Stripe Fee Calculator for Ecommerce and SaaS Sellers
Model card processing fees before you choose a checkout stack. Adjust order size, monthly captured orders, international cards, currency conversion and full refunds to see the retained proceeds after estimated Stripe fees and equal-value full refunds.
Optional +1.5% international card and +1% currency conversion assumptions are based on Stripe public pricing. Always verify your account region and custom contract.
Estimate payment fees
US standard cards. Compare proceeds after processing fees and full refunds.
Gross โ refunded sales โ processing fees. Before other costs; not profit.
Average after refunds and processing; before other costs.
Share your assumptions or bookmark a copied estimate link to compare them later.
Full refunds assume equal-value orders: refunded sales = monthly gross ร refund percentage. Original processing fees are retained once. Zero orders or zero order value assumes no captured payments and no fees. Negative proceeds are shown. Excludes tax, disputes, extra refund fees, platform costs and other expenses. Rates vary by region, payment method and contract; confirm live Stripe pricing.
Compare order values
Test a discount or higher order value around $79.00. Keep 500 captured orders per month, card mix and 5% full refunds fixed.
Order thresholds match the baseline retained amount rounded to USD cents, with the same card mix and refund rate. Illustrative sensitivity cases, not a sales forecast or pricing recommendation. Prices, discounts and bundles can change demand and refunds. Retained proceeds are not profit. Select a case, then use the estimate actions above to save or share all five assumptions.
Refund stress test
Compare full-refund rates with your current order value, captured volume and card mix. Original processing fees stay the same; refunded principal reduces retained proceeds.
Illustrative stress cases, not predicted refund rates. Equal-value full orders; retained proceeds are before other costs, not profit. Select a case to copy, share or save its estimate.
When this calculator is useful
Stripe's advertised domestic card rate is simple, but ecommerce and SaaS teams often sell internationally, refund orders, or convert currencies. This calculator turns those assumptions into a monthly fee model before you compare Stripe with Gumroad, Lemon Squeezy, PayPal, Shopify Payments, or Paddle.
Decision checks
- Use your real average order value, not list price.
- Separate domestic and international card mix.
- Run high-refund scenarios before choosing a processor.
- Compare retained proceeds, not only headline processing rate.