dhruv_api

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[shrewd frost]

hi there!

we strongly recommend not doing this, since it is difficult to do and illegal in some countries. the recommended approach is to simply increase all your price by x% to cover for the Stripe fees. but to answer your questions:

Is there an API to calculate the exact Stripe fee before creating a PaymentIntent?
no there isn't

How can we accurately account for domestic vs international cards and FX fees before charging?
you can know the exact Stripe fee only after the payment was made, so it's something that you would need to compute on your end. and as you said there are many variables which makes this tricky.

What is the recommended approach for Connect platforms to recover Stripe fees from customers without mismatches?
it's possible for your platform to get an application fee that exactly match the Stripe fee (which is a bit different that what you asked, but still sharing it in case its useful):

1. place a hold on the card for the amount you want to charge the customer (example: $10)
2. using the Stripe API, you can now see the Stripe fee that was paid (example: $1)
3. now when you capture the funds ($10), add application_fee: 100, which means the customer wil be charges $10, and your platform will receive $1

[dry cliff]

Thanks for the suggestion.

One concern we have with increasing all prices by a fixed x% is that Stripe fees are not always consistent. The fee varies depending on factors like:

1. Domestic vs international cards
2. Currency conversion
   ..

Because of this variability, adding a flat x% could sometimes result in over-recovery (charging customers more than actual cost) and sometimes under-recovery (platform still absorbing part of the fee).

Is there a recommended approach for handling this variability while keeping pricing predictable?

[shrewd frost]

you have two options:

• use a higher percentage, so that you are sure you recover the fee on each transactions
• or use a percentage that will be either too high or too low on each transaction, but on average it roughly matches the Stripe fee

[dry cliff]

When you say it may be illegal in some countries, could you please clarify what that refers to? Is there any Stripe documentation that explains this in more detail?

Also, even if there is no API to calculate the exact fee in advance, is there documentation explaining what factors affect the final Stripe fee (e.g., international cards, cross-border, FX)?

We just want to better understand the rules and fee structure before adjusting our pricing model.

[shrewd frost]

When you say it may be illegal in some countries, could you please clarify what that refers to? Is there any Stripe documentation that explains this in more detail?
no sorry, we don't provide guidance on this.
Also, even if there is no API to calculate the exact fee in advance, is there documentation explaining what factors affect the final Stripe fee (e.g., international cards, cross-border, FX)?
yes: https://stripe.com/pricing