How the savings estimate works
This calculator uses a simple model to show the average savings we can make for your volume and industry. The exact proposal comes after we review your statements and learn about your business.
Your result is saved in the page address, so you can bookmark it or share it with your finance team. The calculation runs in your browser.
How to find your Stripe effective rate
Your effective rate is your total Stripe fees divided by your total card volume for the same period. It's the single number that makes pricing comparable.
- In the Stripe Dashboard, open Reports (or Balance) and choose a full period, ideally the last three complete months.
- Note the total gross volume of card payments for that period.
- Note the total fees for the same period. Include processing fees and product fees such as Billing, Radar and Tax.
- Divide fees by volume and multiply by 100.
Effective rate = total fees ÷ total card volume × 100
Example: $187,500 in fees on $6,250,000 of volume in a quarter is an effective rate of 3.00%. Enter 3.0 in the calculator above, or switch to "Total fees paid" and type the dollar amounts directly.
What a lower effective rate is worth per year
Small differences in rate become large numbers at scale. Each 0.10 percentage point on $25M of card volume is $25,000 a year.
| Annual card volume | 0.10 pt | 0.25 pt | 0.50 pt | 0.71 pt |
|---|---|---|---|---|
| $10,000,000 | $10,000 | $25,000 | $50,000 | $71,000 |
| $25,000,000 | $25,000 | $62,500 | $125,000 | $177,500 |
| $50,000,000 | $50,000 | $125,000 | $250,000 | $355,000 |
| $100,000,000 | $100,000 | $250,000 | $500,000 | $710,000 |
Plain arithmetic: volume × rate difference. No assumptions about your pricing.
What Stripe charges per transaction
These are Stripe's standard US prices. If you negotiated custom pricing, your rates are different, so use your actual effective rate in the calculator above.
| Fee | Standard price |
|---|---|
| Domestic online card | 2.9% + $0.30 per successful charge |
| International card | +1.5% on top of the card rate |
| Currency conversion | +1% when a conversion is needed |
| Manually entered card | 3.4% + $0.30 |
| Dispute (chargeback) | $15 per dispute |
Source: Stripe's published US pricing at stripe.com/pricing, as of October 2026. Merchants on custom Stripe pricing pay different rates.
For every fee, including Billing, Radar, Tax and Connect, see Stripe fees explained.