Stripe's fee on $10,000 of revenue depends entirely on how that $10,000 is spread across transactions — because the $0.30 fixed fee per transaction has a much larger impact on small payments than large ones.
Fee breakdown by transaction size
If your $10,000 comes from a single transaction:
| Metric | Value |
|---|---|
| Gross revenue | $10,000 |
| Stripe fee (2.9% + $0.30) | $290.30 |
| Net payout | $9,709.70 |
| Effective rate | 2.903% |
If your $10,000 comes from 100 × $100 transactions:
| Metric | Value |
|---|---|
| Gross revenue | $10,000 |
| Stripe fees (2.9% + $0.30 × 100) | $320.00 |
| Net payout | $9,680.00 |
| Effective rate | 3.20% |
If your $10,000 comes from 1,000 × $10 transactions:
| Metric | Value |
|---|---|
| Gross revenue | $10,000 |
| Stripe fees (2.9% + $0.30 × 1,000) | $590.00 |
| Net payout | $9,410.00 |
| Effective rate | 5.90% |
Key insight: the $0.30 fixed fee is regressive
On a $10 transaction, $0.30 is 3% on its own — meaning Stripe's effective rate is 5.9% before the percentage component. On a $1,000 transaction, $0.30 is only 0.03%.
If your average order value is low (under $20), consider: - Bundling purchases (e.g., credit top-ups rather than per-unit purchases) - Using Stripe's Link feature, which can reduce card-not-present fee rates for returning customers - Evaluating Paddle or Lemon Squeezy, whose all-in rates may work out cheaper for micro-transaction models
Use the calculator above to enter your actual typical transaction amount and see the exact fee and net payout.