stripe processing fee calculator for invoices

Calculate exactly what you'll receive after Stripe's processing fees. Factor in domestic, international, and invoicing costs instantly.

Stripe Fee Estimator

Transaction Details

The total amount you are billing your client.
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%
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Quick Presets

You Will Receive (Net)

$0.00

Total Stripe Fee: $0.00

To Receive $1,000.00 Net
You should charge: $0.00

*This accounts for the fees Stripe will deduct from the higher amount.

How to Use the Stripe Processing Fee Calculator for Invoices

Managing a business requires a clear understanding of your margins. When you send an invoice through Stripe, the amount your client pays is not the amount that lands in your bank account. Stripe deducts a processing fee for every transaction. Our stripe processing fee calculator for invoices helps you bridge that gap by providing instant calculations for domestic and international payments.

Understanding Stripe's Pricing Model

Stripe primarily operates on a "pay-as-you-go" model. For most standard transactions in the US, this is 2.9% + $0.30. However, if you are using Stripe Invoicing, there may be an additional 0.4% fee for the "Invoicing Starter" or "Plus" plans once you exceed certain volume thresholds. Furthermore, international cards often carry an additional 1% fee, and currency conversion can add another 1% on top of that.

By using our tool, you can adjust these percentages manually to match your specific Stripe account settings, ensuring that your financial planning is as accurate as possible.

Why You Should Calculate "Amount to Charge"

One of the most common mistakes freelancers and small business owners make is forgetting to "gross up" their invoices. If you need to receive exactly $1,000 to cover your project costs, and you bill $1,000, you will only receive roughly $970.70.

Our calculator includes a "Reverse" feature. Simply enter the amount you want to receive in the "Amount to Charge" field, and look at the result box below to see exactly what you should bill the client to ensure your net payout matches your target.

Tips for Reducing Stripe Processing Fees

  • ACH Transfers: For large invoices, consider using Stripe's ACH Direct Debit, which capped at $5.00 per transaction, significantly cheaper than the 2.9% credit card fee.
  • Annual Billing: Encourage clients to pay annually rather than monthly to reduce the number of fixed $0.30 fees.
  • Pass Fees to Clients: In some jurisdictions, it is legal to add a "convenience fee" to invoices paid via credit card. Always check local regulations first.

Stripe Fee FAQ

Stripe typically charges an additional 1% for cards issued outside of your home country. If currency conversion is required, another 1% fee is usually applied.

Yes, in most countries, payment processing fees are considered a business expense and are tax-deductible. You should consult with a tax professional for your specific situation.

No, Stripe does not charge a monthly subscription fee for its standard "Integrated" plan. You only pay when you process a transaction.

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