Stripe Fee Calculator

Enter your transaction amount. See your exact Stripe fee and net take-home in real time — using current 2026 rates for US cards, international cards, ACH, and Link.

No sign-up. No email. Nothing stored. Rates current as of April 2026.

Calculate your fee
$
Gross transaction $100.00
Stripe fee (2.9% + $0.30) −$3.20
You receive $96.80
US card: 2.9% + $0.30 per successful charge
Quick reference — US card
Transaction Stripe fee You keep
Assumes standard US card processing at 2.9% + $0.30 per successful charge.

How Stripe fees actually work

Stripe charges a percentage of the transaction plus a flat per-transaction fee. The formula is simple:

fee = (amount × rate%) + fixed

For a standard US card charge at 2.9% + $0.30, a $100 transaction costs you $100 × 0.029 + $0.30 = $3.20 in fees, leaving $96.80 deposited to your bank.

Stripe deducts the fee from each transaction before payout — you don't receive a monthly bill. The dashboard shows your net, not your gross.

Current Stripe rates (2026)

Payment type Rate Notes
US card (Visa, Mastercard, Amex, Discover) 2.9% + $0.30 Standard accounts. Same rate across all US cards.
International card 4.4% + $0.30 Adds 1.5% for non-US cards.
Currency conversion +1% Added on top of international card rate. Total: 5.4% + $0.30.
ACH Direct Debit 0.8%, capped at $5 For US bank account debits. Much cheaper for large transactions.
Link (instant bank payment) 0.8%, capped at $5 Stripe's stored payment method, similar pricing to ACH.
Dispute fee $15 per dispute Charged per chargeback. Not refunded if you win.
Instant Payout 1% (min $0.50) Optional faster-than-standard payout to your bank.
Heads up: These rates apply to standard Stripe accounts. Stripe Connect platforms, Terminal in-person payments, enterprise deals, and certain regulated industries can have different pricing. Always verify current rates at stripe.com/pricing before making decisions.

Worked examples at common transaction sizes

The fixed $0.30 hurts most on small transactions. On a $5 sale, the effective rate is 8.9% — three times the headline rate. On a $1,000 sale, it's 2.93%.

Gross Stripe fee (US card) You keep Effective rate
$5.00$0.45$4.559.00%
$10.00$0.59$9.415.90%
$25.00$1.03$23.974.12%
$50.00$1.75$48.253.50%
$100.00$3.20$96.803.20%
$500.00$14.80$485.202.96%
$1,000.00$29.30$970.702.93%
$5,000.00$145.30$4,854.702.91%
$10,000.00$290.30$9,709.702.90%

Hidden Stripe fees most guides miss

The headline 2.9% + $0.30 is honest — but there are several situations where the real cost lands higher. Here's what most guides skip:

  • Currency conversion stacks. If a French customer pays you in EUR, you pay the international-card surcharge (1.5%) and the currency conversion fee (1%) — 5.4% + $0.30 on top. This matters for cross-border SaaS and DTC.
  • Refunded transactions don't return the fixed fee (for older accounts). Stripe has generally moved to refunding full fees on most accounts now, but behavior varies by account age and region — check your Stripe dashboard settings.
  • Disputes cost $15 per case. Even if you win the dispute, the $15 is not returned. For high-dispute businesses (subscriptions, digital goods), this adds up fast.
  • Stripe Connect platform fees layer on top. If you're using Connect, your platform can charge its own cut in addition to Stripe's processing fees. Always read the platform's terms.
  • Radar for Fraud Teams is $0.05/screened charge (on top of processing). Standard Radar is free and included — the paid tier with custom rules costs extra.
  • Terminal (in-person) is 2.7% + $0.05. Different from online — generally cheaper percentage but you pay for hardware.
  • Invoicing, Billing, Identity, Tax, and Climate all have their own fees layered on top of processing. If you use these, budget separately.

The calculator above handles the main card + ACH + Link cases. For Connect, Terminal, or enterprise pricing, Stripe's current pricing page is the source of truth.

Stripe vs Square vs PayPal fees

Stripe is not cheapest for every case. Square is cheaper for small in-person transactions; PayPal is sometimes better for certain international flows; some processors beat all three on volume pricing. Run the math for your specific situation:

Stripe

2.9% + $0.30 · US card
Current page →

Square

2.6% + $0.10 · in-person
Calculator coming soon

PayPal

3.49% + $0.49 · online
Calculator coming soon

Head-to-head

Compare all three at your volume
Comparison coming soon

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If you're evaluating processors based on the fee math above, these are the fastest ways to open an account. We don't show rates we don't trust — these are the same numbers you see on the processors' own sites.

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Frequently asked questions

What are Stripe's transaction fees in 2026?
Stripe charges 2.9% + $0.30 per successful domestic card transaction in the US. International cards add 1.5% (total 4.4% + $0.30) and currency conversion adds another 1%. ACH Direct Debit is 0.8% capped at $5. These rates apply to standard Stripe accounts; Stripe Connect, Terminal, and enterprise deals can differ.
Does Stripe charge different fees for Amex vs. Visa/Mastercard?
No. Stripe unified its card processing rate years ago — US Amex, Visa, Mastercard, and Discover all process at 2.9% + $0.30. This is different from PayPal and some Square configurations, which have historically varied by card brand.
Are Stripe's fees deducted from the transaction automatically?
Yes. Stripe deducts the fee from the gross transaction amount before depositing the net to your bank. You don't get a separate monthly bill — fees come out of each transaction. The "Available balance" in your Stripe dashboard is your net, not your gross.
What happens if a customer disputes a charge?
Stripe charges a $15 dispute fee per disputed charge, in addition to refunding the transaction to the customer. If you win the dispute, the $15 is not refunded. For high-ticket or cross-border businesses, chargebacks are a material cost to plan for.
Can I negotiate lower Stripe fees?
Stripe offers custom pricing for businesses at roughly $80,000+/month in processing volume. Below that, the published 2.9% + $0.30 is what you'll pay. Stripe Connect platforms can set their own platform fees on top, but that's different from negotiating the underlying processing rate.
How is ACH cheaper than card?
ACH Direct Debit is 0.8% capped at $5. On a $500 sale: $14.80 via card vs $4.00 via ACH — an 11-dollar savings. The trade-off: ACH takes 3–5 business days to settle, and customers need to provide bank account details instead of a card. For B2B invoicing and large one-off payments, ACH is usually the right call.
Is this calculator affiliated with Stripe?
No. netfee.io is independent. We built this calculator because the headline rates on processor pricing pages rarely match what business owners actually pay once currency conversion, disputes, and other line items are factored in. We don't store any data you enter.