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Stripe Fee
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⚠️ Disclaimer: Based on Stripe's published US pricing (stripe.com/pricing). Rates may vary for custom/volume pricing, nonprofit accounts, or non-US businesses. Always verify current rates in your Stripe dashboard.
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Sources & Methodology
Rates verified against Stripe's official pricing page for US accounts, April 2026.
Stripe — Official Pricing Page
stripe.com/pricing — US online card 2.9% + $0.30, international +1.5%, Terminal 2.7% + $0.05, manual entry 3.4% + $0.30, ACH 0.8% capped $5.
Forward: Fee = Amount × rate + fixed fee. Net = Amount − Fee.
Reverse: Gross = (Net + fixed fee) / (1 − rate). Applies to card types. ACH reverse: Net / (1 − 0.008) capped at Gross + $5.
Effective rate: Total fee / Amount × 100%.
Reverse: Gross = (Net + fixed fee) / (1 − rate). Applies to card types. ACH reverse: Net / (1 − 0.008) capped at Gross + $5.
Effective rate: Total fee / Amount × 100%.
Last reviewed: April 2026
How Stripe Fees Work
Stripe charges a percentage of every transaction plus a fixed flat fee. The percentage covers card network interchange costs and Stripe's margin; the flat fee covers per-transaction overhead. Understanding both components is essential for pricing your products correctly.
Stripe Fee Formula (US, 2026)
Fee = Amount × 2.9% + $0.30 | Net = Amount − Fee
Forward examples:
$25 charge: fee = $0.725 + $0.30 = $1.03, you receive $23.97 (effective rate 4.1%)
$100 charge: fee = $2.90 + $0.30 = $3.20, you receive $96.80 (effective rate 3.2%)
$500 charge: fee = $14.50 + $0.30 = $14.80, you receive $485.20 (effective rate 2.96%)
$25 charge: fee = $0.725 + $0.30 = $1.03, you receive $23.97 (effective rate 4.1%)
$100 charge: fee = $2.90 + $0.30 = $3.20, you receive $96.80 (effective rate 3.2%)
$500 charge: fee = $14.50 + $0.30 = $14.80, you receive $485.20 (effective rate 2.96%)
Stripe Fee Comparison by Payment Type
| Payment Type | Rate | Fixed Fee | Fee on $100 | You Receive |
|---|---|---|---|---|
| Online (domestic US) | 2.9% | $0.30 | $3.20 | $96.80 |
| Online (international) | 4.4% | $0.30 | $4.70 | $95.30 |
| In-person Terminal | 2.7% | $0.05 | $2.75 | $97.25 |
| Manually entered card | 3.4% | $0.30 | $3.70 | $96.30 |
| ACH Direct Debit | 0.8% | cap $5 | $0.80 | $99.20 |
The Reverse Calculator: Charging the Right Amount
If you want to receive exactly $100 after Stripe takes its cut, you cannot simply charge $103.20 ($100 + $3.20). That math is wrong because Stripe also takes 2.9% of the extra $3.20. The correct formula: Gross = ($100 + $0.30) / (1 − 0.029) = $103.30. The reverse calculator above handles this automatically for all payment types.
💡 Pro Tip: For B2B invoices over $625, ACH Direct Debit costs a flat $5 cap versus $18.50+ for card. Offering ACH as a payment option on large invoices significantly reduces your processing costs. Stripe makes it easy to enable ACH alongside card payments on the same payment link.
Frequently Asked Questions
For US online card payments, Stripe charges 2.9% + $0.30 per successful transaction. For international cards (issued outside the US), an additional 1.5% applies, totaling 4.4% + $0.30. In-person Stripe Terminal charges 2.7% + $0.05.
Stripe fee = $100 x 2.9% + $0.30 = $2.90 + $0.30 = $3.20. You receive $96.80. For an international card: $100 x 4.4% + $0.30 = $4.70. You receive $95.30.
Use the gross-up formula: Gross = (Net + $0.30) / (1 - 0.029). To receive exactly $100 after fees: ($100 + $0.30) / 0.971 = $103.30. This ensures Stripe takes its 2.9% + $0.30 and you receive your target net amount.
The effective rate depends on transaction size. On $5: (5 x 2.9% + $0.30) / $5 = 8.9%. On $50: ($1.45 + $0.30) / $50 = 3.5%. On $500: ($14.50 + $0.30) / $500 = 2.96%. The fixed $0.30 dominates at low transaction amounts.
When you refund a transaction, Stripe does not return the original processing fees. You lose both the 2.9% and the $0.30 from the original charge. For chargebacks (disputes), Stripe also charges a $15 dispute fee.
Stripe ACH Direct Debit charges 0.8% per transaction with a cap of $5.00. This makes ACH cost-effective for large transactions: a $2,000 payment costs only $5 (0.25% effective rate) rather than $58.30 with card processing.
No. Stripe's standard plan has no monthly fees, setup fees, or minimum transaction volumes. You pay only per successful transaction. Optional paid add-ons include Stripe Billing (0.7%), Stripe Tax ($0.50/transaction), and Stripe Radar fraud tools.
Strategies include: encouraging ACH payments for large B2B transactions, setting minimum order values to dilute the fixed $0.30 fee impact, targeting domestic customers to avoid the 1.5% international surcharge, and negotiating custom pricing once you exceed $80,000-$100,000 in monthly volume.
Manually keyed card transactions (card not present at a physical terminal) cost 3.4% + $0.30 — 0.5% more than standard online processing — to reflect higher fraud risk.
Yes, you can add a surcharge to cover processing fees, but laws vary by state. Some states restrict credit card surcharges. Stripe also offers a 'customer pays fees' option in their Invoicing product. Alternatively, offering ACH or bank transfer as a free option while adding a card processing fee is a common approach.
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