Stripe Fee Calculator

A Stripe fee calculator is an online tool that helps you estimate the fees Stripe will charge for processing credit card or online payments. It typically shows you how much of the total transaction will go to Stripe’s standard processing fees (usually a percentage plus a fixed fee) and how much you’ll receive after deductions.

This calculator estimates Stripe’s transaction fees based on the country you select and the payment amount you enter. It applies the publicly available Stripe fee rates for domestic transactions and gives you an idea of how much you’ll receive after processing costs.

In the US, Stripe’s standard fee structure usually includes:

• 2.9% + $0.30 per successful card charge for domestic transactions.
• Additional fees for international cards, currency conversion, or instant payouts.

These rates can vary depending on your country or any custom agreement you have with Stripe. To see the most up-to-date and country-specific pricing, visit the official Stripe Pricing page.

While Stripe’s standard fees apply to most accounts, there are several strategies businesses can use to reduce overall costs:

• Negotiate custom rates: If your business processes a high volume of transactions, you may qualify for discounted rates by negotiating directly with Stripe.
• Encourage local payments: International card transactions and currency conversions come with extra fees. Where possible, use local payment methods to minimize these additional charges.
• Use ACH or bank transfers: For large payments, consider using ACH or direct debit options, which generally carry lower fees than credit card payments.
• Minimize refunds and chargebacks: Stripe doesn’t refund processing fees when you issue customer refunds, and chargebacks come with extra penalties. Improving customer service and having clear refund policies can help reduce these costs.

Stripe supports a wide range of payment methods including credit and debit cards (Visa, Mastercard, American Express), Apple Pay, Google Pay, ACH direct debits, bank transfers, and even local payment options depending on the country, such as SEPA, iDEAL, and Alipay.

SolveXia helps finance and operations teams automate the reconciliation, tracking, and reporting of Stripe transactions. Instead of manually downloading data, matching payments, and checking fees, SolveXia integrates with Stripe (and other payment platforms) to:

• Automatically pull and process Stripe transaction data,
• Match payments and fees against your internal systems,
• Reconcile exceptions like chargebacks, refunds, or partial payments,
• Generate real-time dashboards and reports for visibility and audit readiness.

This reduces manual effort, improves accuracy, and gives your team confidence that Stripe payments are fully accounted for — without spending hours on spreadsheets.

Want to learn more? Explore our reconciliation solution to see how SolveXia can streamline your Stripe reconciliations.