Stripe Fee Calculator

Stripe International Card Fee Calculator: 2026 Guide

Selling a course to a buyer overseas or invoicing a client abroad? The amount you charge through Stripe may differ from what you keep. Our Stripe international card fee calculator/Stripe fee calculator helps you estimate the processing fee and net amount for an online card payment—and work backwards from a target amount you want to receive.

The important detail is that “international” is not one universal Stripe rate. Pricing depends on where your Stripe account is registered, where the customer’s card was issued, and whether Stripe itself converts the payment currency. Below, you will find a quick method for choosing the right inputs, worked examples, and a comparison of US, UK, Irish, and Canadian standard pricing. That helps you price a project or digital product accurately. For a quick payment estimate, use our Stripe Fee Calculator.

Direct answer: To estimate Stripe’s fee on an international card, choose your Stripe account country, the card’s issuing region, and whether Stripe converts the charge currency. Apply that account’s published online-card rate and fixed fee, then add any applicable conversion charge. Subtract the estimated fee from the customer payment to see your net.

Place the calculator here.

The calculator on this page currently supports Stripe accounts in the US, UK, and Germany. Ireland and Canada are discussed below for comparison; they are not selectable calculator countries.

How to use the international card fee calculator

1. Choose your Stripe account country. Select the country of the business account receiving the payment, rather than your customer’s country.
2. Choose the card’s issuing region. A foreign customer can pay with a locally issued card, and a local customer can use a foreign-issued card. Card origin is the relevant input.
3. Decide whether Stripe converts currency. Select “Yes” only if Stripe converts between the charge and settlement currencies. A foreign-issued card does not automatically mean Stripe performs conversion.
4. Enter the amount. Use “Customer pays → I receive” to estimate your net. Use reverse mode when you know the net you want and need an estimated charge.
5. Read the breakdown. Compare the card rate, fixed fee, any US international surcharge, any Stripe-side conversion fee, and effective fee percentage.

The result is an estimate of standard online-card processing costs, not a live exchange-rate quotation. A custom Stripe contract or extra Stripe products can change the actual amount.

What makes a Stripe card payment international?

For this calculation, start with the card’s issuing region and your Stripe account location. A US freelancer with a US Stripe account may accept a payment from a card issued in the UK. That card is international for the US account, even if the freelancer charges the buyer in US dollars.

Now consider a different case: a UK customer uses a UK-issued card to pay a business with a UK Stripe account, but the business charges in another currency and settles in pounds. The card origin and the currency-conversion question are separate. Never tick an international-card option solely because the invoice was sent across a border.

Stripe’s documentation distinguishes the customer’s payment-method currency, the charge or presentment currency, and the business’s settlement currency. If the charge differs from the settlement currency, Stripe may convert it. The buyer’s card issuer can separately charge the buyer for conversion or a foreign transaction; that charge does not belong in a calculator of the merchant’s Stripe processing fee. Stripe explains these currency distinctions here.

International card fees by Stripe account country

The table summarizes standard online-card pricing displayed by Stripe on September 13, 2026. Each row assumes a charge in the account currency for the simple examples that follow. “Conversion” is an additional fee only when Stripe conversion is required. Rates for premium cards, manually entered payments, custom contracts, and extra Stripe products can differ.

*Stripe places an asterisk beside the Canadian international-card surcharge; check its current Canadian pricing page and any applicable conditions before quoting a client.

Sources: US, UK, Ireland, and Canada. The calculator also supports Germany using Stripe’s German pricing: standard EEA cards are 1.5% + €0.25, UK cards 2.5% + €0.25, and other international cards 3.15% + €0.25; its listed conversion add-on for the specified international categories is 2%.

Notice the structural difference. A US international-card calculation adds a surcharge to the base card rate. A UK or Irish calculation selects the published rate for that card category. Simply adding “1.5% international” to every country’s domestic rate would misstate those markets.

US example: an overseas client pays $100

Suppose you have a US Stripe account. Your overseas client pays $100 with a card issued outside the US, and Stripe does not convert the payment currency. The published online-card calculation is:

$100 × (2.9% + 1.5%) + $0.30 = $4.70 estimated fee.

