Stripe Fee Calculator
2026 rates, checked
Stripe Fee Calculator
See exactly what Stripe takes from a card or bank payment, compare every way your customer can pay, and get the price that leaves you the amount you need.
- Free, no sign-up
- US, UK, euro area, Canada and Australia
- Private: runs in your browser
Updates as you type
You keep
$96.80
from a $100.00 payment. Stripe takes $3.20, which is 3.2% of the payment.
- Stripe fee 3.2%
- You keep 96.8%
- Customer pays$100.00
- Processing fee2.9%−$2.90
- Fixed feePer payment−$0.30
- You keep$96.80
Cheaper, if it suits this customer: ACH Direct Debit. The same payment would cost $0.80 instead of $3.20, saving $2.40.
If you refund this payment, Stripe keeps its $3.20 fee. A dispute costs $15.00, plus another $15.00 if you respond, which comes back if you win.
Your yearly Stripe bill Estimate
Stripe takes a month$32.00
and a year$384.00
Switch to ACH Direct Debit and you’d keep $288.00 more a year.
Every way to get paid $100.00, ranked
What Stripe takes from a customer in the US, cheapest first. Pick one to use it.
Did this match what Stripe actually charged you?
Quick answer
How much does Stripe take from $100?
Stripe takes $3.20 from a $100 card payment to a US account: 2.9% plus a $0.30 fixed fee, so you receive $96.80. A card from outside the US adds 1.5%, currency conversion adds 1%, and ACH Direct Debit costs 0.8%, capped at $5. To receive exactly $100 by card, charge $103.30.
- US card or wallet$3.202.9% + $0.30
- Card from abroad+$1.50+1.5% on top
- Currency conversion+$1.00+1% on top
- ACH Direct Debit$0.800.8%, capped at $5
Fee table
Stripe fees on common amounts
Card or wallet, customer’s card from the US. The last column is what to charge to receive the amount in the first column.
The table follows whatever you pick in the calculator: payment method, country, card and billing.
| Amount | Stripe fee | You keep | To keep it, charge |
|---|---|---|---|
| $5.00 | $0.45 | $4.55 | $5.46 |
| $10.00 | $0.59 | $9.41 | $10.61 |
| $25.00 | $1.03 | $23.97 | $26.06 |
| $50.00 | $1.75 | $48.25 | $51.80 |
| $100.00 | $3.20 | $96.80 | $103.30 |
| $250.00 | $7.55 | $242.45 | $257.78 |
| $500.00 | $14.80 | $485.20 | $515.24 |
| $1,000.00 | $29.30 | $970.70 | $1,030.17 |
The basics
How Stripe fees work in 2026
Stripe charges you, the business, a fee on every successful payment, with no setup or monthly fee on standard pricing. The customer pays nothing extra. The fee has up to four parts.
- 1.5% to 2.9%
A percentage of the payment
The rate depends on where your Stripe account is and how the customer pays: 2.9% for cards in the US and Canada, 1.5% for standard UK and EEA cards, 1.65% in Australia. Bank debits cost less.
- $0.30
A fixed fee per payment
Card payments add a fixed fee in your account’s currency: $0.30 in the US, £0.20 in the UK, €0.25 in the euro area, CA$0.30 in Canada and A$0.30 in Australia.
- +1.5%
A card from another country
A US account pays 1.5% more for a foreign card and a Canadian account 0.8% more. In the UK, euro area and Australia the whole rate changes instead, to between 2.5% and 3.5%.
- +1% or 2%
Currency conversion
If the customer pays in a currency that has to be converted, Stripe adds 1% on a US account and 2% in the UK, euro area, Canada and Australia.
Other costs can follow a payment: Stripe keeps its fee when you refund, a dispute costs $15 in the US, a card typed in by hand costs 0.5% more in the US and Canada, and a Stripe invoice adds 0.4% per paid invoice on the Starter plan.
