Stripe Fee Calculator

How Stripe fees are calculated

Stripe’s standard card pricing is a percentage of the payment plus a fixed amount per successful transaction. This calculator uses that model:

fee = amount × percentage_rate + fixed_fee
net = amount − fee

To find the amount to charge so you receive a target net amount, the formula is reversed:

required_charge = (target_net + fixed_fee) ÷ (1 − percentage_rate)

The result is rounded up to the smallest unit of the currency (one cent for NZD, one yen for JPY). Because each fee line is also rounded, the net you receive can be a cent or so above your target. The calculator shows that difference so nothing is hidden.

Worked examples (NZ standard online pricing)

What the presets include — and what they don’t

Each preset shows the region, transaction type, percentage, fixed fee, the date we last checked it and a link to the official source. They reflect Stripe’s published standard pricing only. Your real fees can differ because of:

• card type (premium, corporate or international cards often cost more);
• payment method — wallets, bank debits and buy-now-pay-later options have their own pricing;
• currency conversion when the payment and payout currencies differ;
• where the card was issued and the country of your Stripe account;
• in-person extras such as Tap to Pay or encryption fees, charged per authorisation;
• custom or volume pricing negotiated with Stripe;
• other charges such as disputes, instant payouts or additional Stripe products.

If you have your own rates, choose Custom rate and enter them. When in doubt, check the fees shown on actual transactions in your Stripe Dashboard.

Passing fees on to customers

The “Amount to charge” mode is useful for invoices, deposits and donations where you need a fixed amount to land in your account. Before adding a card surcharge, check the rules in your country and your card scheme agreements — surcharging is regulated in some places and some customers find it off-putting. Building fees into your prices is often simpler.

Selling in New Zealand? Use the GST calculator to work out the GST in your prices, and the profit margin calculator to see how fees affect your margin.