Your estimated net is $95.30. If the same charge requires Stripe-side currency conversion, add 1% of $100, or $1.00. That brings the estimated fee to $5.70 and the estimated net to $94.30. These figures do not include a buyer’s bank charge or an actual foreign-currency settlement quote. Stripe US pricing.

UK example: EEA card versus another foreign card

For a UK Stripe account receiving a £100 online payment, an EEA-issued card has a published rate of 2.5% + £0.20: an estimated £2.70 fee and £97.30 net, without Stripe conversion. A card in Stripe’s other international category has a rate of 3.15% + £0.20, giving a £3.35 fee and £96.65 net.

If conversion is required in either of these international scenarios, Stripe’s UK page lists an additional 2%. That would add £2.00 to the simple £100 fee illustration. Choose the right card category before checking the conversion option. Stripe UK pricing.

How do you calculate the amount to charge?

If you promise a client that you will receive $100, charging $100 will leave you short after processing. Reverse calculation starts with your target net, then finds a charge that covers the percentage and fixed fee. For a simple percentage rate, an initial gross-up is:

Charge ≈ (target net + fixed fee) ÷ (1 − combined percentage rate).

For the US international-card example with Stripe conversion, the percentage used in this simplified illustration is 2.9% + 1.5% + 1% = 5.4%. For a $100 target, the calculator’s cent-level fee calculation produces a $106.02 charge, an estimated $6.02 fee, and $100.00 net. Minor rounding can affect the final cent; that is why reverse mode checks the charge after rounding rather than displaying only the raw division.

Use the reverse result as a pricing estimate, not an instruction to add a card surcharge automatically. How you present a price to your customer depends on your agreement and applicable local and card-network rules. You can build processing costs into your overall price without claiming the fee is precisely recoverable on every future payment. If you need to show payment processing costs on an invoice, try the Payment Fee Invoice Tool.

Pro tip: use the four-part payment map before quoting

When setting prices for international clients, write down four facts for a typical sale: account country → card origin → charge currency → settlement currency. This short map catches a mistake that a generic percentage calculator often misses.

For example, “US account → UK-issued card → USD charge → USD settlement” points to a foreign-card fee without assuming Stripe conversion. Changing the last two entries may introduce a Stripe-side currency conversion. A buyer’s card statement might still show a separate issuer charge; it is not your Stripe processing deduction. When the invoice itself needs amounts in another currency, use the Multi-Currency Invoice Tool.

Why might your actual Stripe payout differ?

The calculator focuses on standard online-card fees for supported account countries. A Stripe balance or bank payout can differ because a payout is not necessarily one transaction. It can reflect multiple charges or other account activity. Before concluding that a calculator is wrong, compare its estimate with the fee details for the specific payment in your Stripe account.

Check these inputs first:

• Was the card issued in the region you selected?
• Did Stripe convert the charge into your settlement currency?
• Was the card standard, premium, or manually entered where a different rate applies?
• Do you have custom pricing or an additional Stripe product?
• Are you comparing a single payment’s net with a later combined payout?

The calculator does not forecast a changing exchange rate, buyer-side fees, refunds, disputes, tax, or subscription and invoicing products. When a payment crosses currencies, use the Stripe transaction details as the record of what actually happened. Stripe’s currency documentation explains why charge and settlement amounts can differ.

Key takeaways

• Card origin and Stripe currency conversion are separate inputs. A foreign-issued card does not always trigger Stripe-side conversion.
• Use account-specific pricing. US, UK, Ireland, and Canada do not share one universal international-card percentage.
• Use the calculator for US, UK, or German accounts. Ireland and Canada appear here as researched comparisons, not supported calculator selections.
• Treat reverse mode as a quote-planning tool. The final Stripe fee depends on the payment’s real card and currency details.
• Recheck published rates before major pricing decisions. The examples reflect the standard pages reviewed on September 13, 2026.

FAQs: Stripe international fee calculator