Stripe's headline rate is simple, 2.9% + 30¢ per successful card payment, but the fee you actually pay changes with the card's country, whether the money has to be converted, how the card was entered and which Stripe products you use on top. This calculator adds those pieces up, shows what lands in your balance, compares every payment method for the same amount, and works backwards to the price you need to charge.
Rates are Stripe's standard US pricing as of October 2026, from stripe.com/pricing. The calculator runs in your browser; nothing you enter is sent anywhere.
How to use the Stripe fee calculator
- Pick the mode: Fees on a payment (what you keep) or Amount to charge to receive X (what to ask for).
- Enter the amount in US dollars and choose the payment method: card or wallet (Apple Pay, Google Pay and Link use card pricing), ACH Direct Debit, or Klarna.
- Tick International card if the card was issued outside the US, Currency conversion if Stripe converts the payment into your settlement currency, and Manually entered card if you typed the card number in yourself (for example, a phone order).
- Tick any Stripe products you use on this payment: Billing for subscriptions, Tax, Invoicing, or an Instant payout.
- Read the fee, the effective percentage, what you receive and the monthly total for the number of payments you entered.
- Compare methods in the table Every method for this amount.
If you have negotiated pricing or a non-US account, open Custom rate and enter your own percentage and fixed fee.
Stripe fees in 2026 (US accounts)
| Payment or product | Fee | On a $100 payment |
|---|---|---|
| Domestic card, Apple Pay, Google Pay, Link | 2.9% + 30¢ | $3.20 |
| International card | +1.5% | $4.70 |
| Currency conversion | +1% | $5.70 with an international card |
| Manually entered card | +0.5% | $3.70 |
| ACH Direct Debit | 0.8%, capped at $5.00 | $0.80 |
| Klarna | 5.99% + 30¢ | $6.29 |
| Stripe Billing (pay as you go) | 0.7% of billing volume | $0.70 |
| Stripe Tax Basic (no-code) | 0.5% per transaction | $0.50 |
| Stripe Invoicing Starter | 0.4% per paid invoice | $0.40 |
| Instant payout | 1.5% of the payout, minimum 50¢ | $1.45 on a $96.80 payout |
Standard payouts to your bank are free. A dispute costs $15, plus another $15 if you respond to it manually, which Stripe refunds if you win. The calculator does not include disputes because they are not part of a normal payment.
Note: Stripe bills Billing, Tax and Invoicing fees separately, not from each payment, but they are a real cost of the sale. The calculator counts them in the total so your margin is honest.
Worked examples
A $100 card payment
2.9% of $100 is $2.90, plus 30¢, a fee of $3.20. You receive $96.80. If the card was issued in Canada, the rate becomes 4.4% + 30¢ and the fee $4.70. If Stripe also converts the money, add 1% more: $5.70, and you receive $94.30.
Small orders
The fixed 30¢ is what makes small payments expensive. A $20 payment costs $0.88, which is 4.4%. A $5 payment costs $0.45, or 9%. If most of your orders are small, raise the minimum order or bundle products.
A $2,000 invoice paid by ACH
0.8% of $2,000 would be $16, but ACH Direct Debit is capped at $5.00, so you receive $1,995. The same invoice paid by card costs $58.30. The cap kicks in at $625, so ask business clients paying more than that to pay by bank.
A $49 subscription with Billing and Tax
The card fee is $1.72 (2.9% of $49 is $1.42, plus 30¢). Stripe Billing adds 0.7% ($0.34) and Stripe Tax Basic 0.5% ($0.25). The total is $2.31 and you keep $46.69. At 200 subscribers a month, that is $462 in fees.
Charge so you receive exactly $100
Switch to Amount to charge to receive X and enter 100. The formula is (amount you want + 30¢) / (1 - 2.9%) = 100.30 / 0.971 = $103.30, rounded up to the cent. Stripe takes $3.30 and you get $100.00. Adding 2.9% on top ($102.90) and then 30¢ ($103.20) would leave you 9¢ short, because the fee is also charged on the part that covers the fee.
Klarna on a $100 order
Klarna costs 5.99% + 30¢, or $6.29, and you receive $93.71. That is $3.09 more than a card payment. Offer it if buy now, pay later lifts your conversion rate or order value by enough to cover the difference.
What Stripe costs per month at different volumes
The percentage matters most at high order values, and the 30¢ matters most at low ones. Set Transactions per month in the calculator to see your own total. A few typical shapes, all with US cards:
| Business | Payments a month | Fee per payment | Monthly fees |
|---|---|---|---|
| Online store, $50 average order | 200 | $1.75 | $350.00 |
| Digital products, $20 each | 1,000 | $0.88 | $880.00 |
| Agency retainers, $500 each by card | 50 | $14.80 | $740.00 |
| The same retainers by ACH Direct Debit | 50 | $4.00 | $200.00 |
The digital product seller pays 4.4% overall because of the fixed fee, while the agency pays 2.96% by card and 0.8% by bank. Moving the agency's clients to ACH saves $540 a month.
