Stripe Processing & Billing Fee Calculator
Calculate exact Stripe credit card processing, billing, and international fees per transaction and monthly. Cites official Stripe pricing.
Calculated Results
Fee Per Transaction
$2.06
Effective Fee Rate
4.21%
Total Monthly Fees
$412.80
Net Monthly Proceeds
$9387.20
Includes Stripe standard US card fee (2.9% + $0.30) + Stripe Billing pay-as-you-go (0.7%). International cards add 1.5%. Check stripe.com/pricing for current rates.
About this tool
Stripe is one of the most widely used payment platforms for internet software, but calculating exact merchant processing deductions requires accounting for multiple line items beyond the standard 2.9% + $0.30 headline rate. For subscription SaaS businesses, recurring charges billed through Stripe Billing add a 0.7% pay-as-you-go fee, international card transactions add a 1.5% cross-border surcharge, and currency conversions add another 1%. On lower-priced subscription plans (e.g. $10/mo), the fixed $0.30 fee represents a staggering 3% deduction on its own, pushing the total effective fee rate well above 6%. Modeling your exact processing fees across transaction sizes and international card distributions allows founders to optimize net margins and set accurate unit economics. Use this calculator to determine your true net proceeds on Stripe.
How It Works
- 1Input your average transaction or subscription amount.
- 2Input your monthly transaction count.
- 3Adjust fee parameters (standard US is 2.9% + $0.30; add 0.7% for Stripe Billing pay-as-you-go and 1.5% for international cards).
- 4Inspect the total fee per charge, net monthly revenue, and your effective blended fee rate percentage.
Formula & Math
Transparent LogicFee = (Transaction Amount × (Fee% / 100)) + Fixed Fee ($0.30)
Worked Practical Example
A SaaS charges $49/mo on Stripe (2.9% + $0.30) plus 0.7% Stripe Billing across 200 monthly subscribers.
Calculation / Steps
Fee per tx: ($49 × 0.036) + $0.30 = $1.764 + $0.30 = $2.06. Net per tx = $46.94. Monthly fees = 200 × $2.064 = $412.80.
Expected Result
$2.06 fee per charge (effective fee rate of 4.21%); $9,387.20 net proceeds on $9,800 gross revenue.
Frequently Asked Questions
What is the official standard Stripe pricing for US businesses?+
Stripe's published standard US pricing is 2.9% + $0.30 per successful card charge (source: stripe.com/pricing).
Does Stripe charge extra for recurring subscriptions?+
If you use Stripe Billing for subscriptions, Stripe lists a pay-as-you-go fee of 0.7% of Billing volume on top of payment processing. Check stripe.com/pricing for the current rate and any plan options.
Are Stripe processing fees refunded when I issue a customer refund?+
No. Stripe retains the original credit card processing fees when a refund is issued, resulting in a net cash loss on every refund.
Automate retention on your cancel button
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