Stripe Fee Calculator — Card Fees and the Amount to Charge

How to use the Stripe fee calculator

1. Choose where Your Stripe account is: United States, United Kingdom or India.
2. Under I want to know, pick What I get from a charge or What to charge.
3. Enter the Amount and choose the Card type your customer uses.
4. Tick Currency conversion needed if the charge is in a different currency from your payout, and, in the US, Card number typed in manually for phone or keyed orders.
5. If Stripe adds tax to its fee, enter it in Tax charged on Stripe’s fee.
6. Read the fee, payout and effective rate. The table shows the same sums at several charge sizes.

What it does and when to use it

Stripe takes its fee out of each successful card charge before paying you. The rate depends on where your account is, where the card was issued and whether money has to be converted between currencies. A foreign card with conversion can cost far more than a local one: in the UK it is 5.15% + 20p against 1.5% + 20p.

Use this calculator to:

• see the real payout on an online order or a client payment;
• set a price that covers the fee, for example on a deposit or fixed-price package;
• compare local and international customers before you expand abroad;
• check a fee line on your Stripe balance report.

If you also take PayPal, compare the same sale in the PayPal fee calculator. For pricing your work in the first place, see the freelance hourly rate calculator.

How it works

Stripe fee = charge × (card rate + any surcharges) + fixed fee, rounded to the cent. For Indian domestic debit cards the percentage part is capped at ₹200. If you enter a tax rate, it is added on top of the fee.

Payout = charge − fee.

Charge needed for a payout = (payout + fixed fee × (1 + tax)) ÷ (1 − rate × (1 + tax)). The result is rounded up to the cent and checked against Stripe’s rounding, so the payout is never a cent short. When the ₹200 debit-card cap applies, the charge is simply the payout plus the capped fee.

Standard card rates used by the calculator:

The UK and India rates were read from Stripe’s own pricing pages on 3 October 2026. *Stripe sends visitors from India to its Indian pricing page, so the US rates come from a copy of stripe.com/pricing captured on 1 October 2026. Check the live US page before you rely on them.

Worked examples

A $100 US card charge. 2.9% of $100 = $2.90, plus 30¢ = $3.20. You receive $96.80.

Charging enough to receive $250 in the US. ($250 + $0.30) ÷ 0.971 = $257.775…, rounded up to $257.78. Stripe’s fee on that is $7.78, leaving exactly $250.00.

A £100 charge on a standard UK card. 1.5% + 20p = £1.70, so £98.30 is paid out.

A £100 charge on a US-issued card to a UK account, with conversion. 3.15% + 2% = 5.15%, plus 20p = £5.35.

₹10,000 from an Indian Visa card, with 18% GST on the fee. 2% of ₹10,000 is ₹200. Tax at the rate you entered adds ₹36, so the fee is ₹236.00 and ₹9,764 is paid out. (Use the rate on your own Stripe invoice.)

Small charges and the fixed fee

In the US and UK, each charge also carries a fixed fee, so the share Stripe takes rises as the charge gets smaller. A £100 charge on a standard UK card costs £1.70, or 1.7%. A £5 charge costs 1.5% of £5 plus 20p, which rounds to £0.28, or 5.6% of the sale. If you sell low-priced items, it can make sense to set a minimum order or bundle products. In India there is no fixed fee on cards, so the rate stays the same whatever the size of the charge.

Limits and tips

• Standard pricing only. Large businesses can negotiate custom rates; tick Use my own fee rates and type yours.
• Which UK cards count as premium is decided by Stripe (its pricing page links to an explanation of card types). If you are unsure, compare the standard and premium rows to see the range.
• Stripe India is invite-only on its standard plan.
• Other payment methods such as bank debits, wallets with their own pricing, Buy Now Pay Later and UPI are not covered.
• Know what each sale earns. Feed your payout into the markup and margin calculator to check your margin after payment costs, or the customer lifetime value calculator for repeat customers.

This page explains Stripe’s published fees; it is not financial or tax advice.