When a card counts as international
Stripe adds the 1.5% when the card was issued in a different country from your Stripe account, regardless of where the customer is standing. A US tourist paying in London with a US card is domestic for a US account; a Canadian customer shopping from home with a Canadian card is international. The 1% conversion fee is separate: it applies when the payment currency has to be converted into your settlement currency. If you price in USD and a foreign customer pays in USD, their bank may convert the money on their side, but Stripe does not charge you the conversion fee.
Pricing a product to cover Stripe fees
Say a product costs you $18 to make and ship, and you want $20 profit on each sale. You need $38 to land in your balance. Enter 38 in Amount to charge to receive X and the calculator returns $39.44: Stripe takes $1.44 (2.9% of $39.44 is $1.14, plus 30¢) and you keep $38.00. If a third of your customers pay with international cards, check that case too: with the extra 1.5%, the same $38 needs a price of $40.06. Many stores simply round up to $39.99 or $40 and accept a few cents less on the international orders.
Stripe Checkout and Payment Links do not add a fee of their own; you pay the processing rate for the payment method the customer uses. Invoicing Starter adds 0.4% per paid invoice, which you can tick in the calculator.
Passing Stripe fees to customers
The reverse mode tells you the exact price that covers the fee. Before you add a surcharge, check the rules: card network rules and some US states restrict surcharging credit cards, and debit cards cannot be surcharged at all. A cleaner approach for most stores is to build the fee into your prices. On a product you want to net $50 from, price it at $51.80 (the calculator's answer for $50) or round to $52.
If prices across your store need to move to absorb fees, AM Jarvis Bulk Edit Pro changes them across your whole Shopify or WooCommerce catalog with a preview and one-click undo.
Stripe compared with other processors
Stripe's 2.9% + 30¢ is the same headline rate as many US processors, but the add-ons differ. PayPal Checkout costs 3.49% + 49¢ in the US, so a $100 payment costs $3.98 instead of $3.20 (see our PayPal fee calculator). Shopify Payments rates depend on your Shopify plan; the Shopify fee calculator has them. If you run your own store on Stripe and buy traffic, AM Jarvis Dropshipping Suite helps you find products and ads and work out profit per sale before you scale a campaign.
Recording Stripe fees in your books
Stripe pays out net amounts, the payment minus its fee, which makes your bank deposits smaller than your sales. Record the full sale as revenue and the Stripe fee as an expense, rather than booking only the payout. Stripe's balance and payout reports list the gross amount, fee and net for each payment, so you can match each deposit. If you charge sales tax, remember that the processing fee is charged on the tax you collect as well, because it is part of the payment amount.
At the end of the month, a quick check is: total payments x your blended rate should be close to the fees in your Stripe reports. A big gap usually means more international cards, conversions or disputes than you thought.
How to lower your Stripe fees
- Use ACH Direct Debit for invoices and large B2B payments. The $5 cap saves the most on big tickets.
- Raise your average order value. The 30¢ is a smaller share of a $60 order than a $15 one.
- Price in the customer's currency only when it lifts sales enough to cover the 1% conversion fee.
- Avoid manual card entry where you can. A payment link or invoice lets the customer enter the card and avoids the extra 0.5%.
- Ask Stripe about volume pricing once you process a large amount each month. If you get it, enter the rate under Custom rate.
Troubleshooting
My Stripe dashboard shows a different fee
Open the payment and look at the fee details. An international card, a conversion or a manual entry flag usually explains the difference. Fees round to the cent, so a calculation that lands on half a cent can differ by 1¢.
Does Stripe refund its fee when I refund a customer?
No. When you refund a payment, the processing fee from the original payment is not returned. On the $100 example a full refund costs you $3.20.
What does a dispute cost?
Each dispute costs $15. If you respond to it manually, Stripe charges another $15, which is refunded if you win. On top of that, the disputed amount is held until the case is decided, and the original processing fee is not returned if you lose.
Does Stripe charge a monthly fee?
Not on standard pricing. There is no setup or monthly fee for payments; you pay per successful payment. Some optional products have monthly plans, such as Stripe Billing's pay monthly option, but the pay as you go rates in this calculator have no fixed monthly charge.
Which rate applies to Apple Pay and Google Pay?
Wallet payments use card pricing: 2.9% + 30¢ for US cards, plus the international and conversion fees where they apply.
The reverse result is higher than I expected
Fees are charged on the whole amount you collect, including the part that covers the fee. That is why you divide by (1 - rate) instead of adding the rate on top.