Work out exactly what Stripe keeps from a sale and what reaches your bank. Enter the price, the shipping the buyer pays and what the item cost you, and this shows the fee on every line, the total taken, your net, and the effective percentage on the whole order.
Stripe charges a percentage plus a fixed amount on every successful card charge, with no monthly fee and no setup fee. The published rate for standard online card payments in the United States is 2.9 per cent plus 30 cents, which this tool pre-fills.
The reason this matters is that a percentage alone tells you almost nothing. A flat fee per order is a rounding error on a $200 basket and a fifth of the margin on a $4 one, so two sellers quoting the same headline rate can keep wildly different shares of their revenue. The only number worth knowing is the effective rate on your own average order, and that is what this calculates.
Every rate below is an editable field rather than a number baked into the page. Marketplace fee schedules change without notice and differ by country, by category and by seller tier, so the figures here are pre-filled defaults and the marketplace's own fee page is the authority. Open it, check the rate that applies to you, and type it in. The arithmetic is the part this tool is good at.
The rates. Defaults are typical published figures, and the Stripe fee page is the authority. Check yours and change anything that differs.
Stripe adds a percentage for cards issued outside your country and another for currency conversion. Both sit on top of the standard rate.
What Stripe charges, and for what
| Fee | What it is |
|---|---|
| Per successful charge | A percentage plus a fixed amount. Failed payments cost nothing. |
| International cards | An extra percentage when the card was issued outside your own country. |
| Currency conversion | A further percentage when the charge is converted into your settlement currency. |
| Disputes | A flat fee per chargeback, returned if you win the dispute. |
Rates and which of these apply to you depend on your country, your category and your seller tier. Stripe publishes them here and that page is the one to trust.
Three things sellers get wrong about marketplace fees
Shipping is usually part of the fee base. On most marketplaces the commission is charged on the total the buyer paid, which includes what they paid for postage. Charging $6 shipping does not hand you $6; it hands you $6 minus the commission on it, and if your actual postage cost $6 you are out of pocket.
The fixed fee is the one that hurts. A 30 cent flat fee is 0.15 per cent of a $200 order and 7.5 per cent of a $4 one. Any seller whose average order is under about $15 should be pricing around the flat fee rather than around the percentage.
The effective rate is not the headline rate. Stack a commission, a payment percentage, a flat fee and a listing fee and the number you actually pay is always higher than the biggest one on the list. The figure to plan with is the one at the bottom of this calculator, on your own typical order.