Stripe US Fee Calculator
Calculate exact Stripe deductions in USD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
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Net payout kept
$96.80
12-month fee total (50 orders/mo)
$1,920.00/year
Ideal merchant profile
US SaaS subscriptions, custom checkouts, and marketplace payouts. Typical settlement window: 2 business days (standard ACH).
Fee schedule watchout
International cards with currency conversion jump from 2.9% to 5.4% + $0.30, plus 0.5% if Stripe Tax is enabled.
Stripe (US) payout & reverse-invoice schedule
Pre-calculated USD payouts comparing domestic cards (2.9% + $0.30) against cross-border FX payments (5.40% + $0.30).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| $25 | -$1.02 (4.1%) | $23.98 | -$1.65 (6.6%) | $26.06 |
| $100 | -$3.20 (3.2%) | $96.80 | -$5.70 (5.7%) | $103.30 |
| $500 | -$14.80 (2.96%) | $485.20 | -$27.30 (5.46%) | $515.24 |
| $2,500 | -$72.80 (2.91%) | $2427.20 | -$135.30 (5.41%) | $2574.97 |
| $10,000 | -$290.30 (2.9%) | $9709.70 | -$540.30 (5.4%) | $10298.97 |
adsenseEnabled: true in src/data/monetization.ts.
Common questions: Stripe (United States)
How much does Stripe take from $100 in United States?
On a domestic $100 USD transaction, Stripe deducts $3.20 (2.9% + $0.30), leaving $96.80 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach $5.70 (5.7%).
How much should I invoice to receive $100 after Stripe fees?
To net an exact $100.00 after domestic Stripe processing fees, charge $103.30. On cross-border FX transactions, charge $106.03.
Does Stripe handle VAT, GST, and US sales tax automatically?
No. Stripe is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).
Why are Stripe effective fees higher on $10 micro-orders?
Because the fixed $0.30 per-charge fee applies regardless of cart size. On a $10 order, Stripe takes $0.59, resulting in a 5.9% effective deduction.