The Locolory toolkit / Invoicing & Payments

Stripe & Payment Gateway Fee Calculator

Calculate estimated credit card processing fees, international card surcharges, currency conversion costs, and net bank payouts for invoices and online checkouts.

What is Stripe's standard transaction fee in 2026? Standard domestic online card processing through Stripe costs 2.9% plus $0.30 per successful charge in the U.S.; international cards add 1.5%, plus another 1% if currency conversion is required.

Key formula: Required Invoice Gross = (Desired Net + $0.30) ÷ (1 − Combined Percentage Rate).

Zero network transmission of financial figures.

● Calculated 100% locally in browser

Payment amount + payout

● Instant local estimate

Customer charge amount ($)Card originBilling type

Quick amount

Processing fee

$3.20

Effective take rate

3.20%

Net bank payout

$96.80

Difference / fees

$3.20

Stripe Payout Quick Reference Table

Charge	Domestic fee	Net deposit
$20.00	$0.88	$19.12
$50.00	$1.75	$48.25
$100.00	$3.20	$96.80
$500.00	$14.80	$485.20
$1,000.00	$29.30	$970.70
$5,000.00	$145.30	$4,854.70

How to pass credit card processing fees to clients

The mathematical gross-up is straightforward, but permission to surcharge is not. Laws, card-network rules, disclosure requirements, and caps vary by jurisdiction and card type; debit-card surcharges may be prohibited.

Use reverse mode to understand the amount required to preserve a target net, then obtain appropriate legal or payment-provider guidance before adding a customer-facing surcharge. The calculator is not legal advice.

Stripe custom pricing, manually entered cards, alternative payment methods, disputes, tax products, and instant payouts are outside this estimate.

Stripe payout and product add-ons

Standard U.S. domestic cards use 2.9% + $0.30. International cards add 1.5%, and conversion adds another 1%.

Invoicing Starter adds 0.4% per paid invoice, Invoicing Plus adds 0.5%, and Stripe Billing starts at 0.7% for recurring transactions. These product fees are added to payment processing.

Confirm current terms on Stripe's official pricing page.

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Good questions. Clear answers.

How do I calculate the amount to invoice so I receive my exact fee after Stripe takes their cut?

Gross up the desired net using (desired net + fixed fee) ÷ (1 − total percentage rate). This calculator combines the selected card-origin and Stripe product rates before solving the equation. Passing fees to customers may be restricted, so check applicable law and card-network rules.

Does Stripe refund transaction fees when I issue a customer refund?

For businesses on Stripe's standard pricing, Stripe generally does not return the original processing fees when a payment is refunded. Contract terms and localized pricing can differ, so confirm the current refund policy for your account.

What is the extra fee for international credit cards on Stripe?

Stripe's published U.S. standard pricing adds 1.5% for international cards and another 1% when currency conversion is required, on top of the domestic card rate.

Is Stripe Invoicing more expensive than standard Stripe checkout?

Yes under standard published pricing. Invoicing Starter adds 0.4% per paid invoice and Invoicing Plus adds 0.5%, in addition to payment-processing fees. Stripe Billing starts at 0.7% for recurring charges.