Free Stripe Refund Fee Calculator (Europe & International)
The Stripe Refund Fee Calculator helps you quickly estimate how much money you lose when issuing customer refunds through Stripe.
Stripe does not return its processing fees on refunds this means that every refund costs you part of the original transaction fee.
This tool makes it easy to see exactly how much of your payout you lose per refund, across European and international payment methods, including credit cards, wallets, and bank payments.
Simply enter your transaction amount, select the payment method, and instantly see:
The original Stripe processing fee
The amount refunded to the customer
The total loss per refund (non-refundable portion of the fee)
Why Use a Stripe Refund Fee Calculator?
When you refund customers via Stripe, the processing fee isn’t reimbursed, even if the full amount is returned to the customer.
For high-volume merchants, this can quickly add up and impact profit margins.
Using this calculator, you can:
- – Instantly calculate refund losses per transaction
- – Compare refund costs between EU, non-EU, and alternative payment methods
– Add 2% currency conversion to simulate cross-border refunds
- – Plan refund policies and budgets more accurately
- – Educate staff and customers on refund cost transparency
Stripe Refund Fee Calculator
Stripe Refund Fee Calculator
Calculate how much you lose when issuing a refund through Stripe. Includes EU and international methods.
Supported Payment Methods
This calculator includes:
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Credit and Debit Cards (EU and non-EU)
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Digital Wallets: Alipay, MobilePay, PayPal, Revolut Pay, WeChat, Amazon Pay, Satispay
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Bank Payments: Bancontact, iDEAL, SEPA, BLIK, EPS, Swish, TWINT
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Buy Now, Pay Later: Klarna, Alma, Billie
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Cash and Local Payments: Multibanco, MB WAY
It’s an all-in-one overview of Stripe’s most common European payment fees.
Optimize Your Stripe Pricing Strategy
By knowing your net payout ahead of time, you can:
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Set more accurate prices
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Avoid undercharging customers
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Improve financial forecasting
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Save time on manual fee calculations
Perfect for freelancers, startups, eCommerce stores, and SaaS platforms operating in or selling to the European market.
Stripe Refund Fees in Europe (2026)
| Payment Method | Standard Stripe Fee | Refund Loss Example (€100 refund) | Notes |
|---|---|---|---|
| EU Cards | 1.4% + €0.25 | €1.65 | Most common in EU |
| Non-EU / International Cards | 2.9% + €0.25 | €3.15 | Higher cross-border rate |
| Alipay | 2.9% + €0.25 | €3.15 | Wallet payment |
| MobilePay | 1.5% + €0.36 | €1.86 | Popular in Nordics |
| Revolut Pay | 1.5% + €0.25 | €1.75 | Instant digital wallet |
| WeChat Pay | 2.9% + €0.25 | €3.15 | Cross-border wallet |
| Bancontact | 1.4% + €0.25 | €1.65 | Belgium bank method |
| iDEAL | €0.29 flat | €0.29 | Netherlands bank method |
| SEPA Direct Debit | €0.35 flat | €0.35 | EU-wide direct debit |
| PayPal (via Stripe) | 0.2% + €0.10 + PayPal fee | Varies | External fee applies |
💡 Tip: Stripe also keeps the 2% currency conversion fee if the payment involved FX exchange — the calculator automatically includes this when selected.
How Stripe Refund Fees Work
When you issue a refund:
- 1. Stripe sends the refund to the customer.
2. The original processing fee is not returned to you.
3. You also cover any currency conversion costs on the refund if FX was applied.
That means even if you refund €100, you may lose €1.50–€3.50 per transaction depending on the payment method.
This calculator shows your exact refund cost in real time, so you can decide whether to issue full or partial refunds and understand the financial impact.
Who Is This Tool For?
- – eCommerce stores managing returns or disputes
- – SaaS businesses handling subscription cancellations
- – Freelancers & digital agencies refunding deposits
- – Finance and accounting teams tracking transaction losses
It’s especially useful for Stripe users in the EU and UK who process multiple currencies and payment methods.
Frequently Asked Questions (FAQ)
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Does Stripe charge a fee for refunds?
Yes. Stripe keeps the original processing fee when you issue a refund. You pay no extra fee, but the initial fee is non-refundable.
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Does Stripe refund the transaction fee if I refund a customer?
No. Stripe does not refund its standard processing fees, nor any currency conversion or dispute fees.
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How do I calculate my refund loss?
Enter your transaction amount in the calculator and select the payment method. The tool will automatically show how much you lose when refunding.
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Are refund fees different for EU vs. international cards?
Yes. EU cards are cheaper (1.4% + €0.25) than non-EU or international cards (2.9% + €0.25), meaning your refund loss is smaller for EU transactions.
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Do currency conversions affect refund costs?
Yes, f you refunded in a different currency, Stripe keeps both the original fee and the 2% FX conversion charge.
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Is this tool affiliated with Stripe?
No. It’s an independent refund fee calculator created to help merchants estimate their real Stripe costs.
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Can I use this for accounting or finance planning?
Absolutely. Many merchants use it to model refund policies and profit
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