Stripe Invoicing Fee & Net Revenue Calculator
Calculate total deductions when collecting B2B and freelance client payments via Stripe Hosted Invoices (3.3% + $0.30).
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 | $500.00 | - |
| Percentage Processing Fee | $16.50 | 3.3% |
| Fixed Transaction Surcharge | $0.30 | - |
| Total Deducted Fees | $16.80 | - |
| Product / Service Cost (COGS) | $0.00 | - |
| Net Take-Home Revenue | $483.20 | - |
| Net Profit Margin | 96.64% | - |
| Break-Even Sales Price | $0.31 | Zero loss minimum price |
| Required Charge to Clear $100 Net | $103.72 | Reverse payout target |
Overview & Methodology
Stripe Invoicing offers automated reconciliation and customer portals for 0.4% per paid invoice (after the first 25 free invoices per month) on top of the 2.9% + $0.30 card processing rate, resulting in a total effective deduction of 3.3% + $0.30.
Mathematical Formulation
Invoice Fee = (Invoice Total × 0.033) + $0.30. Net Take-Home = Invoice Total - Invoice Fee.Optimization Best Practices
Encourage enterprise clients to pay invoices via ACH Direct Debit to save up to 2.5% per high-ticket transaction.
Set up automated payment reminders 3 days before and on the invoice due date to shorten Days Sales Outstanding (DSO).
Use tiered invoice terms (e.g., Net 15) to maintain steady cash flow for service and consulting businesses.
Frequently Asked Questions
Q.What is the fee for a $1,000 paid Stripe invoice via credit card?
A $1,000 invoice collected via card incurs a 3.3% + $0.30 fee ($33.30 total), leaving a net settlement of $966.70.
Q.Are all Stripe invoices subject to the 0.4% invoicing fee?
The starter tier includes 25 free paid invoices per month. Advanced Invoicing features (custom email branding, multi-currency receivables) incur 0.5% per paid invoice.
Q.What is the cheapest way for clients to settle large invoices?
Stripe ACH Bank Transfer costs only 0.8% capped at $5.00, saving $28.30 on a $1,000 invoice compared to credit card processing.