Does Stripe refund the processing fee on refunded transactions?

No; Stripe does not refund the 2.9% + $0.30 fee when you issue a refund. This means refunded transactions effectively cost you the processing fee with no offsetting revenue. The refund rate input accounts for this hidden cost. High refund rates can significantly increase your effective processing costs.

What qualifies for Stripe's enterprise rate?

Stripe offers custom pricing for businesses processing over $80,000 per month. The standard enterprise rate is 2.7% + $0.30, but larger volumes ($500K+/month) can negotiate even lower rates down to 2.2% + $0.15. Contact Stripe sales for a custom quote based on your specific volume and business type.

How do international payments affect Stripe fees?

International cards and non-USD currencies add a 1% international fee on top of the standard rate. Currency conversion adds another 1-2%. A $50 international transaction could cost 3.9% + $0.30 instead of 2.9% + $0.30. This calculator uses domestic USD rates; add 1-3% for international estimates.

What other Stripe fees should I be aware of?

Additional fees include: $15 per monthly payout via wire transfer, $5 per failed payment dispute (win or lose), 0.5% for Instant Payouts, $2 per month for additional connected accounts, and 1% for international cards. Annual fees for Stripe Billing start at 0.5% per transaction. Review your full Stripe statement for all applicable fees.

How does average transaction size affect total fees?

The $0.30 fixed fee per transaction means that lower-value transactions have a higher effective rate. A $5 transaction has a 8.9% effective rate ($0.45 fee), while a $500 transaction has only 2.96% effective rate ($14.80 fee). Bundling smaller purchases or increasing average order value significantly reduces your effective processing cost.

Can I pass Stripe fees to customers?

Yes, but with restrictions. You can add a surcharge of up to 3% for credit card payments in most US states (check local laws). In the EU and UK, surcharging is generally prohibited. An alternative is offering a cash/discount price vs card price. Stripe's terms allow surcharging but require disclosure. This calculator helps you model the surcharge needed to fully offset processing costs.

What is the difference between authorized and settled amounts?

Stripe charges fees on the authorized amount at the time of payment, not the final settled amount. If you authorize $100 but only capture $95, you still paid the fee on $100. Partial captures and amount mismatches can create small discrepancies in expected vs actual fees. Most businesses see <1% variance between expected and actual fees.

How do subscriptions and recurring billing affect fees?

Stripe Billing charges the same 2.9% + $0.30 per recurring transaction plus an additional 0.5% on each recurring payment. For a $50 monthly subscription, the total fee is approximately $2.00 per month ($1.75 processing + $0.25 billing). Annual billing reduces per-transaction costs by processing once instead of 12 times.

Stripe Fee Calculator

Q: How do subscriptions and recurring billing affect fees?

Stripe Billing charges the same 2.9% + $0.30 per recurring transaction plus an additional 0.5% on each recurring payment. For a $50 monthly subscription, the total fee is approximately $2.00 per month ($1.75 processing + $0.25 billing). Annual billing reduces per-transaction costs by processing once instead of 12 times.

Calculate Stripe payment processing fees including per-transaction fees, percentage fees, and monthly/annual costs with enterprise rate logic.