Free tool · Sellers & food
Stripe fee calculator
Stripe's standard US price for online card payments is 2.9% + 30¢. Manually entered cards add 0.5%, international cards add 1.5%, and 1% more applies if currency conversion is needed. Enter a charge to see Stripe's cut and your payout, or reverse it to price for an exact net.
You receive
$96.80
Stripe keeps $3.20 of $100.00.
- Percentage fee
- 2.90% → $2.90
- Fixed fee
- $0.30
- Total fee
- $3.20
- Effective rate
- 3.20%
Stripe US standard pricing, checked 2026-10. Some payment methods and negotiated plans are priced differently.
Stripe US standard pricing (checked Oct 2026)
- Rate = 2.9% + 0.5% (manual entry) + 1.5% (international card) + 1% (currency conversion)
- Fee = Amount × Rate + $0.30
- Net = Amount − Fee
- Amount to charge = (Target net + $0.30) ÷ (1 − Rate)
Worked example: a SaaS subscription and a one-off sale
A $29/month software plan paid with a US card costs $0.84 + $0.30 = $1.14, so Stripe keeps 3.9% of that small charge. A $500 coaching package costs $14.50 + $0.30 = $14.80, about 3%.
The fixed 30¢ is why low-priced products feel Stripe's fees most. If a customer in the UK pays the $500 package with a GBP card that must be converted, the rate becomes 2.9% + 1.5% + 1% = 5.4%, or $27.30 in fees.
Surcharges that catch people out
- Manual entry (+0.5%) — typing a card number into the Dashboard yourself, for example for a phone order.
- International cards (+1.5%) — charged on cards Stripe classes as international for your account.
- Currency conversion (+1%) — when the charge currency differs from your payout currency.
- Disputes — a chargeback carries its own fee, separate from processing.
Stripe does not return the original processing fee when you refund a card payment, so refunds cost you the fee you already paid.
Reverse mode
To receive $500 after fees on a domestic card: (500 + 0.30) ÷ (1 − 0.029) = $515.25. Use it to set a price floor for services quoted in exact numbers, or to compare against the PayPal and Square calculators before you pick a processor.
Frequently asked questions
How much does Stripe charge per transaction?
For US businesses on standard pricing, 2.9% + 30¢ per successful online card payment with a domestic card. Extra percentages apply for manually entered cards, international cards and currency conversion.
What is Stripe's fee on $100?
$3.20 on a domestic card (2.9% of $100 plus 30¢), leaving $96.80.
Does Stripe charge monthly fees?
Not on standard payments pricing — Stripe says it has no setup, monthly or closure fees. Optional products such as Billing, Tax or Radar for Fraud Teams are priced separately.
Is Stripe cheaper than PayPal?
For domestic card payments, Stripe's 2.9% + 30¢ is lower than PayPal Checkout's 3.49% + 49¢. Customers who prefer to pay with a PayPal balance may still convert better through PayPal, so many stores offer both.