Free tool
Stripe fee calculator
Enter a payment to see Stripe’s fee and what reaches your account, or enter what you want to receive to see what to charge. Rates are Stripe’s published standard pricing for each country.
No sign-up. Your numbers stay in your browser.
Stripe’s published standard rate, checked October 19, 2026. Edit it if your account has custom pricing.
Your result
Customer pays: $100.00
Results are planning estimates, not professional, financial or federation advice.
How to use it
- 01
Pick your Stripe country
Choose the country of your Stripe account. Its published rates fill in automatically, and you can edit them if you have custom pricing.
- 02
Choose how the customer pays
Select a domestic, premium or international card or a bank debit, and add currency conversion, Stripe Billing or a software fee if they apply.
- 03
Read the result
See the fee and what you keep per payment, the effective rate, and the total for a month of membership payments.
How Stripe fees are calculated
Stripe charges a percentage of each successful payment plus a fixed amount. In the US, a domestic card costs 2.9% + 30¢, so a $100 payment carries a $3.20 fee and you receive $96.80. In the eurozone, a standard EEA card costs 1.5% + €0.25, so an €80 membership carries a €1.45 fee.
The fixed part matters more on small payments: on a $10 drop-in, 30¢ alone is 3% of the price. International cards, premium cards and currency conversion add to the percentage.
Stripe’s standard rates by country
Published standard pricing for online payments, checked on stripe.com on 19 October 2026. Custom and volume pricing differ; your Stripe Dashboard shows the exact fee on each payment.
- United States: 2.9% + 30¢ for domestic cards, +1.5% for international cards, +1% for currency conversion, +0.5% for manually entered cards. ACH Direct Debit is 0.8%, capped at $5.
- Canada: 2.9% + CA$0.30 for domestic cards, +0.8% for international cards, +2% for currency conversion. Pre-authorised debits are 1% + CA$0.40, capped at CA$5.
- United Kingdom: 1.5% + 20p for standard UK cards, 2.8% + 20p for premium UK cards, 2.5% + 20p for EEA cards and 3.15% + 20p for international cards. Bacs Direct Debit is 1% (minimum 20p, capped at £4).
- Eurozone and EEA: 1.5% + €0.25 for standard EEA cards, 2.8% + €0.25 for premium EEA cards, 2.5% + €0.25 for UK cards and 3.15% + €0.25 for international cards. SEPA Direct Debit is €0.35.
- Switzerland: 2.9% + CHF 0.30 for Swiss cards and 3.25% + CHF 0.30 for international cards.
- Brazil: 3.99% + R$0.39 for domestic cards, +2% for international cards. Boleto is R$3.45 per paid boleto.
- Australia: 1.65% + A$0.30 for domestic cards and 3.5% + A$0.30 for international cards (fees include GST). BECS Direct Debit is 1% + A$0.30, capped at A$3.50.
How to charge so you receive a set amount
To keep a set amount after fees, divide it plus the fixed fee by one minus the percentage: (amount + fixed fee) ÷ (1 − rate). To receive $100 from a US card, charge (100 + 0.30) ÷ 0.971 = $103.30. The “I want to receive” mode does this for you, including Stripe Billing and software fees.
Before adding a card surcharge, check the rules where you operate. Surcharges on consumer cards are banned in the EU and the UK, and several US states restrict them. Many clubs build the cost into the membership price instead.
Lowering fees on membership payments
- Offer bank debits for recurring memberships: ACH, SEPA, Bacs and BECS usually cost far less than cards on larger amounts.
- Encourage longer billing periods: one quarterly or yearly payment carries one fixed fee instead of three or twelve.
- Avoid currency conversion by charging in the currency of your bank account.
- Check what your gym software adds on top of Stripe. Some platforms add a percentage to every online payment.
Frequently asked questions
How much does Stripe charge per transaction?
On standard pricing, 2.9% + 30¢ for US domestic cards, 1.5% + €0.25 for standard EEA cards in the eurozone, 1.5% + 20p for standard UK cards, 2.9% + CA$0.30 in Canada and 1.65% + A$0.30 in Australia. International cards, premium cards and currency conversion cost more.
Does Stripe charge a monthly fee?
Not for payments on standard pricing: you pay per successful transaction. If you use Stripe Billing to manage subscriptions on pay-as-you-go pricing, Stripe adds 0.7% of Billing volume.
How do I calculate what to charge to cover Stripe fees?
Use (amount you want + fixed fee) ÷ (1 − percentage fee). For $100 on a US card: (100 + 0.30) ÷ (1 − 0.029) = $103.30. Switch the calculator to “I want to receive” to do it for any country and payment method.
Does Stripe return its fee when I refund a payment?
On standard pricing, issuing most refunds is free, but the processing and currency conversion fees from the original payment are not returned.
Are these the exact fees on my account?
They are Stripe’s published standard rates, checked on 19 October 2026. Custom, volume and IC+ pricing differ, and rates change. Edit the rate fields to match your account; your Stripe Dashboard shows the exact fee on every payment.
What does MatSync add on top of Stripe?
MatSync adds a 0.5% app fee to payments collected through Stripe, on top of Stripe’s own processing fees. Cash and bank transfers you record manually carry no fee. Set the software fee field to 0.5 to see the total.
Run the academy, not the spreadsheet.
MatSync handles schedules, bookings, attendance, belt progress and payments in one place, with a member app for iOS and Android.