Stripe Calculate New Charge Each Month to Credit Card
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Reviewed by Calculator Editorial Team
Understanding how Stripe charges affect your monthly revenue is crucial for financial planning. This calculator helps you determine the new monthly charge to your credit card after accounting for Stripe's fees and processing costs.
How to Use This Calculator
To calculate your new monthly charge to your credit card after Stripe fees:
- Enter your total monthly revenue from transactions in the "Total Monthly Revenue" field.
- Select your Stripe pricing plan (Standard or Custom) from the dropdown menu.
- If you selected Custom, enter your custom Stripe fee percentage.
- Click the "Calculate" button to see your new monthly charge.
The calculator will display your net revenue after Stripe fees and show how much you'll actually receive in your credit card account each month.
Formula Used
The calculation is based on the following formula:
New Monthly Charge = Total Monthly Revenue - (Total Monthly Revenue × Stripe Fee Percentage)
Where:
- Total Monthly Revenue - The sum of all transactions processed through Stripe in a month
- Stripe Fee Percentage - The percentage fee charged by Stripe (2.9% + $0.30 per transaction for Standard plan, or custom percentage for Custom plan)
For the Standard plan, Stripe charges 2.9% plus $0.30 per transaction. For the Custom plan, you can set your own fee percentage.
Worked Example
Let's say you have $10,000 in total monthly revenue and you're on the Standard Stripe plan.
- Total Monthly Revenue = $10,000
- Stripe Fee Percentage = 2.9% + $0.30 per transaction
- First, calculate the total Stripe fees: $10,000 × 0.029 = $290
- Add the fixed fee: $290 + $0.30 = $290.30
- New Monthly Charge = $10,000 - $290.30 = $9,709.70
So, after Stripe fees, you'll receive $9,709.70 in your credit card account each month.
Note: This example assumes you have one transaction of $10,000. If you have multiple transactions, the total fees will be calculated based on the sum of all transactions.
Understanding Stripe Fees
Stripe charges fees for processing payments through their platform. The fees vary depending on your pricing plan:
| Plan | Transaction Fee | Additional Fees |
|---|---|---|
| Standard | 2.9% + $0.30 per transaction | None |
| Custom | Your custom percentage | May include additional fees depending on your agreement |
For businesses with high transaction volumes, Stripe may offer discounts on fees. Always check your current pricing plan and any available promotions.
Frequently Asked Questions
- How does Stripe calculate its fees?
- Stripe charges a percentage fee plus a fixed fee per transaction. The exact amount depends on your pricing plan and transaction volume.
- Can I negotiate Stripe fees?
- Yes, you can negotiate fees with Stripe, especially for businesses with high transaction volumes. Contact Stripe's sales team for custom pricing.
- Are there any hidden fees with Stripe?
- Stripe is transparent about its fees, but there may be additional costs for services like chargebacks, fraud protection, or international transactions.
- How often does Stripe update its fees?
- Stripe periodically reviews and may adjust its fee structure. It's important to stay updated with their latest pricing information.
- Can I use this calculator for international transactions?
- This calculator is designed for domestic transactions. International transactions may have different fee structures that aren't accounted for in this tool.