Stripe Fee Calculator European Union (2026 Updated Rates)
Stripe EU charges 1.5% + €0.25 for cards issued in the European Economic Area. UK-issued cards cost 2.5% + €0.25 and other international cards 3.25% + €0.25, plus a 2% currency-conversion markup when settling to EUR.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Stripe (this page) | €1.75 | €98.25 | baseline | |
| Wise | €0.93 | €99.07 | +€0.82 More 🟢 | PK → |
| Square | €3.20 | €96.80 | −€1.45 Less 🔻 | PK → |
| PayPal | €3.98 | €96.02 | −€2.23 Less 🔻 | PK → |
| Lemon Squeezy | €5.50 | €94.50 | −€3.75 Less 🔻 | PK → |
| Paddle | €5.50 | €94.50 | −€3.75 Less 🔻 | PK → |
| Gumroad | €13.70 | €86.30 | −€11.95 Less 🔻 | PK → |
SaaS billing vs Merchant-of-Record break-even
| Provider | Monthly | Annual | Eff. rate | vs cheapest |
|---|---|---|---|---|
| Stripe (+ Billing & Tax)CHEAPEST | $515.00 | $6,180.00 | 5.15% | — |
| Polar.sh | $575.00 | $6,900.00 | 5.75% | +$60.00/mo |
| Paddle | $600.00 | $7,200.00 | 6.00% | +$85.00/mo |
| Lemon Squeezy | $710.00 | $8,520.00 | 7.10% | +$195.00/mo |
| Gumroad | $1,450.00 | $17,400.00 | 14.50% | +$935.00/mo |
Stripe fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| €10.00 | €0.40 | €9.60 | 4.0% | €10.41 |
| €25.00 | €0.63 | €24.37 | 2.5% | €25.64 |
| €50.00 | €1.00 | €49.00 | 2.0% | €51.02 |
| €100.00 | €1.75 | €98.25 | 1.8% | €101.78 |
| €250.00 | €4.00 | €246.00 | 1.6% | €254.07 |
| €500.00 | €7.75 | €492.25 | 1.6% | €507.87 |
| €1,000.00 | €15.25 | €984.75 | 1.5% | €1,015.49 |
Stripe fee formula & hidden costs
payment processing 1.50% + €0.25
Worked example: €100.00 gross → €1.75 fees → €98.25 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net €100.00 charge €101.78.
Hidden fees to watch
- International cards add +1.5% in the US — a $1,000 foreign card charge costs an extra $15.
- Currency conversion adds +1% (US) or +2% (UK/EU/CA/AU) on top of the card rate.
- Stripe does not refund the processing fee on refunds — refund a $100 charge and the $3.20 fee is gone for good.
- Stripe Invoicing (+0.4%), Billing subscriptions (+0.7%) and Radar/risk tools stack on top of the headline 2.9%.
- Instant Payouts cost an extra 1% of the payout amount (minimum $0.50).
How to pay less in Stripe fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Wise Business — Multi-currency business account with mid-market FX rates.
Frequently asked questions
What is the Stripe fee on a €100 sale in European Union (€)?
On a €100.00 sale, Stripe deducts €1.75 total fees, leaving €98.25 — an effective take rate of 1.8%.
How much should I charge to receive exactly €100 after Stripe fees?
Charge €101.78: the €1.78 fee leaves exactly €100.00 net. Use the reverse tab above for any target.
What is the Stripe fee formula in European Union (€)?
payment processing 1.50% + €0.25. 1.5% + €0.25 EEA cards (UK 2.5% / intl 3.25%). All figures verified 2026-11-10 against the official pricing page.
Does Stripe refund fees when a buyer is refunded?
No — Stripe keeps the original processing fee on refunds, so a full refund on a €100.00 sale costs you about €1.75.