ShipKitFree tool
Stripe fee calculator
Enter an amount to see Stripe's fee and what reaches your balance, or the price to charge to receive exactly the amount you want. Standard US rates, checked 2026-09-25.
What applies to this charge
You receive
$96.80
Stripe fee $3.20 · effective rate 3.20%
- Card processing2.90%
- $2.90
- Fixed fee
- $0.30
The same sale on other platforms
Creem, Paddle and Lemon Squeezy are merchants of record: legally, they are the seller, so they collect and remit sales tax and VAT for you. With Stripe, the tax is yours to handle.
| Platform | Fee | You receive | Rate | Handles tax |
|---|---|---|---|---|
| Stripe | $3.20 | $96.80 | 3.20% | No |
| Creem | $4.30 | $95.70 | 4.30% | Yes |
| Paddle | $5.50 | $94.50 | 5.50% | Yes |
| Lemon Squeezy | $5.50 | $94.50 | 5.50% | Yes |
| Stripe Managed Payments | $6.70 | $93.30 | 6.70% | Yes |
Which of these can you actually sign up for? Read the full comparison
Paddle prices products under $10 separately.
For Managed Payments subscriptions we assume Stripe Billing's 0.7% applies too; Stripe does not say either way.
Standard US pricing. Not included: payout fees, refunds, disputes, PayPal surcharges and custom pricing. Rates checked 2026-09-25: Stripe · Creem · Paddle · Lemon Squeezy
How Stripe's fees work
How much does Stripe charge?
A US account pays 2.9% + 30¢ on each successful charge with a domestic card. An international card adds 1.5%, and converting the currency adds 1%. Subscriptions billed through Stripe Billing add 0.7%, and Stripe Tax adds 0.5% where you are registered to collect tax.
What should I charge to receive an exact amount?
Add the fixed fee to the amount you want, then divide by one minus the percentage. For $100 on a domestic card: (100 + 0.30) ÷ (1 − 0.029) = $103.30. Switch to “I want to receive” above and the calculator does this for you, to the cent.
Why is the rate higher on small amounts?
The 30¢ is the same on every charge. On $100 it adds 0.3%; on $5 it adds 6%, so a $5 charge costs about 8.9% in total.
Is Stripe cheaper than a merchant of record?
On the fee alone, usually yes. But with Stripe you are the seller, so registering for, collecting and filing sales tax and VAT wherever it is owed is your job. A merchant of record charges more and does that for you.
Building a SaaS? ShipKit comes with Stripe and Creem already wired in. See ShipKit