Why does my Stripe statement show a different amount?

The transaction may use another card category, currency conversion, an account-specific rate or additional Stripe products. Check the transaction’s fee details and your contract. This calculator models the selected standard online-card assumptions rather than importing your actual account data.

Does zero represent a free Stripe transaction?

Zero is treated here as no transaction, producing zero fees. That is a useful calculation baseline, not a claim that Stripe accepts zero-value charges. Very small positive amounts can also fall below the payment method’s minimum charge.

Can I use this for bank debits or in-person payments?

These presets are for online card payments. Other payment methods can have different percentages, fixed fees, caps or minimums. Use the relevant country pricing table for those methods rather than applying an online-card result to them.

How current are the presets?

The linked country pricing pages were checked on September 28, 2026. Rates and product terms can change, and negotiated contracts can differ from standard pricing. The selected country’s source link is shown beside the result for a direct check.

Free tool

Stripe fee calculator

Estimate what remains from an online card payment, or work backward from the amount you want to receive. Choose the Stripe account country, card category and relevant extras. The result separates Stripe’s estimated processing fee from any platform percentage you enter.

Calculate

What I receiveWhat to charge

Stripe account country

Online card type

Charge amount (USD)

Platform fee (%)

Optional percentage of the charge, charged separately by your platform.

Stripe currency conversion required (+1%)Manually entered card (+0.5%)

Stripe rate used: 2.9% + $0.30 per successful online card charge.

Charge: $100.00
Stripe fee: $3.20
Platform fee: $0.00
Estimated net: $96.80

Total estimated fees: $3.20

Estimate for standard online card pricing. Each fee is rounded separately to cents. Excludes tax, Billing, Connect, refunds, disputes and payout fees. Zero represents no transaction; tiny amounts may be below Stripe’s minimum charge.

Rates checked September 28, 2026. Your account agreement and transaction details determine actual fees. Check Stripe pricing for United States.

Give your checkout and other links one home with a free Stick page.

How to use it

Choose What I receive to start with a sale price, or What to charge to start with a desired net amount.
Select the country where the Stripe account is based and the relevant online card category.
Enter the amount and any separate platform percentage. Enable conversion or manual-entry extras only when they apply.
Review the breakdown and the linked Stripe pricing page, then copy the estimate for your pricing notes.

The account country sets the pricing table

A seller’s Stripe account country determines which published price schedule to consult. The currency symbol alone does not identify the applicable card rate. This calculator includes United States, United Kingdom and Ireland presets, with distinct domestic, regional and international card categories. Ireland is an explicit country preset, not a promise that every euro-denominated account has the same contract or fee schedule.

What the displayed rates cover

The US domestic online-card preset uses 2.9% plus $0.30. Standard UK cards use 1.5% plus £0.20 in the UK preset, and standard EEA cards use 1.5% plus €0.25 for Ireland. Premium or international cards can use different percentages. The tool shows the exact percentage and fixed amount being applied so you can compare them with your Stripe agreement.

A direct estimate starts with the charge

For a $100 domestic online-card charge in the US preset, the processing estimate is $3.20 and the remainder is $96.80 before other costs. If a separate platform takes 5% of the same charge, the tool adds $5.00 for that platform and shows $91.80 remaining. This separation helps you see which assumption changes the result when comparing sales channels.

A reverse estimate accounts for fees on the larger amount

Adding the fee on a $100 sale to $100 does not quite recover a $100 net, because the percentage also applies to the added amount. The reverse mode searches for the smallest cent-denominated charge that reaches the target under the calculator’s rounding model. With the US domestic preset and no platform fee, a $100 target produces a $103.30 charge and an estimated $100.00 net.

Rounding and optional platform fees

The calculator rounds the Stripe percentage fee and the platform percentage fee separately to the nearest cent, then adds Stripe’s fixed amount. A half cent rounds upward. The platform field assumes a percentage of the gross charge with no separate fixed fee. If your platform uses a different base, collects tax on its fee or has a custom agreement, this simple field cannot reproduce its complete statement.

Keep an estimate separate from a payout forecast

The result excludes product costs, tax, Billing, Connect, refunds, disputes and payout charges. It also does not predict currency exchange rates or payment eligibility. The conversion option adds the published processing surcharge to the estimate; it does not convert the amount into another currency. Compare real transactions with their Stripe balance details when reconciling your books, because an aggregate bank payout can combine many transactions and adjustments.

Use the result when comparing prices

Try a few candidate prices and record both the fee assumption and the estimated remainder. This makes it easier to compare a low-price product with a bundle without mistaking gross revenue for money available after processing. Keep your operating costs in a separate calculation. The What to charge result is a pricing arithmetic aid; it does not determine whether a particular fee can be added to a customer’s bill.

Sources

More free tools

All free tools