Stripe Fee Calculator

Stop guessing what your final payout will be. Whether you are a US-based freelancer, a UK agency, or a European SaaS founder, Stripe’s fee structure can be deceptively complex. Between standard processing, invoicing surcharges, and regional tax obligations, your margins are at risk if you don’t calculate the “Ask For” amount correctly.

Our Suyla Global Tool is updated for 2026 rates to help you bridge the gap between your invoice total and your bank deposit.

Stripe’s “Pay-as-you-go” pricing varies significantly by region. To ensure you aren’t short-changed, our calculator factors in the following 2026 standards:

🇺🇸 United States

• Standard Rate: 2.9% + $0.30 per successful card charge.
• Invoicing Surcharge: An additional 0.4% if using the Stripe Invoicing platform.
• Payout Logic: To net $1,000, you generally need to charge $1,030.18 (Standard) or $1,034.44 (Invoiced).

🇬🇧 United Kingdom

• Domestic Rate: 1.5% + £0.20 for standard UK cards.
• VAT on Fees: Unlike the US, the UK applies a 20% VAT to Stripe’s service fees.
• Invoicing: The 0.4% surcharge also applies to professional hosted invoices.

🇪🇺 Europe & Eurozone

• Domestic Rate: 1.5% + €0.25 for standard EEA cards.
• VAT Impact: Most EU countries apply a VAT (avg. 21%) to the processing fees, which our tool calculates automatically.

🇨🇦 Canada & 🇦🇺 Australia

• Canada: Standard 2.9% + $0.30, with specialized logic for provincial taxes (GST/HST) on software fees.
• Australia: 1.75% + $0.30 for domestic cards, subject to 10% GST on fees.

Most businesses make the mistake of simply adding 2.9% to their total. This is mathematically incorrect because Stripe takes its percentage after the fee is added.

Example: If you add exactly $29.00 to a $1,000 invoice, Stripe takes 2.9% of $1,029.00, leaving you with $999.16. You just lost nearly a dollar. Our “Ask For” feature uses the correct inverse mathematical formula to ensure your net payout is exactly what you intended.

2026 Pro Tips for Suyla Users

1. International Surcharges: Expect to add +1.0% to +1.5% if your customer is using a card from a different country than your Stripe account.
2. The Invoicing Cap: Stripe’s 0.4% invoicing fee is typically capped at $2.00 / £2.00 / €2.00 per invoice. For high-ticket items, this can save you significant money.
3. Legal Compliance: While “surcharging” (passing fees to customers) is standard in the US and Australia, it is strictly regulated or prohibited for B2C transactions in the UK and EU. Always check your local consumer protection laws before adding a “Processing Fee” line item.