
Gross = ($1,000 + $0.30) ÷ (1 − 0.029) = $1,000.30 ÷ 0.971 = $1,030.17. Stripe deducts $30.17, leaving you with exactly $1,000.00. For international cards with currency conversion: the same logic applies but with a higher percentage — the calculator handles all combinations.
Multi-Country Stripe Rates — 2026
Stripe sets rates country by country based on local interchange costs. UK and EU domestic rates are substantially lower than US rates due to EU interchange fee regulation (capped at 0.2–0.3% for consumer cards). This can make EU-based businesses appear to have better unit economics on card processing.
| Country | Online Card Rate | Fee on $100 equiv. |
|---|---|---|
| 🇺🇸 United States | 2.9% + $0.30 | $3.20 |
| 🇬🇧 United Kingdom | 1.5% + £0.20 | ~£1.70 |
| 🇪🇺 European Union | 1.5% + €0.25 | ~€1.75 |
| 🇨🇦 Canada | 2.9% + C$0.30 | ~C$3.20 |
| 🇦🇺 Australia | 1.75% + A$0.30 | ~A$2.05 |
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. This makes ACH cheaper than card processing on any transaction above $181, and dramatically cheaper on large invoices. The trade-off: ACH settles in 3–5 business days (vs. next-day for cards), and ACH payments have higher failure and dispute rates — failed payments cost $4 each.
The practical strategy: offer ACH as an option on all B2B invoices above $500. If even 30–40% of clients switch, the annual fee saving at moderate volume is substantial. Use the Monthly Projector in this calculator to see the exact saving at your volume.
💔 Dispute Fees Are Non-Refundable
Stripe charges $15 per chargeback regardless of outcome — even if you win the dispute. For businesses in high-chargeback categories (travel, ticketing, subscription), this fee stacks on top of the lost revenue from the disputed transaction itself. Building dispute cost into pricing is essential 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?
When is ACH 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?
How This Calculator’s Fee Logic Works
All base rates are sourced from Stripe’s published pricing page (stripe.com/pricing), verified June 2026. Standard mode calculates fee = (gross × pct) + fixed, then net = gross − fee. Reverse mode solves algebraically: gross = (desired_net + fixed) ÷ (1 − pct). ACH mode caps the fee at $5 and handles the reverse case (when gross × 0.8% > $5, ACH gross = net + $5). International and conversion surcharges stack additively on the base percentage. The country selector applies pre-verified domestic rates for the selected market. The Monthly Projector multiplies the per-transaction fee by the user-entered monthly volume.
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 remains unchanged. The Custom Rate option lets any user override rates directly without needing to access the code.
This is a free educational reference tool. Results are planning estimates — not guaranteed fee calculations. Actual Stripe fees depend on your account plan, card type mix, issuing bank, and applicable add-ons. Always verify at stripe.com/pricing. Not affiliated with or endorsed by Stripe, Inc.
Built and reviewed by R.K., Creator & Business Economics Analyst · Ultimate Info Guide