Free Stripe Processing Fee & Net Payout Calculator
Calculate domestic and international Stripe credit card fees, cross-border FX conversions, and the exact net deposit that will land in your business bank account.
Free Stripe Fee & Net Payout Calculator
Calculate exact processing fees, international card surcharges, and net bank deposits.
QuickFinSync automatically splits Gross, Fees, and Net with a $0.00 balanced Clearing Account Journal Entry.
2026 Stripe Pricing & Surcharge Schedule
Stripe calculates fees per successful charge using a base interchange-plus percentage plus a fixed flat fee. Additional surcharges apply when customers pay with foreign cards or require currency conversion:
| Transaction Type | Standard Rate | Fixed Fee | Effective Cost on $1,000 | Accounting Impact |
|---|---|---|---|---|
| US Standard Cards (Visa, MC, Amex) | 2.90% | $0.30 | $29.30 (2.93%) | Merchant Fees (6050) |
| International Cards (Non-US Cardholder) | 4.40% (+1.5% fee) | $0.30 | $44.30 (4.43%) | Cross-Border Surcharge |
| International + FX Currency Conversion | 5.40% (+2.5% fee) | $0.30 | $54.30 (5.43%) | FX Loss & Processing Fee |
| European Cards (EEA Domestic) | 1.50% | €0.25 | €15.25 (1.52%) | Interchange Capped |
| UK Standard Cards | 1.50% | £0.20 | £15.20 (1.52%) | UK Domestic Standard |
Why Stripe Payouts Break QuickBooks Online Bank Feeds
When an e-commerce customer or SaaS client pays a $1,000.00 invoice, Stripe automatically deducts the $29.30 fee and transmits a net ACH deposit of $970.70 to your Chase, Mercury, or Bank of America checking account.
Matching the $970.70 bank deposit directly to a Sales Income account. This results in:
- Under-reporting gross revenue on tax returns by $29.30.
- Zero record of merchant processing fees as deductible business expenses.
- Inability to reconcile accounts receivable against Stripe dashboard invoices.
Use a Stripe Clearing Account or QuickBooks Split Deposit:
- Line 1: Gross Sales (Income) = +$1,000.00
- Line 2: Stripe Processing Fees (Expense) = -$29.30
- Net Deposit Matched to Bank Feed = $970.70 ($0.00 variance)
QuickFinSync converts Stripe payout settlement CSVs into balanced QuickBooks files automatically.
How to Record Stripe Fees in QuickBooks Online (Step-by-Step)
Follow these exact steps inside QuickBooks Online to reconcile net deposits without duplicates:
Receive Payment to Undeposited Funds
When a customer pays your invoice through Stripe, record the payment against the customer invoice with Deposit to: Undeposited Funds (or Payments to Deposit) for the full gross amount ($1,000.00).
Create Bank Deposit with Negative Fee Line
Navigate to + New > Bank Deposit. Check the customer payment for $1,000.00. Scroll down to the Add funds to this deposit section, select Stripe Merchant Fees as the expense account, and enter -$29.30 in the Amount column.
Click 1-Click Match in Bank Transactions
In your Bank Transactions feed, the downloaded ACH deposit of $970.70 will now display a green 1 Match Found badge against your Bank Deposit. Click Match to complete reconciliation with zero variance.
Frequently Asked Questions About Stripe Fees
Answers to the most common merchant billing and accounting questions:
What are the standard Stripe processing fees in 2026?
Standard domestic transactions processed via Stripe in the United States cost 2.9% + $0.30 per successful charge. In the European Union, standard European consumer cards are billed at 1.5% + €0.25.
Does Stripe return fees when a customer receives a refund?
No. Since 2019, Stripe does not return the original transaction processing fees upon customer refunds. When you refund a $100 charge, you return the full $100 to the cardholder, while the $3.20 fee remains an unrecoverable merchant expense.
What is the Stripe fee for international cards?
Stripe assesses a +1.5% surcharge for cards issued outside your account country. If currency conversion is also required, an additional +1.0% foreign exchange fee is added, resulting in a 4.4% to 5.4% effective fee rate.
What is a Stripe Clearing Account and why is it recommended?
A clearing account is a temporary holding asset account in your General Ledger that tracks gross Stripe customer payments and payouts. It eliminates reconciliation headaches by isolating payment processing delays, reserves, and processing fee deductions.
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