How are Stripe fees calculated?

Stripe's standard US pricing is 2.9% + $0.30 per successful card charge and 0.8% (capped at $5) for ACH bank transfers. International cards add roughly 1.5%. The percentage applies to the full charge amount, and the $0.30 is a flat per-transaction fee on cards.

How do I make sure I receive the full invoice amount?

You "gross up" the charge — increase it so that after Stripe takes its cut, your target amount lands in your account. For a card, the formula is: charge = (amount you want + $0.30) ÷ (1 − 0.029). The calculator above does this for you, or Tillage applies it to every invoice automatically.

Can I pass Stripe fees on to my customers?

Yes. You can add the processing cost as a separate line item or surcharge so the customer covers it. Tillage lets you toggle fee pass-through per team, and the customer sees the fee at checkout before paying — you receive the full invoice amount.

Is it legal to charge customers a card processing fee?

Card surcharging is permitted in most US states when you disclose it clearly and follow card-network rules (it must apply to credit cards only, not debit or ACH, and stay within network caps). Always check your local regulations. Tillage enforces card-only convenience fees with a customizable checkout label to help you stay compliant.

Does Tillage charge its own fee?

Tillage is $0/month with a 1% platform fee that applies only when you collect a payment through the platform. You can pass that 1% to your client alongside Stripe's fee, so getting paid can cost you nothing. Offline payments (checks, wires) have no Tillage fee.

What's the difference between card and ACH fees?

Cards cost 2.9% + $0.30, which adds up on larger invoices. ACH bank transfers cost 0.8% capped at $5, making them far cheaper for big payments — a $10,000 invoice costs ~$290 on card but only $5 via ACH.

Free Tool

Stripe Fee Calculator

Stripe takes 2.9% + $0.30 on cards. Figure out exactly what to charge so you still receive the full amount you're owed — then let Tillage do it for you on every invoice.

Amount you want to receive

Payment method

Include Tillage's 1% platform fee

Charge your client

$1,030.18

Your invoice: $1,000.00
Stripe fee (card): $30.18
You receive: $1,000.00

Effective fee: 2.93% of the charge

Tillage does this automatically.

Flip one setting and every invoice is grossed up for you — your client covers the Stripe and platform fees at checkout, and you receive the full amount. No spreadsheets, no manual math.

Try it free in Tillage

How Stripe fees work

Stripe charges a percentage of every payment plus a small flat fee on cards. The fee comes out of the amount your customer pays, so if you invoice your exact rate, you'll always receive a little less than you billed.

2.9% + $0.30

Standard US credit & debit cards

0.8%

ACH bank transfers, capped at $5

+1.5%

Added for international cards

The gross-up formula

To receive a specific amount after card fees, divide your target by one minus the percentage, after adding the flat fee:

charge = (amount_you_want + 0.30) ÷ (1 − 0.029)

Example: to receive $1,000 on a card, you'd charge (1000 + 0.30) ÷ 0.971 = $1,030.69. Stripe takes $30.69 and you keep your full $1,000. Doing that by hand on every invoice is tedious — which is exactly why Tillage automates fee pass-through.

Stop calculating. Let Tillage handle it.

Tillage is a free quote-to-cash platform. Turn on fee pass-through and every invoice is automatically grossed up — your client covers Stripe's processing fee (and Tillage's optional 1%) at checkout, and you receive the exact amount you billed. No manual math, no eroded margins.

✓ Automatic gross-up on every invoice✓ Card & ACH supported✓ $0/month to use

Stripe Fees FAQ

Common questions about Stripe fees

Everything you need to know about processing fees and how to keep what you're owed.

Get paid in full, automatically

Tillage grosses up invoices and passes fees to clients so you keep 100%. Start free — no credit card required.

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Stripe Fee Calculator

How Stripe fees work

The gross-up formula

Stop calculating. Let Tillage handle it.

Common questions about Stripe fees

How are Stripe fees calculated?+−

How do I make sure I receive the full invoice amount?+−

Can I pass Stripe fees on to my customers?+−

Is it legal to charge customers a card processing fee?+−

Does Tillage charge its own fee?+−

What's the difference between card and ACH fees?+−

Get paid in full, automatically