What's the standard Stripe fee?

US online card: 2.9% + $0.30 per successful charge. International card: 3.9% + $0.30. Currency conversion: +1%. ACH (US bank debit): 0.8% capped at $5. Failed payments: free. Disputed chargebacks: $15 per dispute regardless of outcome. No monthly fees, minimums, or setup costs. List prices; volume discounts available at $80K+/month.

Is Stripe cheaper than PayPal?

Stripe US: 2.9% + $0.30. PayPal: 2.99% + fixed fee (varies by country). Stripe is slightly cheaper for typical online charges. PayPal sometimes wins for international where their fixed-fee structure is simpler. PayPal has stronger consumer brand recognition (some buyers prefer PayPal checkout). Stripe has cleaner API + dramatically better developer tools. For B2C with international buyers, often offer both.

What about chargebacks?

Disputed transactions cost $15 per dispute (regardless of whether you win or lose the dispute). Plus the disputed amount is held until resolution. High chargeback rates (over 1%) trigger account review and potential termination. Mitigations: clear billing descriptors (so customers recognize charges on statements), responsive customer support, easy refund process, fraud-detection (Stripe Radar — free basic, $0.05/transaction for advanced).

How do volume discounts work?

Stripe offers custom pricing at $80K+/month volume. Typical reduction: 2.4-2.6% + $0.30 (vs list 2.9% + $0.30). At $1M+/month, can negotiate further toward interchange-plus pricing (cost of card-network interchange + small Stripe markup). Contact sales@stripe.com with your volume data and competitor offers. Negotiation is real — most large businesses pay 0.3-0.5% below list.

ACH (US bank debit): 0.8% capped at $5 per transaction. Dramatically cheaper than card for large transactions. Trade-offs: 3-5 business day settlement (vs instant card), higher failure rate (~3-5% NSF fees vs <2% card decline), older customer base less comfortable with ACH. For B2B (invoiced billing, large contract values), ACH wins on cost. For B2C and small recurring (under $50/mo), card is more reliable.

Should I use Stripe Tax?

Stripe Tax adds 0.5% per transaction in tax-collected jurisdictions but handles automatic sales tax / VAT calculation, collection, and remittance across 35+ countries. For multi-state US, EU, UK, Canada, India, Australia, etc.: massive time-saver. For single-state US-only: probably overkill. Compare to alternatives (Avalara, TaxJar) — Stripe Tax is integrated and competitively priced, often the right choice for digital businesses with international reach.

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Stripe Fee Calculator

Q: Should I use Stripe Tax?

Stripe Tax adds 0.5% per transaction in tax-collected jurisdictions but handles automatic sales tax / VAT calculation, collection, and remittance across 35+ countries. For multi-state US, EU, UK, Canada, India, Australia, etc.: massive time-saver. For single-state US-only: probably overkill. Compare to alternatives (Avalara, TaxJar) — Stripe Tax is integrated and competitively priced, often the right choice for digital businesses with international reach.

Enter a charge amount and currency to see the Stripe processing fee and net amount deposited. Supports US + international cards.

Updated June 2026

Charge amount

CurrencyCard type

Rate applied: 2.9% + $0.30 (US cards)

Stripe fee (estimate)USD 3.20

Net depositedUSD 96.80

Effective fee rate3.20%

Estimate only — actual Stripe fees depend on country, product, and plan. Currency conversion, disputes, and additional services may add extra costs.

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What it does

Stripe is the dominant payment processor for SaaS, e-commerce, and online services since launching in 2010. Standard pricing (2024-2025) for online card charges in the US: 2.9% + $0.30 per successful charge for domestic cards. International cards: extra 1% (so 3.9% + $0.30). Currency conversion (charging customers in their currency, settling in yours): extra 1%. Disputed chargebacks: $15 per dispute regardless of outcome. Failed payments: free. ACH direct debit (US): 0.8% capped at $5. Wire transfers and SEPA: similar low rates. Stripe's pricing is straightforward per-transaction with no monthly fees, minimums, or setup costs — making it accessible for any-size business but not always cheapest at scale.

The calculator takes charge amount, card type (US domestic / US international / ACH / SEPA / wire), and optional currency conversion, then outputs Stripe fee and net amount deposited to your account. Example: $100 charge with US card → $2.90 + $0.30 = $3.20 fee, $96.80 deposited. $100 charge with international card and USD-to-EUR conversion → $3.90 + $0.30 + $1.00 = $5.20 fee, $94.80 deposited (in EUR equivalent at Stripe's exchange rate). Subscription charges incur the same per-transaction fee on each renewal — monthly $50 sub × 12 = $36 in annual Stripe fees.

