Stripe EU Domestic Card Fee Calculator
Simulate European merchant net payouts under intra-EEA interchange caps (1.5% + €0.25).
Parameters & Config
Gross transaction amount billed to your customer
Percentage processing surcharge applied to gross order value
Per-transaction flat fee deducted by the platform
Cost of goods sold or fulfillment expense (Set to 0 for digital/software products)
Net earnings cleared into your bank account after all platform & gateway deductions
Cumulative fee deducted by platform and payment network
Key Metrics & Sub-Totals
3 itemsCalculation Summary & Unit Breakdown
| Metric | Calculated Value | Notes / Logic |
|---|---|---|
| Gross Transaction Charge | $100.00 | - |
| Percentage Processing Fee | $1.50 | 1.5% |
| Fixed Transaction Surcharge | $0.28 | - |
| Total Deducted Fees | $1.78 | - |
| Product / Service Cost (COGS) | $0.00 | - |
| Net Take-Home Revenue | $98.22 | - |
| Net Profit Margin | 98.22% | - |
| Break-Even Sales Price | $0.28 | Zero loss minimum price |
| Required Charge to Clear $100 Net | $101.81 | Reverse payout target |
Overview & Methodology
Under European Union interchange fee regulations (MIF Regulation), Stripe offers competitive 1.5% + €0.25 processing for standard consumer cards issued within the European Economic Area (EEA).
Mathematical Formulation
Total Fee = (Amount × 0.015) + €0.25. Net Payout = Amount - Total Fee.Optimization Best Practices
Enable iDEAL for Dutch consumers (approx €0.29 flat) and Cartes Bancaires for French customers to reduce processing overhead.
SEPA Direct Debit offers low 0.35€ fixed fees for enterprise and subscription European customers.
Ensure 3D Secure 2 (SCA - Strong Customer Authentication) is configured to minimize dispute liability.
Frequently Asked Questions
Q.What is the fee on a €100 sale in Germany or France?
Stripe EU deducts €1.75 (€1.50 + €0.25), resulting in a net payout of €98.25.
Q.Do corporate/business cards cost more in the EU?
Yes. Commercial/corporate cards are exempt from EU interchange caps and carry a higher standard fee (typically 1.9% + €0.25).
Q.What is the chargeback fee in the Eurozone?
Stripe assesses a dispute fee of €15.00 per chargeback, fully refunded if you win the dispute with compelling evidence.