Find out exactly what Stripe keeps from a payment, how much lands in your bank account, and what to invoice if you need to receive a specific amount. Works for Stripe accounts in the US, UK, EU, Canada and Australia.
Rates checked against Stripe’s published pricing · October 2026
Based on Stripe’s standard pricing for United States (checked October 2026). Custom or volume pricing may differ.
Pick a mode. Choose “I charge a client” to see the fee on an invoice you’re about to send, or “I want to receive” to work backwards from the amount you need in your account.
Enter the amount in the currency your Stripe account pays out in.
Choose your Stripe country and payment method: a local card, a card issued abroad or, in the US, ACH bank debit.
Tick the currency box if your client pays in a different currency from your Stripe account.
The numbers update as you type. You’ll see the Stripe fee, your payout, the effective rate (the fee as a share of the payment) and the exact rate that was applied.
Stripe charges a percentage of every successful payment plus a small fixed amount. For a US Stripe account taking a US card online, that’s 2.9% + $0.30. The formula is the same everywhere; only the numbers change by country and payment method:
Stripe fee = payment amount × percentage rate + fixed fee
Because the fixed part doesn’t grow with the payment, small amounts cost proportionally more. A $10 charge loses almost 6% to fees, while a $1,000 invoice loses just under 3%. Here’s what a US Stripe account keeps from common invoice amounts paid by a US card:
Invoice amount
Stripe fee
You receive
Effective rate
$10
$0.59
$9.41
5.90%
$50
$1.75
$48.25
3.50%
$100
$3.20
$96.80
3.20%
$500
$14.80
$485.20
2.96%
$1,000
$29.30
$970.70
2.93%
$2,500
$72.80
$2,427.20
2.91%
Extra charges stack on top of the base rate. An international card adds 1.5% and currency conversion adds another 1%, so a $1,000 payment from a client abroad who pays in their own currency costs $54.30 in fees instead of $29.30.
Each Stripe account is priced in its home country. Cards issued in the same country are the cheapest; cards from abroad and payments that need currency conversion cost more. These are Stripe’s standard pay-as-you-go rates for online card payments:
Stripe account
Domestic cards
Cards from abroad
Currency conversion
United States
2.9% + $0.30
+1.5%
+1%
United Kingdom
1.5% + 20p
2.5% + 20p (EEA), 3.15% + 20p (other)
+2%
European Union
1.5% + €0.25
2.5% + €0.25 (UK), 3.15% + €0.25 (other)
+2%
Canada
2.9% + CA$0.30
+0.8%
+2%
Australia
1.65% + A$0.30
3.5% + A$0.30
+2%
Premium and corporate cards can cost more in some countries, and Stripe offers custom pricing to high-volume businesses. Check Stripe’s pricing page for your country before you quote fees to a client.
If you want your payout to match your invoice, you have to work backwards. Simply adding 2.9% isn’t enough, because Stripe also takes its share of the extra you add. The correct formula is:
Amount to charge = (amount you want + fixed fee) ÷ (1 − percentage rate)
For example, to receive $1,000 from a US card, charge (1,000 + 0.30) ÷ 0.971 ≈ $1,030.17. Stripe keeps $30.17 and exactly $1,000 reaches your account. Switch the calculator to “I want to receive” to do this for any amount.
Can you pass Stripe fees on to clients?
Often, but not everywhere. In the UK and the EU, surcharging consumers for paying by card is banned, so the cleaner option is to build payment costs into your rates. In the US, card surcharges are allowed in most states, but they’re capped and must be disclosed before the client pays. With business clients, many freelancers state in their contract that card payments include a processing fee, or offer a cheaper bank transfer instead. This isn’t legal advice, so check the rules where you and your client are based.
Card processing is the fee you’ll see most, but a few others can show up on your Stripe balance. The figures below are for a US account:
ACH Direct Debit: 0.8% per payment, capped at $5. A $5,000 invoice paid by bank debit costs $5 instead of $145.30 by card.
Manually entered cards: an extra 0.5% when you type a client’s card details into the Stripe Dashboard yourself.
Disputes: $15 for each chargeback a client files against a payment.
Instant payouts: 1.5% of the amount (minimum $0.50) if you want the money in minutes instead of on your normal payout schedule.
Stripe Invoicing: 0.4% per paid invoice on the Starter plan, on top of processing, if you use Stripe’s own invoicing tool.
Refunds: Stripe doesn’t return the processing fee when you refund a payment.
There are no setup or monthly fees on standard pricing. You only pay when a payment succeeds.
Offer bank debit for large invoices. In the US, ACH costs 0.8% and never more than $5, compared with 2.9% + $0.30 by card. On a $2,000 invoice that’s $5 instead of $58.30.
Invoice in your own currency. Currency conversion adds 1–2% depending on your country, so billing clients in the currency your Stripe account pays out in avoids it.
Send fewer, larger invoices. The fixed fee hurts most on small amounts, so combining several small jobs into one monthly invoice cuts it down.
Skip tools that take an extra cut. Some invoicing apps add their own percentage on top of Stripe. On Onigiri Pro there’s a 0% platform fee on Stripe payments, so you only pay Stripe.
How much does Stripe charge per transaction?
How much is the Stripe fee on $100?
Does Stripe charge a monthly fee?
Does Stripe return its fee when I refund a payment?
Who pays the Stripe fee, me or my client?
How do I work out what to charge so I get the full amount?
Why is my effective Stripe rate higher than 2.9%?
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