Strategic considerations: (1) Volume discounts — Stripe offers reduced rates (2.4% + $0.30 typical) at $80K+ monthly volume; contact sales for custom pricing. High-volume businesses often negotiate well below list rates. (2) Stripe vs alternatives — Square (2.9% + $0.30 online, similar to Stripe), PayPal (2.99% + fixed fee), Adyen (interchange-plus pricing, better for very-high-volume), Braintree (PayPal-owned, similar to Stripe). For most SaaS / e-commerce under $1M annual, Stripe is the practical default. Above $5M, custom processor contracts can save 0.3-0.5% — meaningful at scale. (3) Subscription vs one-time charges — Stripe Billing handles subscriptions natively with proration, free trials, dunning, tax automation. Each recurring charge incurs full per-transaction fee. (4) Failed payment handling — Stripe's built-in retry logic recovers 5-10% of declined cards via Card Account Updater (automatic update of expired card numbers) and smart retry timing. (5) Tax automation — Stripe Tax (additional 0.5% per transaction in tax-collected jurisdictions) handles sales tax / VAT collection and remittance — especially valuable for multi-jurisdictional businesses.

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How to use it

Enter your charge amount.
Pick card type: US domestic / international / ACH / SEPA / wire.
Toggle currency conversion if charging in customer's currency, settling in yours.
Read Stripe fee and net amount deposited.
For subscriptions, multiply per-charge fee by billing cycles per year.

When to use this tool

Pricing service tiers — confirming net revenue per subscription / charge.
Annual financial review — calculating effective Stripe fee rate across transactions.
Comparing Stripe to alternatives (Square, PayPal, Braintree, Adyen) at your volume.
Negotiating volume pricing at $80K+ monthly volume.
Pre-launch financial model — accurate fee assumptions for SaaS / e-commerce projections.

When not to use it

Specific enterprise contracts with custom pricing — refer to your contract.
Stripe Connect platform pricing — different fee structure for marketplaces.
Crypto / Stripe Crypto features — different rates entirely.
Specific tax-jurisdiction precision — use Stripe Tax or dedicated tax software for filing.

Common use cases

Verifying a number or output before passing it on
Quick calculation during a typical workday
Pre-decision sanity-check on inputs and outputs
Educational use — demonstrating the underlying concept

Frequently asked questions

What's the standard Stripe fee?: US online card: 2.9% + $0.30 per successful charge. International card: 3.9% + $0.30. Currency conversion: +1%. ACH (US bank debit): 0.8% capped at $5. Failed payments: free. Disputed chargebacks: $15 per dispute regardless of outcome. No monthly fees, minimums, or setup costs. List prices; volume discounts available at $80K+/month.
Is Stripe cheaper than PayPal?: Stripe US: 2.9% + $0.30. PayPal: 2.99% + fixed fee (varies by country). Stripe is slightly cheaper for typical online charges. PayPal sometimes wins for international where their fixed-fee structure is simpler. PayPal has stronger consumer brand recognition (some buyers prefer PayPal checkout). Stripe has cleaner API + dramatically better developer tools. For B2C with international buyers, often offer both.
What about chargebacks?: Disputed transactions cost $15 per dispute (regardless of whether you win or lose the dispute). Plus the disputed amount is held until resolution. High chargeback rates (over 1%) trigger account review and potential termination. Mitigations: clear billing descriptors (so customers recognize charges on statements), responsive customer support, easy refund process, fraud-detection (Stripe Radar — free basic, $0.05/transaction for advanced).
How do volume discounts work?: Stripe offers custom pricing at $80K+/month volume. Typical reduction: 2.4-2.6% + $0.30 (vs list 2.9% + $0.30). At $1M+/month, can negotiate further toward interchange-plus pricing (cost of card-network interchange + small Stripe markup). Contact sales@stripe.com with your volume data and competitor offers. Negotiation is real — most large businesses pay 0.3-0.5% below list.
ACH vs card?: ACH (US bank debit): 0.8% capped at $5 per transaction. Dramatically cheaper than card for large transactions. Trade-offs: 3-5 business day settlement (vs instant card), higher failure rate (~3-5% NSF fees vs <2% card decline), older customer base less comfortable with ACH. For B2B (invoiced billing, large contract values), ACH wins on cost. For B2C and small recurring (under $50/mo), card is more reliable.
Should I use Stripe Tax?: Stripe Tax adds 0.5% per transaction in tax-collected jurisdictions but handles automatic sales tax / VAT calculation, collection, and remittance across 35+ countries. For multi-state US, EU, UK, Canada, India, Australia, etc.: massive time-saver. For single-state US-only: probably overkill. Compare to alternatives (Avalara, TaxJar) — Stripe Tax is integrated and competitively priced, often the right choice for digital businesses with international reach.

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