Reverse calc
Stripe US: 2.9% + $0.30 domestic, +1% intl, +1% FX, $15 per chargeback. Connect Express ~0.25% + $0.10/payout. Refunds: original fee stays with Stripe.
Net revenue / mo
$92,673
Total fees / mo
$3,357
3.39%
Gross / mo
$99,000
Disputes
$30
2 × $15
Refund $ lost
$2,970
3% of gross
Annual net
$1,112,077
Annual fees
$40,283
Charge to receive $X
$103
for net $100
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About
How much of your revenue does Stripe actually take? This calculator models domestic vs international card volume and currency conversion to estimate your true net.
How it works
- 01Domestic: 2.9% + $0.30 per transaction.
- 02International cards: +1.0% (so 3.9% + $0.30).
- 03Currency conversion: +1.0% of converted amount.
- 04Net = gross − all fees.
Examples
B2B SaaS, US-only
$99 average × 1,000 charges × 95% domestic = ~$96k gross, ~$3.1k fees. ~3.2% effective rate.
Global e-commerce
Same volume but 40% international with currency conversion: effective rate climbs to ~4.5% — almost $1.5k more per month.
FAQ
Do I need Stripe Atlas pricing?+
Atlas doesn't change processing fees — it's an incorporation product. Standard Stripe rates apply unless you've negotiated volume pricing.
When can I negotiate?+
Typically at $80k–$100k monthly volume. Email a Stripe AE with your projected annual volume.
Are ACH / SEPA cheaper?+
Much cheaper — ACH is 0.8% capped at $5, SEPA is €0.25 flat. Use them for invoicing and high-ticket B2B.