Stripe Fee Calculator
Quick answer
Stripe's standard US online rate is 2.9% + $0.30 per successful card charge, so a $100 payment costs $3.20 and nets you $96.80. International cards add roughly 1.5%, and currency conversion adds about 1% on top of that.
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Fee breakdown
The fixed fee dominates small transactions
At $100 the $0.30 fixed fee is a rounding error. At $3 it is 10% of the transaction on its own, pushing the effective rate above 12%. If you sell low-value items, batching charges or setting a minimum order value affects your margin far more than negotiating the percentage.
ACH is dramatically cheaper at volume
ACH Direct Debit runs at 0.8% capped at $5.00, which means any payment above roughly $625 costs a flat $5. For B2B invoices or high-ticket sales, moving customers from cards to ACH is usually the single largest fee saving available.
How Stripe bills these fees
- Stripe's standard online rate is 2.9% + $0.30 per successful card charge.
- International cards add roughly 1.5%, and currency conversion adds about 1% more.
- ACH Direct Debit is capped at $5.00 per transaction.
Rates change. Confirm againstStripe's official fee schedule before pricing.
Frequently asked questions
How much does Stripe charge per transaction?
2.9% plus $0.30 for standard online card payments in the US. In-person payments through Stripe Terminal are lower at about 2.7% + $0.05.
Does Stripe charge extra for international cards?
Yes, roughly an additional 1.5% for cards issued outside the US, plus about 1% more if currency conversion is involved.
Does Stripe refund fees on refunded payments?
No. Stripe does not return the processing fee when you refund a charge, so a refunded sale leaves you down the original fee.
Is Stripe cheaper than PayPal?
For standard US card payments, usually yes. Stripe is 2.9% + $0.30 against PayPal's 2.99% + $0.49 for goods and services, so Stripe wins mainly on the lower fixed fee. The gap narrows on very small transactions where PayPal micropayment pricing can win.