STRIPE · PAYMENTS

Stripe Fee Calculator 2026 — 2.9% + $0.30 Processing Fee Breakdown

See exactly what Stripe takes on a domestic or international charge, and what actually lands in your account. Toggle the international-card surcharge and reverse-solve the amount to charge for a target net.

Verified August 3, 2026

Official rates Manually verified

How Stripe fees work

Stripe's standard processing rate is 2.9% + $0.30 per successful card transaction, deducted automatically before the remainder settles to your bank account.

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STRIPE · STANDARD US

✓ 2026 rates ✓ Free ✓ Instant

Charge amount What you're charging the customer

Cost of goods / service What this cost you to deliver

Refine your rate — category, store tier, ads, payout method

International card Adds 1.5% for cards issued outside the US (total ≈4.4% + $0.30)

Standard US online (card-not-present) rate: 2.9% + $0.30 per successful charge. Cards issued outside the US add a 1.5 percentage point cross-border fee (≈4.4% + $0.30 total) — toggle above. Currency conversion adds a further ~1%; ACH (0.8%, capped at $5), in-person Terminal (2.7% + $0.05) and manually-keyed (3.4% + $0.30) rates differ. Check your Stripe dashboard for your exact negotiated rate.

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YOU RECEIVE —

$0.00

Enter your charge amount to see your profit

You keep 100% Fees 0%

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Charge amount

$0.00

Platform fees

−$0.00

Cost of goods / service

−$0.00

Net profit

$0.00

Margin —

ROI Add cost of goods / service

Want a specific margin instead? Solve for the price you need to charge →

Fee breakdown

Enter your charge amount to get personalised insights.

Fee structure

How Stripe fees are calculated

DOMESTIC RATE

2.9% + $0.30 per successful charge — the standard published rate for US online (card-not-present) payments.

INTERNATIONAL CARDS

Adds 1.5 percentage points (≈4.4% + $0.30 total) for cards issued outside the US. Toggle it on above.

CURRENCY CONVERSION

A separate ~1% fee applies if Stripe converts currency for you — not included by default, check your dashboard.

NEGOTIATED RATES

High-volume accounts can negotiate custom pricing with Stripe directly — this calculator uses the published standard rate.

Reverse math mode

Know what you want to take home? Work backwards.

Instead of "what do I keep from this amount?", answer "what do I need to charge to net a specific amount, after Stripe's fees?" The pricing calculator solves it instantly, pre-loaded with Stripe's exact rate.

Open reverse calculator

KEEP GOING

Pair the Stripe calculator with these.

PAYPAL

Compare Stripe's 2.9% + $0.30 against PayPal's 3.49% + $0.49 commercial rate.

OPEN → WISE

Sending the payout internationally afterward? See Wise's FX markup.

OPEN → PRICING

Reverse-solve the charge amount needed to net a specific target.

OPEN →

Worked examples

Stripe's 2.9% + $0.30 hits small charges much harder

The fixed $0.30 component means the effective rate is worse on small transactions than the headline 2.9% suggests:

$100 domestic charge

A typical mid-size charge — the fixed fee barely moves the effective rate.

Percentage cut: 2.9% × $100 $2.90

Fixed fee $0.30

Total fee $3.20

Effective rate 3.2%

You net $96.80

$5 domestic charge

Same fee structure, but the $0.30 fixed component now dominates the total.

Percentage cut: 2.9% × $5 $0.145

Fixed fee $0.30

Total fee $0.445

Effective rate 8.9%

You net $4.56

Cross-border

International cards and currency conversion

Cards issued outside the US add a 1.5 percentage point cross-border fee, bringing the total to roughly 4.4% + $0.30. If Stripe also converts currency on your behalf, expect a separate ~1% conversion fee on top — the two surcharges can stack on a genuinely cross-border sale.

FAQ

Stripe questions answered

What does Stripe charge per transaction?

The standard US online rate is 2.9% + $0.30 per successful charge. Cards issued outside the US add a 1.5 percentage point cross-border fee, for about 4.4% + $0.30 total. Currency conversion adds roughly another 1% on top of that.

Is Stripe cheaper than PayPal?

For a typical domestic charge, yes — Stripe's 2.9% + $0.30 undercuts PayPal's commercial 3.49% + $0.49. The gap can narrow at higher transaction values or with negotiated volume pricing on either platform.

Does Stripe charge extra for currency conversion?

Yes, typically an additional ~1% when Stripe converts currency for you, separate from the international-card surcharge modeled above. Your actual dashboard rate may differ if you've negotiated custom pricing.

How do I figure out what to charge to net a specific amount?

Use the reverse math calculator below — enter your target net and it back-solves the charge amount after Stripe's 2.9% + $0.30.