Stripe Fee Calculator • 2026 Official Rates

Stripe Merchant Fee & Reverse Invoice Calculator

Calculate standard domestic, international, and currency conversion fees for Stripe transactions. Use reverse mode to discover exact billing amounts for your client invoices.

Calculation Mode Standard or Reverse Invoice

Transaction / Invoice Amount Live slider or type amount

Merchant Account Country

Cardholder Location

Additional Stripe Options

Currency Conversion Required (+1.0%) Stripe Invoicing Automated (+0.4%) Stripe Radar Machine Learning (+5¢)

Net Payout to Your Bank

$96.80

Total Stripe Fee: $3.20

Fixed Processing Fee $0.30

Percentage Rate Fee 2.90% ($2.90)

Effective Fee Rate 3.20%

● Net Payout ● Stripe Fee

Complete Guide to Stripe Processing Fees in 2026

Stripe is the world’s leading payment infrastructure for internet businesses. While Stripe offers transparent, pay-as-you-go pricing without monthly platform fees or setup costs, understanding the various percentage tiers, fixed fees, and international markups is essential for managing your business cash flow.

1. Standard Domestic Stripe Rates by Country

Stripe adjusts its baseline pricing depending on the country where your merchant account is registered and the cardholder’s issuing bank:

United States: 2.9% + $0.30 per successful card charge.
United Kingdom: 1.5% + £0.20 for standard UK cards; 2.5% + £0.20 for non-EEA cards.
European Union (EEA): 1.5% + €0.25 for standard European consumer cards; 2.5% + €0.25 for international cards.
Canada: 2.9% + $0.30 CAD for domestic Canadian cards; 3.9% + $0.30 CAD for international cards.
Australia: 1.75% + A$0.30 for domestic Australian cards; 2.9% + A$0.30 for international cards.

2. International and Cross-Border Surcharges

When accepting payments from international customers, Stripe applies two potential surcharges:

International Card Surcharge (+1.0% to +1.5%): Applied when the cardholder’s issuing bank is located outside your merchant country.
Currency Conversion Fee (+1.0%): Applied if Stripe must convert the received currency into your default settlement currency.

3. The Mathematics of Reverse Invoicing: Pass Stripe Fees to Clients

A common challenge for freelancers, agencies, and service businesses is ensuring they receive an exact net amount on an invoice. If you charge $1,000 with a 2.9% + $0.30 fee, Stripe deducts $29.30, leaving you with only $970.70.

    Required Invoice Amount = (Target Net Amount + Fixed Fee) / (1 – Percentage Rate)

    Example: ($1,000 + $0.30) / (1 – 0.029) = $1,000.30 / 0.971 = $1,030.18

Our calculator above features a built-in Reverse Mode toggle that performs this calculation instantly.

Stripe Fee FAQs

No. Under Stripe’s current policy, the original processing fees (both percentage and fixed components) are not returned to the merchant when a customer refund is issued.

Yes. Merchants processing over $80,000 to $100,000 per month in volume can contact Stripe Sales to negotiate custom interchange-plus pricing or lower percentage rates.