Stripe fee calculator
Calculate Stripe's fee and your payout on any amount, or what to charge to receive a set amount. Uses Stripe's published US rates: 2.9% + 30¢, +1.5% international.
Stripe's published US card rates
| Stripe payment type | Published fee | Fee on a $100 sale | You keep |
|---|---|---|---|
| Card payment, domestic card | 2.9% + $0.30 | $3.20 | $96.80 |
| Manually entered domestic card (+0.5%) | 3.4% + $0.30 | $3.70 | $96.30 |
| International card | +1.5% | added to the rate above | |
| Currency conversion needed | +1% | added to the rate above | |
Source: stripe.com/pricing, standard US pricing, checked 2026-10-27. Rates change and negotiated pricing differs, so confirm on that page before quoting a client.
Other Stripe fees that show up in payouts
- Disputes: $15.00 for each dispute received, plus $15.00 if you counter it manually. Stripe returns the countered fee if you win.
- Instant Payouts: 1.5% of the payout (minimum 50¢). The standard payout schedule is free.
- Refunds: no fee to refund a card payment, but the original processing fee is not returned.
Booking Stripe fees
Stripe deducts fees before paying out, so the bank deposit is sales minus refunds minus fees. Post the fee to a merchant-fees expense account rather than netting it against sales. See recording Stripe fees in QuickBooks, Stripe payouts to a QuickBooks journal entry and reconciling Stripe payouts in Xero.
Turn the fees into journal entries
The fee is only half the job. Each payout lands in the bank as one net amount, so your books need sales, refunds and fees split back out. Guides: Stripe payout reconciliation · PayPal to QuickBooks journal · Square deposit reconciliation · the clearing-account method · free payout reconciliation template (Excel).
Other calculators: PayPal fee calculator · Square fee calculator · compare all three.
FAQ
What is Stripe's fee on $100?
On a domestic card at the published 2.9% + 30¢, the fee is $3.20 and you keep $96.80.
How much does Stripe charge for international cards?
Stripe's pricing page lists +1.5% for international cards, plus another 1% if currency conversion is required.
Is it really private?
Yes. Your files are read and processed by JavaScript running in your browser tab; their contents are never sent over the network. You don't connect PayoutSplit to Stripe, PayPal, Square, Shopify or your accounting software, so there's no access to revoke later.
Which processors are supported?
Stripe (payout reconciliation itemized and balance change from activity reports), PayPal (activity download, English headers), Square (Transactions CSV and Transfers CSV) and Shopify Payments (transactions export). Bank files from any bank can be added for deposit matching.
What does a payout journal entry look like?
Debit your bank for the deposit, debit processing fees, refunds and chargebacks, and credit gross sales (plus sales tax and tips payable when the export has them). The entry always balances, and the bank line equals the deposit to the cent.
I already record sales another way. Will this double count?
Only if you leave Sales income pointed at your real income account. If your POS or store already books each sale, set Sales income to the clearing or Undeposited Funds account under Your account names — the journal then just moves the net to the bank and records the fees.
What if a payout doesn't add up?
When the export includes the payout row (Stripe balance report, Shopify, PayPal withdrawals), PayoutSplit compares it with the sum of the transactions. A difference is flagged and booked to the clearing account so you can investigate instead of importing a wrong number.
What's free?
Every export format for up to 10 payouts per download, one processor file plus one bank file at a time. No account needed. Pro removes the limit and lets you combine several exports and processors in one go.