Stripe fee calculator.
Enter an order total — see the exact Stripe fee and what you actually receive. Defaults to standard EU rates (1.5% + €0.25 for European cards, 3.25% + €0.25 for international).
Enter order details
Defaults work for most small shops in the EU.
You receive (net of Stripe)
What Stripe actually charges, and why effective rate matters.
Stripe's price is two numbers: a percentage (1.5% for EU cards, 3.25% for international, plus a few card-specific exceptions) and a fixed fee per transaction (usually €0.25). On a €25 order, the fixed €0.25 is 1% on its own — so the EFFECTIVE rate on a €25 order is much higher than the headline 1.5%.
The formula
Fee = (amount × percentage) + fixed feeYou receive = amount − feeEffective rate = fee ÷ amount
Why small orders hurt
A €100 order at EU rates pays €1.75 in fees (1.75% effective). A €5 order pays €0.33 — that's 6.6% effective. If your business is high-volume small orders (coffees, single SKUs), Stripe fees are eating more than your card-processing line says.
What to do
You can't change Stripe's rates, but you can: encourage cash for small purchases, raise minimum-order thresholds, or factor the effective fee into your pricing per category. Most owners price for percentage and ignore the fixed-fee impact on small orders.