Rate card
Stripe fees for US businesses
| Payment or extra | Stripe fee | When it applies |
|---|---|---|
| Card or wallet | 2.9% + $0.30 | Every successful card, Apple Pay or Google Pay payment |
| Card from outside the US | +1.5% | The card was issued in another country |
| Currency conversion | +1% | The customer pays in a currency other than US dollars |
| Card typed in by hand | +0.5% | You enter the card details, for example over the phone |
| Link, paid by bank | 2.6% + $0.30 | The customer pays from a bank account through Link |
| ACH Direct Debit | 0.8%, max $5 | Pulled from a US bank account |
| Klarna | From 5.99% + $0.30 | The customer pays in instalments |
| Stripe Invoicing | +0.4% or +0.5% | Per paid invoice, on the Starter or Plus plan |
| Dispute | $15 | For each dispute you receive, and another $15 if you respond |
Outside the US
Stripe fees in the UK, euro area, Canada and Australia
United Kingdom
- UK cards
- 1.5% + £0.20 standard, 2.8% + £0.20 premium
- Cards from abroad
- 2.5% + £0.20 from the EEA, 3.15% + £0.20 elsewhere, +2% to convert
- Bacs Direct Debit
- 1%, minimum £0.20, capped at £4
Euro area
- EEA cards
- 1.5% + €0.25 standard, 2.8% + €0.25 premium
- Cards from abroad
- 2.5% + €0.25 from the UK, 3.15% + €0.25 elsewhere, +2% to convert
- SEPA Direct Debit
- €0.35 per payment
Canada
- Cards
- 2.9% + CA$0.30, +0.5% typed in by hand
- Cards from abroad
- +0.8%, +2% to convert
- Pre-authorised debit
- 1% + CA$0.40, capped at CA$5
Australia
- Cards
- 1.65% + A$0.30, GST included
- Cards from abroad
- 3.5% + A$0.30, +2% to convert
- PayTo or BECS Direct Debit
- 1% + A$0.30, capped at A$3.50
Do the maths
How to calculate Stripe fees
The fee
Fee = payment × percentage rate + fixed fee
For a $100 card payment on a US account: $100 × 2.9% + $0.30 = $3.20, so you receive $96.80. Add 1.5% to the rate for a foreign card and 1% for currency conversion.
What to charge
Charge = (amount you want + fixed fee) ÷ (1 − percentage rate)
To receive $100: ($100 + $0.30) ÷ 0.971 = $103.30, rounded up to the cent. On a Stripe invoice, add 0.4% to the rate.
FAQ
Stripe fee questions
Short answers to what businesses ask most. Something missing or looks wrong? Tell us and we’ll check it.
What are Stripe’s fees in the US?
A card or wallet payment to a US Stripe account costs 2.9% + $0.30. A card issued outside the US adds 1.5%, currency conversion adds 1% and a card typed in by hand adds 0.5%. ACH Direct Debit costs 0.8%, capped at $5. Standard pricing has no setup or monthly fee.
How much does Stripe charge for international cards?
A US account pays 1.5% more for a card issued abroad and a Canadian account 0.8% more. A UK account pays 2.5% + £0.20 for an EEA card and 3.15% + £0.20 for other foreign cards, a euro-area account 2.5% + €0.25 for a UK card and 3.15% + €0.25 for others, and an Australian account 3.5% + A$0.30. Converting the currency adds 1% in the US and 2% elsewhere.
Does Stripe return its fee when I refund a payment?
No. Stripe’s refunds guide says the processing fees from the original payment aren’t returned, so a refunded $100 card payment on a US account still costs you $3.20. Cancelling a payment before it completes costs nothing.
How much does a Stripe dispute cost?
A US account pays $15 for each dispute it receives and another $15 to respond to one manually, which comes back if you win. The dispute fee is £20 in the UK, €20 in the euro area, CA$15 in Canada and A$25 in Australia.
How much does Stripe Invoicing cost?
Stripe Invoicing costs 0.4% of each paid invoice on the Starter plan and 0.5% on Plus, which adds quotes, on top of the payment fee. A $100 invoice paid by a US card costs $3.20 + $0.40 = $3.60. A Stripe Payment Link on your own PDF invoice has no invoicing fee, only the payment fee.
Is Stripe cheaper than PayPal?
For a $100 card payment in the US, Stripe takes $3.20. PayPal takes $3.98 through PayPal Checkout and $3.48 for a card payment it processes. Both add 1.5% for a customer abroad. Try your own amount in the PayPal fee calculator.
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