Stripe fee calculator

Pick how the payment came in: an online card, a manually keyed card, an in-person Terminal swipe, an ACH debit, or a Stripe invoice. Type in the amount and the calculator shows the fee and your net payout instantly. Need to work backward? Switch to "I want to receive this" and it solves for the price to charge.

Card payments carry network costs and fraud risk, priced at 2.9% + 30¢, plus 0.5 points more if you type the card number in by hand. ACH bank debits skip the card networks, so the rate drops to 0.8%, capped at $5. Invoicing is cheapest of all at 0.4%, capped at $2, since it's billing for Stripe's own tool.

Say you charge $200 for an online card sale. Stripe takes 2.9% ($5.80) plus 30¢, so $6.10 total, leaving you $193.90, an effective rate of about 3.05%. Charge that same $200 by ACH bank debit instead and the fee is just 0.8% ($1.60), well under the $5 cap, so you keep $198.40, $4.50 more for an identical sale.

Because ACH and invoicing fees are capped at $5 and $2, the effective rate shrinks as the amount grows: a $50,000 ACH payment still only costs $5. This calculator uses Stripe's standard rates, not custom Interchange-plus pricing, volume discounts, or currency conversion, so check with Stripe on a negotiated contract.