Stripe fee calculator

An independent calculator, not Stripe: nothing to sign in to and nothing to pay here. Enter a sale amount and read the fees.

Stripe charges 2.9% + 30¢ per successful domestic card or wallet payment, 3.4% + 30¢ for manually entered cards, +1.5% for cards issued outside the US, +1% when currency conversion applies, ACH at 0.8% capped at $5, and 2.7% + 5¢ in person on Terminal. Each fee is rounded to the nearest cent.

The nightly check re-reads 28 of the 28 sentences quoted on this page.

At a glance (default settings)

Computed from the schedule with the calculator's default settings; change them above for your case. How much does Stripe take? explains each fee in words.

Where these numbers come from

• Pricing & Fees | Stripe (United States, English) — read 2026-10-26
• Accept popular payment methods with a single integration — payment method pricing (US) — read 2026-09-08
• Manually entered card payments — Stripe Support — read 2026-09-08
• Instant Payouts for Stripe Dashboard users — Stripe Docs — read 2026-10-26
• Stripe Pricing Policy — read 2026-09-08; the page states "Last updated Last modified: July 20, 2026"
• Rounding rules for Stripe fees — Stripe Support — read 2026-09-08
• ACH Direct Debit payments — Stripe Docs (no fee amounts on page) — read 2026-09-08

Standard US pricing: 2.9% of the transaction amount plus $0.30 per successful domestic card transaction (online cards and wallets; same rate for Link, Apple Pay, Google Pay, Cash App Pay). Surcharges add percentage points on the same base: +0.5% for manually entered (Dashboard/MOTO) cards, giving 3.4% + $0.30; +1.5% for cards issued outside the US; +1% if currency conversion is required (surcharges can stack). Stripe does not itemize tax or shipping — the fee applies to the full amount charged. Each Stripe fee is rounded to the nearest cent (0.025 rounds up to 0.03, 0.024 rounds down to 0.02). ACH Direct Debit is 0.8% capped at $5.00 per transaction. Instant Payouts for US accounts cost 1.5% of the payout amount, with each payout between $0.50 and $9,999 and at most 10 per day. Disputes: $15.00 when received plus $15.00 when countered manually (the countered fee is returned if you win). Per the Pricing Policy, each successful refund is charged the fixed fee applicable to the refunded transaction.

Checked against Stripe's own examples

The calculator reproduces every worked example the platform publishes; these are run as tests before any page is built.

• Arithmetic check derived from the published rates: $100 domestic card payment. Page says: total fees $3.20, net $96.80. "2.9% + 30¢ per successful card charge"
• Arithmetic check of stripe's own rounding rule: a computed fee of $0.025 becomes $0.03 and $0.024 becomes $0.02 — checked in the engine's rounding test; here a $0.86 card charge (2.9% + 30¢ = $0.32494) rounds to $0.32. Page says: total fees $0.32. "0.025 rounds up to 0.03, 0.024 rounds down to 0.02"
• Arithmetic check derived from the published rates: a $20 card payment (fee $0.88, $19.12 left) paid out instantly costs the 50¢ minimum fee, since 1.5% of $19.12 is only $0.29. Page says: total fees $1.38, net $18.62. "Minimum fee of 50¢"
• Arithmetic check derived from the published rates: a $1,000 card payment (fee $29.30, $970.70 left) paid out instantly costs 1.5%, $14.56, above the minimum. Page says: total fees $43.86, net $956.14. "1.5% of Instant Payouts volume"

Not included

• Dispute/chargeback fees ($15 received, $15 countered, Smart Disputes 30%, Visa/Mastercard dispute-prevention $15/$29) — captured for reference, out of calculator scope
• Card reader hardware ($59 M2, $299 S710/S700, $329 T600) and $10/reader/month cellular
• Subscription products: Billing ($620/mo or 0.7%), Tax ($90/mo, 0.5% or $0.50), Sigma, Data Pipeline, Revenue Recognition, Radar, Identity, Atlas, Climate, Workflows
• Connect platform fees (0.25% starting), Treasury, Issuing ($0.10 virtual / $3.50 physical card; 1% + 30¢ cross-border), Global Payouts ($1.50 per payout)
• Managed Payments merchant-of-record 3.5%
• Financial Connections ($1.50 instant verification, etc.)
• Custom / IC+ negotiated pricing
• ACH failed-payment and ACH dispute fees (amounts not captured; see notes)

Notes

• The FAQ answers on stripe.com/pricing ('How are payment fees calculated?', 'Are there additional fees for refunds?', 'Do you have setup fees or monthly fees?') are rendered only on click; they were not present in either the server HTML or the JS-rendered DOM, so their text could not be captured. The Pricing Policy (1.3 rounding, 1.4 refund fixed fee) was used instead.
• On stripe.com/pricing/local-payment-methods every 'Show additional fees' panel (e.g. ACH Direct Debit failure and dispute fees, international/currency-conversion surcharges per method) is click-rendered and was not captured; the ACH $5.00 cap comes from the main pricing page. The ACH docs page confirms a failure fee and a non-refundable dispute fee exist but does not state amounts.
• Manual-entry pricing is stated two ways that agree: '+0.5% for manually entered cards' on the pricing page and '3.4% + 0.30 USD' on the support article (2.9% + 0.5% = 3.4%). The support article also says only the first subscription payment on a Dashboard-keyed card gets the higher rate.
• International (+1.5%) and currency-conversion (+1%) surcharges are listed separately and can both apply to one payment; the pages do not state whether surcharges are rounded separately or after summing — Pricing Policy 1.3 says 'each Stripe fee' is rounded.
• Refunds: Pricing Policy 1.4 says each successful refund is charged the fixed fee applicable to the refunded transaction (i.e. the $0.30). The pricing-page FAQ on refunds could not be read to confirm whether the percentage portion is also retained; calculator author must decide how to model refunds.
• Instant Payouts: limits are $0.50 minimum and $9,999 maximum per payout, max 10 per day, US daily limit resets at midnight US Central Time; new accounts are not immediately eligible.
• Re-read 2026-10-26. The Instant Payouts fee moved: stripe.com/pricing now states it ('1.5% of Instant Payouts volume', 'Minimum fee of 50¢', 'Pricing differs for Connect users'), and the docs page no longer gives any percentage or country list, only that Stripe assesses a fee on each Instant Payout. The 1.5% is unchanged. The 50¢ minimum fee is stated there and was not in this schedule or the calculator: an Instant Payout under about $33 costs 50¢, and the calculator now applies it. Only the US rate is covered.
• The hero shows '2.9% + $0.30' and the table shows '2.9% + 30¢' — same rate. The page footer reads 'United States (English)', so these are US rates.
• Terminal (in-person) domestic cards are 2.7% + 5¢, plus $0.10 per authorization for Tap to Pay and an optional $0.05 P2PE fee; international cards add 1.5% in person as well.

See a mistake? The schedule file behind this page is public; corrections that cite the platform's page are applied.