How the fee is calculated
Processing fee = round(charge × 2.9% + $0.30)
Net payout = charge − processing fee
Effective fee % = fee ÷ charge (rises on small charges because of the fixed $0.30)
Worked examples (live calculator math)
$100.00 charge — fee $3.20, net $96.80, effective 3.20%
$25.00 charge — fee $1.03, net $23.97, effective 4.12%
$10.00 charge — fee $0.59, net $9.41, effective 5.90% (fixed fee dominates)
When the $0.30 fixed fee dominates
On a $10.00 charge, $0.59 of the 5.90% effective fee is the flat $0.30. On $100.00, the percent share grows and effective fee drops toward 2.9% plus a small fixed bump. That is why micropayments and low-ticket items feel “more expensive” on Stripe even though the headline rate is unchanged.
Need a target net instead?
If you want to keep a specific amount after fees, use the Stripe reverse calculator or read what to charge after fees.