Calculate Stripe payment processing fees for domestic and international transactions with net amount and break-even price analysis.
Stripe does not pay out the full sale amount; it keeps a percentage plus a flat fee and deposits the rest. Enter a transaction amount, choose domestic or international, and this tool returns the fee, the net deposit, and the break-even price to charge so a customer-paid surcharge exactly covers the fee. It models Stripe's standard online pricing for US accounts: 2.9% plus $0.30 for US-issued cards, 1 percentage point more for cards issued abroad. Everything runs in your browser; no amount leaves the page. The usual mistake is multiplying: adding 2.9% to a price does not cover a 2.9% fee, because the fee is charged on the inflated price.
A concrete input and expected output from the current implementation.
Input
Amount $100.00, domestic card (US-issued)
Expected output
Fee: $3.20 (2.9% of $100.00 = $2.90, plus $0.30). Net deposit: $96.80. Break-even price: $103.30 - charge $103.30 and the fee of $3.30 leaves you exactly $100.00 net. Same sale with an international card: fee $4.20, net deposit $95.80.
2.9% of $100.00 is $2.90; adding the $0.30 flat fee gives $3.20, so the deposit is $96.80. The break-even price solves P - (0.029P + $0.30) = $100.00, giving $103.30, on which the fee rounds to $3.30 - exactly the difference.
The fee is the transaction amount times the applicable percentage plus a flat component. For a US account the online rate is 2.9% plus $0.30 per successful charge; a card issued outside the US adds 1 percentage point, making it 3.9% plus $0.30. The tool computes the fee on the full amount, rounds the fee to cents, and reports the deposit as amount minus fee.
To let the customer cover the fee, the price must be (target net + $0.30) / (1 - rate), not the target plus a percentage, because the fee is levied on the final price itself. On $100.00 at 2.9% plus $0.30 that is $100.30 / 0.971, about $103.30. The calculator rounds to the cent, so the quoted price nets exactly the target.
No, not on a full refund: Stripe returns the processing fee along with the money, so a fully refunded charge typically costs nothing in processing. A partial refund returns the fee in proportion to the refunded amount. Dispute fees follow separate rules and are not part of this calculation.
No. The 2.9% plus $0.30 default is Stripe's standard US online pricing; accounts in other countries have their own published rates and currencies, and Stripe has changed its fee schedule over time. Treat the output as an estimate and confirm the current schedule for your account in the dashboard before pricing on it.
The example and behavioral notes were checked against the browser implementation. Standards and primary references below define the relevant format, formula, or platform behavior.
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