Stripe Fee Calculator

Calculate Stripe fees for online payments, in-person transactions, international cards, and currency conversion. Get instant estimates for all Stripe payment types.

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Stripe: Online Payment

2.9% + $0.30

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Stripe's surcharges stack. An international card that also needs currency conversion is 2.9% + 1.5% + 1% = 5.4% + $0.30, and manual entry adds 0.5% on top of any of these.

Stripe is the payment processor developers reached for first, on the strength of a clean API, thorough documentation and defaults that work without much setup. From small startups to Amazon and Shopify, millions of businesses run their payments through it. The standard rate is 2.9% + $0.30 for online transactions, which sits mid-market rather than at either end.

The fees are only part of what you are paying for. There are no monthly charges and no setup fees, fraud protection is built in, and payouts land in 2 days, or instantly for a small fee. This calculator breaks down what you can expect to pay for each transaction type: online payments, in-person with Stripe Terminal, international cards, or currency conversion. Plug in your numbers and see what you'll actually net.

Want the full breakdown before you commit? Read how Stripe fees work: the base rate plus ACH, international, instant payouts and disputes, and how to lower your effective rate.

Stripe Fees at a Glance (2026)

Online card payment	2.9% + $0.30
In-person (Stripe Terminal)	2.7% + $0.05
International card	+1.5% (total 4.4% + $0.30)
Currency conversion	+1% (total 3.9% + $0.30)
Manually entered card	3.4% + $0.30
ACH Direct Debit	0.8% (max $5.00)
Instant payout	1.5% (min $0.50)
Standard payout	Free (~2 business days)
Dispute / chargeback	$15.00 per dispute (kept win or lose), plus $15.00 to counter it (refunded if you win)
Subscriptions (Stripe Billing)	+0.7% of Billing volume
Monthly / setup fee	$0

US standard pricing. International (+1.5%) and currency conversion (+1%) stack on top of the base rate: a European card paid in euros can total 5.4% + $0.30. The UK, Australia and other countries have different domestic rates. Verify current pricing at stripe.com/pricing.

How Stripe Fees Are Calculated

Stripe uses different pricing models depending on the payment type. Understanding these variations helps you optimize costs and choose the right payment method for your business. If you offer Klarna through Stripe, our Klarna fee calculator works out what it costs.

Stripe Fee Types:

Online Payments: 2.9% + $0.30
Credit cards, debit cards, Apple Pay, Google Pay
In-Person Payments: 2.7% + $0.05
Card-present transactions with Stripe Terminal or card reader
International Cards: 4.4% + $0.30
Additional 1.5% for cards issued outside your country
Currency Conversion: 3.9% + $0.30
Additional 1% when converting currencies
Manual Entry: 3.4% + $0.30
Additional 0.5% for keyed-in (card-not-present) transactions
No Monthly Fees: Pay only when you process transactions

Enterprise customers processing high volumes can often negotiate custom pricing with lower rates. The calculator above reflects standard pricing for each payment type.

Using the Stripe Fee Calculator

Pick the payment type that matches the sale: an online card, a tap in person, a card issued abroad, a payment that needs converting, or a card number keyed in by hand. Each has its own rate, and the result shows the fee, the share of the sale it takes and what lands in your Stripe balance.

The share is the figure to watch on cheap products. Stripe's fixed $0.30 weighs far more on a $5 sale than on a $500 one, so a shop selling low-priced items loses a bigger slice of each order than its headline rate suggests.

Comparing Stripe with Other Options

Stripe is known for its developer-friendly API, and its standard 2.9% + $0.30 online rate is one flat price for every business that signs up. PayPal and Square set theirs differently, PayPal by type of checkout and Square by plan, so the comparison only means something on your own mix of sales.

Key Comparison Factors:

• Fee Structure: Fixed vs. tiered pricing
• Monthly Fees: Some require monthly minimums
• International Support: Global payment capabilities

• Integration Complexity: API ease of use
• Settlement Speed: How quickly you receive funds
• Customer Support: Available help and resources

Price your typical order rather than a round $100: a rate that looks lower at one ticket size can cost more at another. To set another processor's quote against Stripe's, enter that rate in our credit card processing fee calculator.

Tips to Save on Stripe Fees

Volume-Based Savings:

• Process higher volumes to qualify for custom pricing
• Consider Stripe's volume discounts for enterprise plans
• Bundle transactions when possible to reduce fixed fees

Operational Efficiency:

• Optimize checkout flow to reduce failed transactions
• Use Stripe's fraud prevention tools to minimize chargebacks
• Offer ACH Direct Debit on large invoices

The single biggest lever is usually the payment method. ACH Direct Debit costs 0.8% (max $5.00), so a $2,000 invoice paid that way costs $5.00 against $58.30 on a card.

Stripe Pros and Cons: Is It Right for Your Business?

Advantages

✓Developer-Friendly: Best-in-class API documentation and extensive SDKs make integration straightforward for technical teams
✓No Monthly Fees: Pay only for what you process, which suits startups and seasonal businesses
✓Global Reach: Accept 135+ currencies and payments from customers in 195+ countries
✓Advanced Features: Built-in fraud detection, subscription billing, and payment methods like Apple Pay, Google Pay
✓Fast Payouts: 2-day standard payout to your bank account (instant available for fee)

✗Disadvantages

✗Not the Cheapest: At 2.9% + $0.30, interchange-plus merchant accounts beat Stripe at volume, and Square's 2.6% + $0.15 undercuts Stripe's 2.7% + $0.05 on in-person sales above $100
✗Account Holds: Stripe can freeze accounts or hold funds during fraud investigations without warning
✗Limited Phone Support: Email and chat support available, but no 24/7 phone support for standard accounts
✗Chargeback Fees: $15.00 per dispute even if you win it, and another $15.00 to counter it (returned only if you win)
✗Technical Setup: Requires developer knowledge for custom implementations

Real-World Stripe Use Cases: Who Uses Stripe?

