How Stripe fees affect a sale
Start with the full amount charged to the customer, including shipping and collected tax. The calculator estimates processing fees and the amount left after those fees. That remaining amount may still include tax you owe and must cover product cost, fulfillment, advertising and other expenses. It is not net profit or a bank-payout forecast.
Formula
Fee = Charge × rate + fixed fee
Net after processing = Charge − Fee · For a target net N: Charge = (N + fixed fee) ÷ (1 − rate)
U.S. presets and custom rates
The online-card preset uses Stripe’s published U.S. standard rate of 2.9% plus $0.30 per successful domestic card payment. Select only applicable additions: 1.5 percentage points for an international card, 1 point when currency conversion is required, and 0.5 point for a manually entered card. These add to the rate; they are not percentages of the processing fee.
The U.S. ACH Direct Debit preset uses 0.8% with a $5 processing-fee cap. Verification, failed payments and other charges are excluded. Custom mode uses your entered percentage and fixed fee without card additions or a cap. Use it only when a single percentage-plus-fixed model matches your agreement; it cannot reproduce every negotiated pricing structure.
All amounts are USD. The date of the preset ledger is October 14, 2026. Confirm your account’s pricing and payment method against Stripe’s official pricing before using an estimate for a decision. Other countries, Terminal, Billing, Invoicing, Tax, Connect, refunds, disputes, payout charges and other Stripe products are outside these presets.
Calculate fees or work backward from a net target
For a charge A, rate p and fixed fee f, the basic unrounded relationship is fee = A × p + f and net after processing = A − fee. A $100 domestic online-card charge has a $3.20 modeled fee and leaves $96.80 before other costs.
For a desired amount N after processing, the unrounded uncapped relationship is A = (N + f) ÷ (1 − p). Adding the fee on a $100 charge to a $100 target does not work: the higher charge itself incurs a higher percentage fee.
This tool searches in cents using its rounded fee model. To retain $100 under the domestic-card preset, the smallest modeled charge is $103.30: fee $3.30, net $100.00. At $103.29, the same modeled fee leaves $99.99. ACH reverse pricing also respects the cap rather than using an uncapped formula.
| Scenario | Charge | Fee | Net |
|---|---|---|---|
| Fees from a $100 charge | $100.00 | $3.20 | $96.80 |
| Smallest charge that keeps $100 | $103.30 | $3.30 | $100.00 |
| One cent lower | $103.29 | $3.30 | $99.99 |
Rounding and small payments
Money inputs accept cents; custom percentages accept two decimals. The model combines selected percentage additions, rounds that percentage fee to the nearest cent with half-cents upward, then adds the fixed fee. ACH processing fees are capped at $5. The reverse result is the smallest positive cent charge meeting the target under this model, within the $1,000,000 calculation limit.
Your actual fees can differ because of pricing agreements, separate fee components or transaction adjustments. Very small entered amounts can show a negative amount after the modeled fixed fee. This is a planning calculation, not confirmation that Stripe would accept a charge of that size.
Use processing fees in your margin calculation
Bring the payment fee into the separate selling-cost field in the margin and markup calculator. For advertising limits, include payment fees among non-ad variable costs in the break-even ROAS calculator. Avoid subtracting the fee twice if you start from an amount already net of processing.
Reverse pricing is a price-planning scenario. It does not decide whether adding a customer surcharge is permitted or configure your checkout. This free tool does not connect to Stripe, and Taxomate’s supported marketplace accounting integrations are separate from this calculator.
Browse all seller tools and templates to plan product costs, marketplace fees and accounting workflows.
Questions sellers ask
Is the amount left after Stripe fees my profit?
No. That remaining amount may still include tax you owe and must cover product cost, fulfillment, advertising and other expenses. It is not net profit or a bank-payout forecast.
How do the card add-ons change the rate?
The online-card preset uses 2.9% plus $0.30 per successful domestic card payment. Select only applicable additions: 1.5 percentage points for an international card, 1 point when currency conversion is required, and 0.5 point for a manually entered card. These add to the rate; they are not percentages of the processing fee.
How does the ACH preset work?
The U.S. ACH Direct Debit preset uses 0.8% with a $5 processing-fee cap. Verification, failed payments and other charges are excluded.
Why not add the fee to a $100 target?
Adding the fee on a $100 charge to a $100 target does not work: the higher charge itself incurs a higher percentage fee. To retain $100 under the domestic-card preset, the smallest modeled charge is $103.30.