stripe fee calculator.
card, international, currency conversion
card type
- stripe fee
- $3.20
- net payout
- $96.80
- effective rate
- 3.20%
- rate applied
- 2.9% + $0.30
- card type
- us
> worked example
A Shopify store charges $100 on a US Visa. Stripe takes $3.20 (2.9% × $100 + $0.30), paying out $96.80. On a $100 international card the fee rises to $4.20 (3.9% + $0.30), a full dollar more. Use reverse mode: to pocket exactly $100 on a US card you need to charge $103.40.
takeaway, International cards cost 34% more in Stripe fees, worth a line in your pricing model if you sell globally.
> when operators reach for this
- Shopify and WooCommerce founders comparing Stripe vs PayPal gateway costs on their average order value.
- SaaS founders pricing monthly subscriptions who need to know net revenue after Stripe's cut.
- Agencies billing clients and deciding whether to pass on the card fee or gross up their rates.
- Ecommerce brands with heavy international traffic modelling the delta between domestic and cross-border processing costs.
- Developers integrating Stripe who need a quick sanity check on expected payout before launch.
> the calculation
- stripe us card fee
amount × 2.9% + $0.30 - stripe international card fee
amount × 3.9% + $0.30 - gross needed to net a target
(target + $0.30) ÷ (1 − 2.9%) [use 3.9% for international]Fees as of 2026 approximate US rates; always verify against Stripe's current pricing page.