Calculate Stripe fees for cards, bank debits, Terminal, Billing and payouts across 45 markets. Rates read from Stripe and dated on the page.
Read from Stripe’s own pricing page for this market on August 5, 2026.
| Method | Rate | Fixed Fee |
|---|---|---|
| Domestic Cards | 2.90% | $0.30 |
| In-Person (Domestic) | 2.70% | $0.05 |
| ACH Direct Debit | 0.80% | — |
| Klarna | 5.99% | $0.30 |
| Invoicing (Card) | 3.30% | $0.30 |
| Subscription Billing | 3.60% | $0.30 |
| Instant Payout | 1.50% | — |
Rates are read from Stripe’s published pricing pages on the date shown and are for estimation only. Stripe may quote custom pricing, and taxes such as GST or VAT may apply on top. Confirm current pricing with Stripe before relying on these figures.
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In the United States Stripe charges 2.9% + $0.30 for a standard domestic card payment. A foreign card adds 1.5%, and currency conversion adds another 1%, so an international sale that needs converting costs 5.4% + $0.30. Those are US rates, and Stripe's pricing is genuinely different in every market it serves — a UK merchant pays 1.5% + 20p on a standard UK card, an Australian merchant 1.7% + A$0.30, a Japanese merchant a flat 3.6% with no fixed fee at all. This calculator carries the published card for 45 markets, each read from Stripe's own pricing page and dated on this page so you can see how current it is.
A Stripe processing fee is what Stripe deducts from each successful charge before paying you out. It has two parts: a percentage of the transaction and a flat per-transaction fee. In the US that is 2.9% + $0.30 on a domestic card; surcharges stack on top for international cards (+1.5%), manually keyed cards (+0.5%) and currency conversion (+1%). Other products carry their own rate on top of the card fee — Stripe Invoicing adds 0.4% per paid invoice and Stripe Billing adds 0.7% of billing volume. Bank rails are cheaper than cards almost everywhere: US ACH Direct Debit is 0.8% capped at $5.00, and UK Bacs is 1% with a 20p minimum and a £4.00 cap. Failed and disputed payments are charged separately — a US dispute costs $15.00 whether or not you win it.
Stripe Fee Formula
Reverse mode gives the exact amount to charge so your net lands on the figure you need, cap and minimum included.
Compare mode ranks every method your market publishes, so the saving from moving invoices to ACH, Bacs or SEPA is a number rather than a guess.
Stripe Billing adds 0.7% on top of the card rate, which changes unit economics on a low-priced monthly plan far more than it does on an annual one.
See what a foreign card and a currency conversion actually cost before you set an international price or decide to bill in local currency.
Stripe is 2.9% + $0.30 on a US domestic card; PayPal Checkout is 3.49% + $0.49. On $100 that is $3.20 against $3.98.
At $5 the $0.30 fixed fee is 6% on its own, so a $5 domestic sale costs 8.9% all-in — three times the headline rate. Fees only approach 2.9% on large tickets. Knowing where your average order sits tells you whether the percentage or the fixed fee is your real cost.
A foreign card adds 1.5% and conversion adds 1%, so a $1,000 international sale costs $54.30 instead of $29.30. That is $25 per order, and it is invisible until you read the surcharge lines.
US ACH Direct Debit is 0.8% capped at $5.00. On a $1,000 invoice that is $5.00 against $29.30 on a card — an 83% saving. On a $5,000 invoice the cap makes it $5.00 against $145.30.
The same standard card costs 1.5% + 20p in the UK, 2.9% + $0.30 in the US and 3.99% + R$0.39 in Brazil. Reading one country's card and assuming it applies to another is the most common way people get this wrong.
If you need to clear exactly $500, charging $500 leaves you $485.20. The reverse mode solves for the gross charge that nets your target after the fee, including any cap or minimum.
On a standard US domestic card, $3.20 — that is 2.9% ($2.90) plus the $0.30 fixed fee — and you receive $96.80. If the card was issued abroad the fee is $4.70 (4.4% + $0.30), and if the payment also needs currency conversion it is $5.70 (5.4% + $0.30). Paid by ACH Direct Debit instead, the same $100 costs just $0.80.
In the US, 2.9% + $0.30 for a domestic card. Stripe adds 1.5% for an international card, 0.5% for a manually keyed card and 1% when currency conversion is required, and those stack. In-person Terminal payments are 2.7% + $0.05. Outside the US the rate is different in every market — 1.5% + 20p in the UK, 1.7% + A$0.30 in Australia, 3.6% flat in Japan.
Multiply the transaction amount by the total percentage rate, then add the fixed fee. For a $250 US domestic card charge: 250 × 2.9% = $7.25, plus $0.30, so the fee is $7.55 and you receive $242.45. Add any surcharge to the percentage before you multiply — an international card in the US makes the rate 4.4%, not 2.9%.
Stripe's 2.9% + $0.30 is the same headline rate as most US card processors and cheaper than PayPal's 3.49% + $0.49 for online checkout. Where it becomes expensive is small transactions, where the fixed fee dominates, and international sales, where surcharges add up to 2.5 percentage points. Both have cheaper alternatives: bank debit for invoices, and billing in your customer's currency to avoid conversion.
US ACH Direct Debit is 0.8% of the transaction, capped at $5.00, on the standard settlement timeline. Two-day settlement is 1.2%. Because of the cap, ACH costs the same $5.00 on a $1,000 invoice as on a $50,000 one, which makes it dramatically cheaper than a card for large B2B payments. Failed ACH payments cost $4.00 and disputes $15.00.
For a US account, an international card costs 2.9% + 1.5% = 4.4% + $0.30, and if the payment needs currency conversion Stripe adds another 1%, taking it to 5.4% + $0.30. Other markets price this differently: the UK charges a flat 3.15% + 20p on an international card rather than a surcharge, and adds 2% for conversion.
No. Standard Stripe pricing is entirely per-transaction with no monthly or setup fee. Monthly charges only appear if you subscribe to a product plan — Stripe Billing from $620/month, Stripe Tax from $90/month — or rent Terminal hardware. Pay-as-you-go alternatives exist for both: Billing is 0.7% of volume and Tax is 0.5% per transaction.
Pay-as-you-go Stripe Billing is 0.7% of billing volume on top of the card processing fee. On a $49/month subscription that is 2.9% + 0.7% = 3.6% plus $0.30, so $2.06 per charge and $24.72 a year. Stripe Invoicing is cheaper at 0.4% per paid invoice.
No. Stripe does not return the processing fee on a refunded payment, so a refunded $100 US card sale still costs you the $3.20 fee. This is why the effective cost of a high-return business is meaningfully above the headline rate.
A disputed payment costs a US merchant $15.00, charged whether or not the dispute is resolved in your favour, on top of losing the disputed amount while the case is open. The fee is set per market — £15.00 in the UK, €15.00 across the eurozone, A$25.00 in Australia.