Stripe US Standard Card Fee Calculator
Simulate exact 2.9% + $0.30 domestic processing deductions and net cash cleared to your US bank account.
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 | $2.90 | 2.9% |
| Fixed Transaction Surcharge | $0.30 | - |
| Total Deducted Fees | $3.20 | - |
| Product / Service Cost (COGS) | $0.00 | - |
| Net Take-Home Revenue | $96.80 | - |
| Net Profit Margin | 96.8% | - |
| Break-Even Sales Price | $0.31 | Zero loss minimum price |
| Required Charge to Clear $100 Net | $103.30 | Reverse payout target |
Overview & Methodology
Stripe US charges a standard baseline of 2.9% plus $0.30 per successful credit and debit card transaction for domestic accounts. There are no monthly setup or gateway fees, making unit economics predictable for online merchants.
Mathematical Formulation
Total Fee = (Charge Amount × 0.029) + $0.30. Net Take-Home Payout = Charge Amount - Total Fee - Product Cost. Reverse Payout Charge = (Net Target + Product Cost + $0.30) / (1 - 0.029).Optimization Best Practices
For high-volume merchants processing over $100,000 monthly, contact Stripe Sales to negotiate custom interchange-plus pricing.
Use Stripe Radar to automate chargeback prevention; a single dispute incurs a non-refundable $15.00 fee.
Encourage ACH Direct Debit for large B2B payments to cap transaction costs at 0.8% ($5.00 maximum).
Frequently Asked Questions
Q.How much does Stripe take from a $100 domestic transaction?
On a $100.00 charge, Stripe deducts $3.20 (2.9% = $2.90 + $0.30 fixed fee), leaving you with a net payout of $96.80.
Q.Does Stripe refund the processing fee if a customer requests a refund?
No. Stripe does not return the 2.9% + $0.30 processing fee upon issuing customer refunds. The merchant absorbs this cost.
Q.What is the required charge to receive an exact $100 net payout?
To clear an exact $100.00 into your bank account, you must invoice the customer $103.30.