How much does Stripe take from a $1,000 payment?

On a card, Apple Pay, or Google Pay payment, $29.30: 2.9% of $1,000 is $29.00, plus the 30 cent flat fee, leaving you $970.70. By ACH bank debit the fee is 0.8% capped at $5, so on $1,000 the cap applies and you keep $995.00.

What should I charge to receive a target amount after fees?

For cards, add the 30 cents first and then divide by 0.971. To net $1,000 you would charge $1,030.19. The calculator's reverse row does this for any amount.

Is ACH always cheaper than a card?

For larger payments, yes. The ACH fee is 0.8% and never exceeds $5, which it reaches at a $625 payment. Above that, every ACH payment costs $5 flat while a card payment keeps scaling at 2.9% plus 30 cents.

Does BookNox add anything on top of Stripe's fee?

No. BookNox uses Stripe Connect direct charges, so clients pay into your own Stripe account and BookNox adds a 0% platform fee. You pay Stripe's standard processing and nothing else per booking.

Will these numbers match my Stripe statement exactly?

They match Stripe's published standard US online rates. Accounts with negotiated custom pricing, international cards, or currency conversion will see different figures, so treat the output as the standard rate case.

Free tool

What Stripe takes, and what lands.

Set a charge amount to see the standard Stripe processing fee and your payout. BookNox adds nothing on top.

Payment method

Charge amount$1,500

Standard Stripe rate: 2.9% + $0.30 per charge.

Stripe’s fee

$43.80

2.92% effective rate

You receive

$1,456.20

BookNox takes $0 of this. It’s yours.

Reverse: to net $1,500, charge…

Gross to charge$1,545.11

Stripe takes$45.11

Based on Stripe’s 2026 US-domestic published rates: 2.9% + 30¢ per card / Apple Pay / Google Pay charge; 0.8% capped at $5.00 per ACH Direct Debit charge. International cards add 1.5%; currency conversion adds 1%. BookNox uses Stripe Connect Express, so these are the rates the vendor pays directly to Stripe: no platform markup on top.

How the math works

Two rates, two directions.

Card, Apple Pay, Google Pay. Stripe’s standard US online rate is 2.9% plus 30 cents per successful charge. On $1,000 that is $29.30, so $970.70 lands in your account.
ACH bank debit. 0.8% capped at $5. The cap is reached at $625, so every larger ACH payment costs exactly $5. On $1,000 you keep $995.00.
The reverse direction. To land a target amount after card fees, the calculator adds the 30 cents and divides by 0.971. Netting $1,000 means charging $1,030.19. Deciding whether to pass that along is a pricing choice; deposit, retainer, or booking fee covers how vendors usually frame it.
Small charges hurt more. The 30 cent flat part dominates small amounts: a $10 charge costs $0.59 in fees, an effective 5.9%. Batching small balances into one charge keeps the flat fee from repeating. When you invoice, the free invoice generator makes one clean total easy.

FAQ

Common questions.

How much does Stripe take from a $1,000 payment?: On a card, Apple Pay, or Google Pay payment, $29.30: 2.9% of $1,000 is $29.00, plus the 30 cent flat fee, leaving you $970.70. By ACH bank debit the fee is 0.8% capped at $5, so on $1,000 the cap applies and you keep $995.00.
What should I charge to receive a target amount after fees?: For cards, add the 30 cents first and then divide by 0.971. To net $1,000 you would charge $1,030.19. The calculator's reverse row does this for any amount.
Is ACH always cheaper than a card?: For larger payments, yes. The ACH fee is 0.8% and never exceeds $5, which it reaches at a $625 payment. Above that, every ACH payment costs $5 flat while a card payment keeps scaling at 2.9% plus 30 cents.
Does BookNox add anything on top of Stripe's fee?: No. BookNox uses Stripe Connect direct charges, so clients pay into your own Stripe account and BookNox adds a 0% platform fee. You pay Stripe's standard processing and nothing else per booking.
Will these numbers match my Stripe statement exactly?: They match Stripe's published standard US online rates. Accounts with negotiated custom pricing, international cards, or currency conversion will see different figures, so treat the output as the standard rate case.

Rates are Stripe’s published standard US online pricing, confirmed July 2026. Custom priced accounts, international cards, and currency conversion differ; see stripe.com/pricing for your account. Curious how BookNox uses Stripe? How payments work explains the direct charge model.

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