Stripe fee calculator (US)

How much does Stripe charge per transaction?

On Stripe's standard US pricing, an online payment with a domestic card costs 2.9% + 30¢. Manually entered cards add 0.5%, international cards add 1.5% and currency conversion adds 1%. In person on Stripe Terminal it is 2.7% + 5¢, and ACH Direct Debit is 0.8%, $5.00 cap. There is no monthly fee. On a $100 online card payment the fee is $3.20; to receive $100 you would charge $103.30.

How the customer pays

International card (+1.5%)Currency conversion needed (+1%)Paid through a Stripe invoice (Starter, +0.4%)

Payment amount ($)Amount you want to receive ($)

Stripe fee	$3.20
You receive	$96.80
Fee as % of the payment	3.20%
Charge this to receive $100.00	$103.30

Stripe standard US pricing, payment in US dollars. Excludes disputes, Instant Payouts, Radar, Tax, Billing subscriptions, hardware and custom (volume) pricing. Check whether passing fees to customers is allowed where you sell before adding a surcharge.

Last verified October 23, 2026 against Stripe: Pricing & fees (United States). Fee change tracker · How we verify

Stripe US standard rates

How you get paid	Rate
Online card or wallet, domestic card	2.9% + 30¢
Card entered manually	+0.5% on top
International card	+1.5% on top
Currency conversion required	+1% on top
In person (Stripe Terminal), domestic card	2.7% + 5¢
Tap to Pay on iPhone or Android	Terminal rate + $0.10 per authorization
ACH Direct Debit	0.8%, $5.00 cap
Klarna (buy now, pay later)	5.99% + 30¢
Stripe Invoicing (Starter)	0.4% per paid invoice, on top of the payment fee
Dispute (chargeback) received	$15.00 each
Instant Payouts (optional)	1.5% (50¢ minimum); standard payouts are free

Worked examples

$100 online, domestic card: 2.9% of $100 is $2.90, plus 30¢, so the fee is $3.20 and you keep $96.80.
$100 online, international card that needs currency conversion: 2.9% + 1.5% + 1% = 5.4%, plus 30¢, so the fee is $5.70.
Large invoice paid by ACH: the 0.8% fee reaches its $5 cap at $625, so a $2,000 payment costs $5.00, compared with $58.30 by online card.

Things that catch people out

Refunds keep the fee. Stripe's pricing FAQ says the processing and currency conversion fees from the original payment are not returned when you refund.
Disputes cost money even when the amount is small. Each dispute you receive costs $15.00, and responding manually costs another $15, which Stripe returns only if you win.
Invoices add a separate fee. A Stripe invoice adds 0.4% per paid invoice on the Starter plan, on top of the card or bank fee.
Custom pricing is different. These are standard rates. Businesses with large volume can ask Stripe for a custom package, and their rates will differ.

Recording Stripe fees

Record each sale at the full amount the customer paid and the Stripe fee as a separate expense. Stripe pays out the net amount, so a payout will not match your sales total. Match each payout to the payments and fees in it. If you sell through more than one platform, record fees separately for each one so you can see what each platform costs.

Questions

Does Stripe charge a monthly fee?

Not on standard pricing. Stripe's pricing page says it does not charge setup fees, monthly fees or closure fees; you pay per successful transaction. Optional products such as Billing, Tax or a custom domain have their own charges.

Is Stripe cheaper than PayPal or Square?

It depends on how you get paid. For an online domestic card, Stripe is 2.9% + 30¢. Compare the same payment in our PayPal and Square calculators, which use each company's current published rates.

What is Stripe's fee for international cards?

Stripe adds 1.5% for international cards, plus 1% if currency conversion is required, on top of 2.9% + 30¢.

How do I calculate what to charge to cover Stripe fees?

Add the fixed fee to the amount you want, then divide by 1 minus the rate. For an online domestic card: (amount + $0.30) ÷ 0.971. Check local rules before adding a surcharge.

Do Stripe payments show up on a Form 1099-K?

Stripe is a payment processor, so card payments it processes for you may be reported on Form 1099-K. See our 1099-K threshold checker, and ask a tax professional how to report your income.

General information, not tax, legal or accounting advice. Rates change: check the linked official source before you rely on a number. Not yet reviewed by a CPA or EA.