Calculate Stripe transaction fees for credit cards, international payments, ACH, and various payment methods with net revenue projections.
A Stripe fees calculator computes payment processing costs for Stripe transactions based on transaction amount, payment method, and Stripe pricing plan. Standard Stripe rates: 2.9% + $0.30 per successful card charge (US), international cards +1.5%, currency conversion +1%. Also calculates fees for ACH direct debit (0.8% capped at $5), wire transfers, and Stripe Connect marketplace fees. Shows gross revenue required to net specific amount after fees, fee percentage of sale, and annual cost projections. Essential for ecommerce sellers, SaaS businesses, online service providers, and anyone accepting online payments through Stripe.
Price products accurately by factoring processing fees: selling $50 product costs $1.75 in Stripe fees (2.9% + $0.30), leaving $48.25 net revenue—pricing at $51.95 recovers fee cost while keeping $50 net. Calculate true profit margins after payment processing: 20% gross margin on $100 product ($20 profit) reduced to 17% after $3.20 Stripe fee. Compare payment methods for cost optimization: $1,000 transaction costs $29.30 via credit card (2.93%) but only $5.00 via ACH (0.5%)—offering ACH option for large payments saves significant fees. Budget accurately for payment processing: $50k monthly revenue incurs $1,480 monthly Stripe fees ($17,760 annually). Understand international transaction costs: $100 sale to European customer with currency conversion costs $4.70 total fees (2.9% + 1.5% international + 1% conversion + $0.30).
Enter transaction amount and select payment method: credit/debit card (2.9% + $0.30 standard), international card (+1.5% additional), ACH/bank transfer (0.8% capped at $5), payment with currency conversion (+1%), or Stripe Connect platform fees. Calculator shows: Stripe fee amount, net revenue received, effective fee percentage, and reverse calculator showing gross sale needed to net desired amount. For annual projections: enter average transaction size and monthly transaction volume to calculate yearly fees. Reduce fees by: negotiating volume discounts (contact Stripe for pricing review at high volumes), encouraging ACH payments for large transactions, using Stripe invoicing for B2B (2.9% + $0.30 same as cards but encourages ACH), passing fees to customers (controversial but legal in many jurisdictions), or considering Stripe Terminal for in-person transactions (2.7% + $0.05, slightly lower than online).
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