Calculate Stripe fees 2025: rates, formula and comparison
Simulate Stripe fees on your payments. 2025 rates by card type, reverse formula and PayPal vs Stripe comparison.
Published on January 11, 2026Stripe is the reference payment solution for SaaS, e-commerce and startups. Its simple pricing — one rate per card type, no monthly subscription — makes it attractive. But calculating real fees and comparing with PayPal requires knowing the exact rates per transaction type.
Understanding the conversion
In the US, Stripe charges 2.9% + $0.30 per successful card charge. In Europe, 1.5% + €0.25 for European cards and 2.5% + €0.25 for non-European cards (2025 France pricing). No subscription fee on the standard plan. Payouts to your bank account are free within 2 business days. Additional fees apply for refunds ($0.25), disputes ($15) and alternative payment methods.
📐 Formula
📊 Conversion table
| Card type | Rate | Fixed | Fees on $100 |
|---|---|---|---|
| US domestic card | 2.9 % | $0.30 | $3.20 |
| European card | 1.5 % | $0.25 | $1.75 |
| Klarna / BNPL | ~2.99 % | $0.35 | ~$3.34 |
| SEPA debit | 0.8 % | $0.25 | $1.05 (max $5) |
💡 Practical examples
Fees per payment = 29 × 2.9% + 0.30 = $1.14. For 1,000 customers: $1,141/month in Stripe fees.
Fees = 199 × 1.5% + 0.25 = $3.24. Net margin: $195.76.
Stripe (US): 50 × 2.9% + 0.30 = $1.75. PayPal: 50 × 3.49% + 0.49 = $2.24. Stripe is ~22% cheaper.