Stripe Fee Calculator for United States
Review the United States Stripe payment estimate in USD, including its displayed source status and the cases that require a custom rate. Inputs stay in your browser and are not sent to a server.
Verified limited US estimate. This country page models a standard online card payment only, not the complete Stripe pricing model. Override the rate for a different card, payment method, currency, product, Connect setup, or negotiated price.
Independent estimate and input privacy
Scope boundary: these tools do not verify bank accounts, IBAN, BIC/SWIFT, SEPA eligibility, payout timing, or bank-transfer charges.
United States currency and assumptions
United States Stripe planning models card-processing percentage and fixed charges separately from product margin and state and local sales-tax or marketplace-collection rules.
USD is used for this Stripe worksheet; card origin, payment method, Billing, Connect, Radar, Tax, and negotiated pricing stay outside the default unless explicitly shown.
Stripe US default scope and USD 100 example
The maintained default is limited to a US domestic online card payment at 2.9% + USD 0.30. International cards, currency conversion, non-card methods, Connect, Billing, disputes, refunds, Radar, Tax, and custom pricing are outside that rule.
For a USD 100.00 payment under the limited default, the estimated Stripe fee is USD 3.20 and the estimated amount received is USD 96.80.
Stripe fee examples for common amounts
When to use this calculator
- Estimate a limited US standard online card payment using the shown 2.9% + USD 0.30 assumption.
- Model your own Stripe pricing when your dashboard shows a different card, product, country, Connect, or custom pricing rule.
- Compare the same sale against marketplace fee rows without treating the result as a recommendation.
What is included in this estimate
- The limited US standard online card estimate shown on the page.
- Customer payment amount, shipping charged, product cost, shipping cost, and ad cost.
- Custom fee override for your own checked percentage, fixed, international, conversion, or manual fee values.
What is not included
- Connect, Billing, Terminal, Radar, disputes, refunds, international cards, non-card payment methods, Stripe Tax, and custom pricing.
- Non-US default Stripe pricing unless you enter a checked custom rate.
- Official Stripe statements, tax filing, accounting advice, and legal advice.
Common mistakes
- Treating the limited US standard online card estimate as a complete Stripe pricing model.
- Forgetting that product, payment method, Connect setup, Radar, disputes, refunds, and custom pricing can change costs.
- Using a non-US Stripe page without entering a checked custom rate.
- Comparing Stripe directly against marketplaces without accounting for demand, listing rules, or marketplace services.
Custom fee override
United States Stripe page: Use custom fee override if your Stripe dashboard or official pricing page gives you a current percentage, fixed fee, international fee, or conversion fee for the sale you want to model.
United States Stripe page: when no maintained default matches the transaction, manual-rate mode requires values from the official pricing page, dashboard, invoice, or statement.
United States Stripe page: custom override can combine a percentage, fixed amount, international percentage, conversion percentage, and extra manually checked fee.
Source status
United States Stripe page status: verified limited US standard online card estimate; this is not a complete Stripe pricing model, and its reviewed sources and assumptions are listed below.
Last reviewed date: 2026-08-11
Limited US standard online card estimate reviewed from the official Stripe Pricing cards and wallets page. Rechecked on 2026-08-11: the 2.9% + USD 0.30 domestic online card rule used here is unchanged. Dispute received and countered fees, Smart Disputes, Metronome, Radar, Connect, Billing, and other Stripe products remain outside this card-processing estimate. This is not a complete Stripe pricing model and must not be used for non-US Stripe pricing.
Assumptions
- United States Stripe assumption: Amounts are shown in USD.
- United States Stripe assumption: US sales tax is not included as verified platform fee data in this estimate.
- United States Stripe assumption: Domestic buyer examples assume the buyer country remains United States unless you change it.
- United States Stripe assumption: Seller country: United States.
- United States Stripe assumption: Currency received: USD.
- United States Stripe assumption: Standard online card estimate.
- United States Stripe assumption: Domestic card assumption.
- United States Stripe assumption: No international card surcharge.
- United States Stripe assumption: No currency conversion.
- United States Stripe assumption: No subscriptions, Billing, Connect account fees, Terminal, ACH, local payment methods, dispute received fees, dispute countered fees, Smart Disputes fees, refunds, Radar, Tax, or custom pricing unless entered through custom override.
- United States Stripe assumption: Stripe's Metronome Startup block includes a $100,000 billing allotment and 10 million usage events; Metronome is a separate usage-based Billing product and is not included in the default card-processing estimate.
- United States Stripe assumption: Dispute fees are not included in the default estimate; Stripe Pricing lists a USD 15.00 dispute received fee and a USD 15.00 manually countered dispute fee; won manual disputes return the countered fee, lost manual disputes do not.
- United States Stripe assumption: Smart Disputes are not included in the default estimate; Stripe Pricing lists 30% of the disputed amount for each Smart Disputes case won, no Smart Disputes fee for lost disputes, and the dispute received fee still applies.
- United States Stripe assumption: Radar and related fraud-prevention products are not included in the default estimate.
- United States Stripe assumption: The limited US card estimate starts with a domestic buyer-card assumption; change buyer country or use custom override when cross-border terms apply.
- United States Stripe assumption: US standard online domestic card estimate; Not a complete Stripe pricing model.
FAQ
How are seller fees calculated?
Stripe fees for this United States page are estimated from the gross sale amount, the displayed fixed charge, optional international or conversion charges, and any custom fee amount you enter.
Why can the actual fee differ from this estimate?
Stripe results for United States can differ when account pricing, payment method, buyer location, disputes, refunds, tax handling, subscriptions, promotions, or custom terms change the charge.
Does this calculator include international fees?
International fees depend on card origin, seller country, and pricing terms. The calculator only applies them when reviewed data is available or when you enter a custom fee amount.
Does this calculator include currency conversion?
Currency conversion is not assumed by default. Add a custom fee amount if your Stripe transaction includes conversion or cross-border charges you have verified.
Does this calculator include VAT or sales tax?
Stripe US estimates do not treat sales tax as verified platform-fee data. Do not use the result for US tax filing. Confirm sales tax and income reporting with official sources or a qualified professional.
Can I enter my own custom fee rate?
Yes. On the United States page, the Stripe override accepts a percentage, fixed amount, international percentage, conversion percentage, extra manual fee, and note.
Should I use this result for tax filing?
No. Do not use the Stripe estimate for United States tax filing; consult official authorities or a qualified professional for compliance decisions.
Is this Stripe processing estimate operated by Stripe?
No. This independently maintained Stripe calculator for United States uses the platform name only to identify the modeled fee rule and has no endorsement or sponsorship relationship.
Is this a complete Stripe pricing model?
No. Not a complete Stripe pricing model. This is a limited US standard online card estimate. Stripe pricing may vary by product, payment method, country, card type, currency conversion, Connect setup, subscriptions, disputes, refunds, and custom pricing.
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- Fee sources and review dates
United States Stripe data is maintained for this page; links to other platforms use their verified US pages when no equivalent local default is available.