2026 Stripe Fee & Reverse Invoicing Calculator
Simulate credit card merchant fees, interchange assessments, and net bank payouts across standard US, European, and international Stripe pricing tiers. Calculate in reverse to determine the exact invoice amount needed to receive your desired net payout.
#How to Use This Tool
#Mathematical Formula & Standards
#Edge Cases & Technical Considerations
Mathematical Reverse Invoicing Derivation
Simply adding 2.9% + $0.30 ($3.20) to $100 yields $103.20. Charging $103.20 results in a fee of $103.20 × 0.029 + $0.30 = $3.29, leaving only $99.91 net. Our reverse formula ensures you receive exactly $100.00.
Cross-Border & Currency Conversion Surcharges
International credit cards incur an additional 1% cross-border fee. If Stripe performs automatic currency conversion on payout, an extra 1% currency conversion surcharge applies.
Fixed Fee Drag on Microtransactions
Because the $0.30 or €0.25 fixed fee is static, low-ticket transactions suffer a high effective fee rate (e.g. a $2.00 charge incurs $0.36 in fees, an effective rate of 18.0%).
#Frequently Asked Questions
Q:What is the standard Stripe processing fee?
For US merchants, standard domestic card processing is 2.9% + $0.30 per successful charge. European EEA domestic cards are billed at 1.5% + €0.25.
Q:How do I pass Stripe processing fees to my client?
Use the "I Want to Receive" reverse mode in this tool. It applies the formula Charge = (Target Net + Fixed Fee) / (1 - Rate) so that after Stripe deducts fees, your net payout equals your target invoice.
Q:Are refunded transaction fees returned by Stripe?
No. Under Stripe’s current policy, original processing fees are not returned when issuing full or partial refunds to customers.
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