Stripe’s headline price is short: 2.9% + 30¢ per successful card payment in the US. What it leaves out is everything that stacks on top. A card issued abroad adds 1.5%, charging in another currency adds 1%, a card you type in yourself adds 0.5%, and Billing, Invoicing, Tax and Radar each add their own fee to the same payment. All of it is charged on the whole amount, shipping and sales tax included. The calculator above applies each fee to the amount Stripe names, shows the arithmetic on every line and rounds each fee to the cent, half up, as Stripe’s pricing policy says.
Every Stripe fee at a glance
These are Stripe’s standard, pay-as-you-go prices for a US account. Pick another country in the calculator to see its own table.
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Online card or wallet | 2.9% + $0.30 | The whole payment | Card issued in the USsource |
| International card | +1.5% | The whole payment | Card issued outside the USsource |
| Manually entered card | +0.5% | The whole payment | Typed into the Dashboard or taken by phone (MOTO)source |
| