Stripe fee calculator

Work out Stripe’s fee on a payment and the amount to charge when you need to receive a set figure.

The payment
Fee settings
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We work out what to charge so you receive it after fees.

Last updated September 28, 2026. Main US rate: 2.9% + $0.30 per card payment.

Stripe’s standard US pricing

Stripe charges per successful payment with no setup or monthly fees on its standard plan. A domestic card payment online costs 2.9% + $0.30. Card-present payments through Stripe Terminal cost 2.7% + $0.05. ACH Direct Debit costs 0.8% with a $5 cap, which makes it far cheaper for large invoices.

Add-on fees

Several situations add a percentage on top of the base card rate:

  • International cards issued outside the US: +1.5%.
  • Currency conversion when the payment currency differs from your payout currency: +1%.
  • Manually entered card numbers: +0.5%.
  • Stripe Invoicing: 0.4% per paid invoice on the Starter plan.

A payment from a UK customer, charged in pounds and paid out in dollars, can easily cost 5.4% + $0.30.

Refunds and disputes

Stripe does not return its processing fee when you refund a payment. A dispute or chargeback carries a separate $15 fee, which is returned if you win the dispute.

Large businesses can ask Stripe for custom pricing. If yours is different, change the numbers in the fee settings.

Frequently asked questions

What does Stripe charge on a $100 payment?

A US card payment of $100 costs $3.20 (2.9% plus $0.30), so you receive $96.80.

Does Stripe charge a monthly fee?

Stripe’s standard plan has no monthly fee. Some products, such as Billing, Radar for Fraud Teams and Tax, have their own charges.

Does Stripe refund fees on refunds?

No. Stripe keeps the original processing fee when you refund a payment.

Is ACH cheaper than cards on Stripe?

Yes. ACH Direct Debit costs 0.8% with a $5 maximum, so a $2,000 invoice costs $5 by ACH versus $58.30 by card.

Stripe guides

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