Over 100 million businesses worldwide use Stripe to process billions in payments annually. From solo entrepreneurs to Fortune 500 companies, Stripe powers diverse business models across every industry.

SaaS & Subscription Businesses

Companies like Slack, Shopify, and Zoom rely on Stripe's recurring billing engine. The platform handles automatic renewals, proration, upgrades/downgrades, and failed payment recovery, which is what subscription revenue depends on.

E-Commerce Stores

Online retailers use Stripe Checkout for one-click purchases. The hosted payment page is PCI-compliant out of the box, supports 15+ payment methods, and optimizes conversion with intelligent routing and retry logic.

Marketplaces & Platforms

Platforms like Lyft and DoorDash use Stripe Connect to route payments between buyers and sellers. The multi-party payment splitting handles complex fee structures, international payouts, and tax reporting automatically.

Crowdfunding & Donations

Kickstarter and GoFundMe leverage Stripe conditional charges. Funds are authorized but only captured when campaigns succeed. The API supports one-time donations, recurring giving, and custom campaign structures.

Who Should Use Stripe? (And Who Shouldn't)

Stripe is Perfect For:

• Tech-savvy businesses with development resources
• SaaS companies needing subscription management
• International sellers accepting multi-currency payments
• Marketplaces requiring split payments

• Mobile apps using in-app purchases
• Digital products like courses, ebooks, software
• High-growth startups scaling rapidly
• Businesses processing $10K+ monthly

Consider Alternatives If You:

• Process mostly in-person transactions → Square offers better POS hardware, and its card-present rate is lower on sales above $100
• Need immediate phone support → PayPal or traditional merchant accounts provide 24/7 phone lines
• Sell high-risk products (CBD, adult content) → Stripe has strict prohibited business policies
• Process under $1,000/month → Square or PayPal flat rates might be simpler
• Want the absolute lowest fees → Traditional merchant accounts beat Stripe for high-volume businesses

Frequently Asked Questions

How much does Stripe charge per transaction?

Stripe charges 2.9% + $0.30 for online payments and 2.7% + $0.05 for in-person transactions. International cards add 1.5% (total 4.4% + $0.30), and currency conversion adds 1% (total 3.9% + $0.30). There are no monthly fees or setup costs.

Are there any monthly fees with Stripe?

No, Stripe doesn't charge monthly fees or setup fees. You only pay when you process transactions, making it ideal for businesses of all sizes, from startups to large enterprises.

Does Stripe charge for failed transactions?

No, Stripe only charges fees for successful transactions. Failed or declined transactions don't incur any fees from Stripe, though your bank might charge for declined attempts.

Can I negotiate Stripe fees for high volume?

Yes. Stripe offers custom pricing for businesses with large payment volume or unusual business models; contact its sales team to discuss volume discounts and enterprise rates.

What's the difference between online and in-person Stripe fees?

In-person transactions (2.7% + $0.05) are slightly cheaper than online payments (2.9% + $0.30) because card-present transactions have lower fraud risk. In-person payments require Stripe Terminal or a compatible card reader.

How much does Stripe charge for international payments?

Stripe charges an additional 1.5% for international cards (total 4.4% + $0.30) and 1% for currency conversion (total 3.9% + $0.30). International card fees apply when the customer's card is issued in a different country than your business.

How much is the Stripe fee for $100?

On a $100 online payment, Stripe's standard fee is 2.9% + $0.30 = $3.20, so you net $96.80. In person it would be 2.7% + $0.05 = $2.75 (you net $97.25). If the customer uses an international card add 1.5% ($1.50 more) and, if a currency conversion is needed, another 1% ($1.00 more). Use the calculator above to check any amount and payment type.

Do you have to pay to use Stripe?

Opening and using a Stripe account is free - there is no monthly fee, no setup fee and no minimum. You only pay a per-transaction fee when you actually get paid: 2.9% + $0.30 for a standard online card payment. Optional extras like instant payouts (1.5%) cost more, but the core service is pay-as-you-go with no fixed cost.

What are Stripe's ACH and payout fees?

ACH Direct Debit costs 0.8% per payment, capped at $5.00, which is much cheaper than cards for large amounts. Standard payouts to your bank are free and arrive in about 2 business days; Instant Payouts cost 1.5% (minimum $0.50). A disputed charge (chargeback) costs $15.00, which you pay even if you win; responding to it costs another $15.00, refunded only if you win.

Does Stripe charge extra for subscriptions?

Recurring payments are charged the same 2.9% + $0.30 card fee. If you use Stripe Billing to manage subscriptions it adds 0.7% of Billing volume on the pay-as-you-go plan, in exchange for invoicing, retries and subscription tooling. You can take recurring card payments without Billing and avoid that charge.

Last Updated: Fees checked October 2026 against stripe.com/pricing | Stripe US: 2.9% + $0.30 online, 2.7% + $0.05 in person, +1.5% international cards, +1% currency conversion, ACH 0.8% (max $5.00), instant payout 1.5%, dispute $15.00. No monthly fee. How we check figures