Calculate Your Savings
Adjust the sliders to match your invoicing volume and see how much you could save per year by replacing Stripe Invoicing with Stripdo.
Based on Stripe's invoicing fee: 0.4% per invoice sent (max $2). Excludes standard processing fees.
You're overpaying $921/yr on invoices
Stripdo replaces Stripe Invoicing for a flat $39/yr — saving you $921 every year.
No code, no per-invoice fees. Set up in under a minute.
Stripe Invoicing Fee Breakdown
Stripe charges a 0.4% fee on every invoice sent through its built-in invoicing feature, capped at $2.00 per invoice. This fee is separate from Stripe's standard payment processing fee (2.9% + 30¢ for US cards).
At $500+ per invoice, the 0.4% fee hits the $2 cap — but even at the cap, sending 100 invoices per month still costs you $2,400 per year in invoicing fees alone. For lower invoice amounts, the percentage-based fee means you're paying proportionally more of your revenue.
Understanding All Stripe Fees
Stripe's pricing has multiple layers. Here's a breakdown of each fee type and when it applies:
Payment processing (2.9% + $0.30): Charged on every card transaction. This is Stripe's core fee and applies regardless of how you collect payment. It's unavoidable if you use Stripe.
Invoicing fee (0.4%): Only applies when you send invoices through Stripe Invoicing. Capped at $2 per invoice. This is the fee Stripdo eliminates entirely.
International cards (+1.5%): Additional fee for payments from cards issued outside your country. Applies on top of the standard processing fee.
Currency conversion (+1%): Applied when the payment currency differs from your settlement currency. Combines with international card fees for cross-border transactions.
Dispute fee ($15): Charged when a customer files a chargeback. Refunded if you win the dispute. Can add up quickly for businesses with high dispute rates.
💡 Key insight: The invoicing fee is often overlooked because it's small per transaction. But at scale, it compounds into a significant cost — one that can be entirely eliminated by using a third-party invoicing tool like Stripdo.
Stripe Invoicing vs Stripdo
A side-by-side comparison of Stripe's built-in invoicing and Stripdo across pricing, features, and flexibility.
What Is Stripdo?
Stripdo generates invoices directly from your Stripe payments and emails them to your customers automatically. You get the same professional invoices your customers expect — without paying Stripe's 0.4% invoicing fee.
Setup takes less than a minute. Connect your Stripe account, configure your invoice template, and Stripdo handles the rest. No code required. Stripdo listens for successful payments via the Stripe API, generates a PDF invoice with your branding, and emails it to the customer on the spot.
Stripdo is not a replacement for Stripe — it works alongside it. You keep Stripe as your payment processor and only replace the invoicing layer. Your customers see no difference. Your bottom line does.
How to Reduce Stripe Invoice Fees
The simplest way to reduce your Stripe invoicing costs is to stop using Stripe's built-in invoicing feature. You don't need it. Stripe's core value is payment processing — the invoicing layer is an add-on that comes with a per-invoice fee you can avoid entirely.
By using a third-party invoicing tool like Stripdo, you keep Stripe as your payment processor but generate and send invoices independently. The result: identical invoices, automatic delivery, and zero per-invoice fees.
Here's what the switch looks like in practice:
- Connect your Stripe account — One-click OAuth connection, no API keys to copy
- Configure your invoice template — Add your logo, business details, and tax info
- Disable Stripe Invoicing — Turn off the built-in invoicing in your Stripe dashboard
- Invoices go out automatically — Stripdo detects every payment and emails the invoice
💡 Pro tip: You can also use Stripdo to retroactively generate invoices for past payments — something Stripe Invoicing doesn't support. This is useful if you need to send invoices for transactions that were processed before you set up invoicing.
Who Should Use This Calculator?
This calculator is for any business currently using Stripe Invoicing or considering it. Whether you're a SaaS company billing monthly subscriptions, a freelancer invoicing clients, an agency billing retainers, or an e-commerce store sending order confirmations — if you're using Stripe, you should know exactly what invoicing is costing you.
The more invoices you send, the more you stand to save. Businesses sending over 50 invoices per month typically save hundreds of dollars per year. High-volume businesses sending 500+ invoices per month can save thousands — all by switching from a per-invoice fee to a flat annual rate.
Ready to stop overpaying?
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Stripe Invoice Fee Calculator FAQ
What is the Stripe invoicing fee?
Stripe charges an additional 0.4% fee on every invoice sent through their built-in Invoicing product. This is on top of the standard 2.9% + $0.30 payment processing fee. The invoicing fee is capped at $2 per invoice.
How much can I save by switching from Stripe Invoicing?
It depends on your volume. A business sending 100 invoices per month at $200 average saves around $921 per year by switching to Stripdo. Use the calculator above to estimate your specific savings.
What is Stripdo?
Stripdo is a tool that generates invoices from your Stripe payments and emails them directly to your customers. You get the same professional invoices without the 0.4% per-invoice fee that Stripe charges. Plans start at $39/year.
Does Stripdo replace Stripe?
No. Stripdo works alongside Stripe. You continue using Stripe for payment processing. Stripdo only replaces Stripe's invoicing feature, saving you the 0.4% invoicing fee on every transaction.
How does the Stripe invoice fee calculator work?
The calculator estimates your annual Stripe invoicing costs based on two inputs: your number of invoices per month and your average invoice amount. It applies Stripe's 0.4% invoicing fee (capped at $2 per invoice) and compares it to Stripdo's flat annual pricing.
Is the 0.4% Stripe invoicing fee the same as the processing fee?
No. The 0.4% invoicing fee is separate from Stripe's standard payment processing fee (2.9% + $0.30). The invoicing fee only applies when you use Stripe Invoicing to send invoices to customers. If you use an alternative invoicing tool like Stripdo, you avoid this fee entirely.
How long does it take to set up Stripdo?
Less than a minute. Connect your Stripe account, configure your invoice template, and Stripdo handles the rest automatically. No coding required.
Can I try Stripdo before committing?
Stripdo offers flat yearly pricing starting at $39/year with no per-invoice fees. There's no usage limit, so you can send as many invoices as you need from day one.
Ready to stop overpaying?
Set up in under a minute. No code, no per-invoice fees.