Card fee plus the Billing add-on — your true effective rate on a subscription charge.
Stripe Billing adds ~0.7% on top of card processing, and Tax, fraud and disputes push the real rate higher still. See the base math on the payment fee calculator and the annual-billing saving on the annual vs monthly fee calculator.
Free Stripe Billing fee calculator — charge amount, card rate and the recurring add-on to your net payout and true effective %.
Standard card processing (about 2.9% + 30¢) plus a recurring add-on of roughly 0.7% for subscriptions managed through Stripe Billing. So the effective rate on a subscription is closer to 3.6% + 30¢ before any other add-ons.
Because 2.9% + 30¢ is just base card processing. SaaS companies stack the Billing add-on, Stripe Tax, Radar fraud tooling and dispute fees on top, which for many recurring-revenue businesses pushes the true all-in cost to 4.5–6.5% of revenue.