Are the default rates my real Stripe fees?

No. They are illustrative planning defaults. Replace them from Stripe’s pricing page for your country and product.

What does charge-for-net solve?

It finds how large the customer charge must be so that after percent and fixed fees you keep the net amount you entered.

Why can effective fee percent exceed the stated percent?

Because the fixed fee is a larger share of small charges. Effective fee = total fees ÷ charge amount.

Is this financial advice from Stripe?

No. It is an educational fee arithmetic guide.

Stripe Fee Basics: Percent, Fixed Fee, and Gross-Up

Card processors often charge a percentage of the charge plus a small fixed fee. This guide explains the transparent arithmetic behind our Stripe fee worksheet—including the optional gross-up mode that finds how large the customer charge must be so you keep a target net. Rates are always user-entered assumptions, not a live Stripe quote.

What This Worksheet Actually Answers

The useful question is: given the percent and fixed fee you take from your pricing page, what are total fees, net payout, and effective fee percent on a charge—or what charge do you need so net equals a target after those same fees? It does not pull live pricing, Radar, Connect, or currency-conversion add-ons.

Educational worksheet, not a Stripe quote

Default inputs (for example 2.9% + $0.30) are illustrative US online starting points only. Replace them with the rates shown for your country, card brand, and Stripe product. Confirm payouts in your Stripe Dashboard.

The Inputs That Drive the Math

Primary fields: solve mode (fees on a known charge vs charge needed for a net), amount, percent fee, and fixed fee per charge. Keep one currency so the arithmetic stays meaningful.

Inputs and Limits

Input	Role in the model	Common confusion
Solve mode	Fees-from-charge deducts fees; charge-for-net grosses up	Treating gross-up as a guaranteed Stripe feature
Amount	Charge amount, or desired net when grossing up	Mixing tax-inclusive and tax-exclusive bases
Percent fee	User-entered processor rate (0–99.99)	Copying a blog tip as a live contract rate
Fixed fee	Per-charge fixed fee you enter	Forgetting international or conversion add-ons

How the Worksheet Orders the Math

Step 1

Choose display currency and solve mode.

Step 2

Enter the charge amount—or the net you want to keep when grossing up.

Step 3

Enter percent and fixed fees from your Stripe pricing page.

Step 4

Review total fees, net payout, charge amount, and effective fee percent.

Open the Stripe Fee Calculator

Enter your scenario and review the worksheet outputs:

Open Stripe Fee Calculator

Worked Scenario

On a $100 charge at 2.9% + $0.30: percentage fee $2.90 + fixed $0.30 = $3.20 total fees; net $96.80; effective fee 3.20%. To keep $100 net with the same rates: charge = (100 + 0.30) ÷ (1 − 0.029) ≈ $103.30.

What This Model Intentionally Omits

Live Stripe Pricing API or Dashboard balances
International cards, currency conversion, and Radar fees
Stripe Connect application fees and dispute costs
Tax, legal, or personalized merchant advice

Bottom Line

Source every rate from documents you trust, stress-test small ticket sizes where fixed fees bite harder, and treat every result as a planning scenario—not a Dashboard remittance.