Stripe Fee Calculator
Stripe's standard US pricing is 2.9% + $0.30 per successful online payment with a US card. A card number typed in manually adds 0.5%, an international card 1.5%, and currency conversion 1%. In person with Stripe Terminal it's 2.7% + $0.05, and ACH Direct Debit is 0.8% capped at $5.00. Payouts on the standard schedule are free; Instant Payouts cost 1.5% (min $0.50). Example: on a $100 online card payment, Stripe fees are $3.20 and $96.80 lands in your Stripe balance.
See what lands in your Stripe balance and your bank after Stripe's fees, and how much to charge so you end up with the amount you want. Standard pricing for US Stripe accounts. Fees checked October 25, 2026.
Fee breakdown
| Amount |
|---|
Stripe fees at common amounts
| Amount | Online card | In person | ACH bank debit | Instant Payouts |
|---|---|---|---|---|
| $10 | $0.59 | $0.32 | $0.08 | $0.50 |
| $25 | $1.03 | $0.73 | $0.20 | $0.50 |
| $50 | $1.75 | $1.40 | $0.40 | $0.72 |
| $100 | $3.20 | $2.75 | $0.80 | $1.45 |
| $250 | $7.55 | $6.80 | $2.00 | $3.64 |
| $500 | $14.80 | $13.55 | $4.00 | $7.28 |
| $1,000 | $29.30 | $27.05 | $5.00 | $14.56 |
Fee on each payment; the last column is the Instant Payouts fee on what's left of an online card payment.
Stripe fee rates at a glance
| What | Rate | Charged on |
|---|---|---|
| Online card payment (US card) | 2.9% + $0.30 | The payment amount |
| In person with Stripe Terminal (US card) | 2.7% + $0.05 | The payment amount |
| ACH Direct Debit (bank payment) | 0.8%, max $5.00 | The payment amount |
| Card number typed in manually | +0.5% | Online card payments only |
| International card | +1.5% | Card payments, online or in person |
| Currency conversion needed | +1% | Online card payments only |
| Tap to Pay on iPhone or Android | +$0.10 | In-person payments only |
| Standard payout to your bank | Free | Stripe's regular payout schedule |
| Instant Payouts | 1.5%, min $0.50 | The amount paid out |
| Dispute (chargeback) | $15.00 per dispute | Another $15.00 if you counter it manually, returned if you win |
| Refunds | Original fees aren't returned | The refunded payment |
Ways to keep more
- For large invoices, ACH Direct Debit costs less than a card: on a $1,000 payment it's $5.00 instead of $29.30.
- Let customers enter their own card online instead of typing it in for them: typed-in cards cost 0.5% more.
- Use the free standard payout schedule instead of Instant Payouts (1.5%, min $0.50).
Same payment on other payment apps
| App | Fees | You get |
|---|
Same payment amount on each app, using each one's usual way of getting paid for a sale, no instant cash-out. Payment apps only; for marketplaces see the home page.
Where these numbers come from
Fees checked on October 25, 2026 against Stripe's own fee schedule and help pages. Rates are for US accounts paid in US dollars. Stripe shows the exact fee on each payment; small differences can come from rounding.
Questions
How much does Stripe charge per transaction?
On standard US pricing, 2.9% + $0.30 for each successful online payment with a US card, with no setup or monthly fee. In person with Stripe Terminal it's 2.7% + $0.05 (plus $0.10 per Tap to Pay authorization), and ACH Direct Debit bank payments are 0.8%, max $5.00.
What extra fees apply to international cards and currency conversion?
Stripe adds 1.5% for cards issued outside the US and another 1% when the payment needs a currency conversion. Typing in a card number manually adds 0.5%. So a $100 online payment from an international card that needs conversion costs $5.70 in fees instead of $3.20.
How much should I charge to receive $100 with Stripe?
For an online card payment, charge $103.30: after the 2.9% + $0.30 fee, $100.00 lands in your Stripe balance. For ACH Direct Debit it's $100.81. Check that adding a fee or surcharge to customers is allowed where you sell before you pass it on.
Does Stripe return its fee when I refund a payment?
No. Stripe's docs say its processing fees from the original transaction aren't returned when you refund. Canceling a payment before it completes costs nothing.
How much is a Stripe dispute fee?
$15.00 for each dispute (chargeback) you receive, and another $15.00 if you respond to it manually. You get the second fee back if you win the dispute; Stripe also takes the disputed amount from your balance while the dispute is open.
What does this calculator leave out?
Custom and IC+ pricing, Buy Now Pay Later methods such as Klarna, stablecoin payments, Connect platform fees, and products priced separately such as Billing, Invoicing, Tax and Radar for Fraud Teams. Stripe charges one fee per payment; this calculator rounds each part to the cent, so totals can differ by a cent.