Grossup

Stripe fee calculator

To receive $1,000.00 from a US card payment on Stripe, invoice $1,030.18. Stripe keeps $30.18 at 2.9% + $0.30.

Your payment

Stripe US card: 2.9% + $0.30.

Invoice$1,030.18to receive $1,000.00
  • Fees on this payment$30.18
  • You receive$1,000.00
  • Fees as a share of the invoice2.93%

The numbers, worked

Stripe takes 2.9% of the payment plus $0.30. On a $1,000.00 invoice that is $29.00 + $0.30 = $29.30, so you receive $970.70.

To receive the full $1,000.00, the fee has to come out of a larger invoice: ($1,000.00 + $0.30) ÷ (1 − 0.029) = $1,030.18. Stripe's fee on $1,030.18 is $30.18, which leaves exactly $1,000.00.

A card your client pays from outside the US adds 1.5%, so the same $1,000.00 needs an invoice of $1,046.34 (fee $46.34).

Rates as published on Stripe pricing, read October 6, 2026. Rates change and can differ for your account, so check yours. Grossup is arithmetic, not tax, legal or financial advice.

Questions

How much does Stripe take from $100?

$3.20: 2.9% of $100 is $2.90, plus $0.30. You receive $96.80.

Does Stripe charge more for some cards?

Yes. Stripe's pricing page lists 0.5% more for a card typed in by hand and 1.5% more for an international card, plus 1% more if the payment needs a currency conversion. Pick the rate above to see each.

Why not just add 2.9% to the invoice?

Stripe takes 2.9% of the larger invoice, not of your original amount, and the $0.30 is on top, so adding 2.9% leaves you a little short. Dividing by 0.971 after adding $0.30 lands exactly.

Does sending the invoice through Stripe Invoicing cost more?

Stripe Invoicing adds 0.4% per paid invoice on its Starter plan. The Stripe invoice fee page works that out with the card fee.

Related

Sending this every month? The card fee invoice template puts the fee line on each invoice.