# Stripe Fee Calculator

> Calculate exactly how much Stripe charges per transaction, including processing fees, currency conversion, and dispute costs -- then compare with Dodo Payments.

- **URL**: https://dodopayments.com/tools/stripe-fee-calculator

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## What is the Stripe Fee Calculator?

The **Stripe Fee Calculator** helps you understand the true cost of processing payments through Stripe. While Stripe's headline rate of 2.9% + 30c per transaction seems straightforward, the actual cost structure includes multiple layers of fees that vary by payment method, currency, customer location, and billing model.

This calculator breaks down every fee component so you can see your real effective rate and compare it against Dodo Payments' transparent pricing.

## Why Understanding Stripe Fees Matters

Stripe's fee structure has several variables that can significantly impact your bottom line:

- **Base processing fees** differ by region (2.9% + 30c for US cards, higher for international).
- **Currency conversion** adds 1% on top of the base rate when your customer pays in a different currency.
- **International card surcharges** add another 1.5% for cards issued outside your country.
- **Dispute fees** cost $15 per chargeback regardless of outcome.
- **Billing and invoicing** features add additional per-invoice fees.
- **Radar fraud prevention** has premium tiers with per-screening charges.

For a SaaS business processing $50,000/month with 30% international customers, these hidden fees can add $500-$1,000 in unexpected costs monthly.

## Stripe's Fee Structure Breakdown

### Standard Card Processing

- **Domestic cards**: 2.9% + 30c per successful charge
- **International cards**: +1.5% additional fee
- **Currency conversion**: +1% when converting currencies

### Additional Fees

- **ACH Direct Debit**: 0.8% (capped at $5)
- **Wire transfers**: $8 per payment
- **Disputes/Chargebacks**: $15 per dispute
- **Instant payouts**: 1% of payout amount (minimum 50c)
- **Billing**: 0.5% on recurring payments via Stripe Billing
- **Invoicing**: 0.4% on paid invoices (plus card processing fees)

### Volume Discounts

Stripe offers custom pricing for businesses processing over $100,000/month, but rates are negotiated individually and not publicly disclosed.

## Input Metrics

- **Monthly Transaction Volume**: Total dollar amount processed through Stripe each month.
- **Average Transaction Size**: The typical payment amount per transaction.
- **Percentage International Customers**: Share of customers using cards issued outside your country.
- **Currency Conversion Needed**: Whether you accept payments in currencies other than your settlement currency.
- **Monthly Dispute Rate**: Average number of chargebacks or disputes per month.
- **Using Stripe Billing**: Whether you use Stripe's subscription billing features.

## Output Metrics

- **Effective Fee Rate**: Your true all-in percentage cost per transaction after all fees.
- **Total Monthly Fees**: The dollar amount Stripe deducts from your revenue each month.
- **Fee Breakdown**: Itemized view of processing, international, conversion, dispute, and billing fees.
- **Dodo Payments Comparison**: Side-by-side comparison showing your costs with Dodo Payments' 4% + 40c flat rate, which includes MoR, tax compliance, and no hidden international fees.
- **Annual Savings with Dodo**: Projected yearly savings by switching to Dodo Payments.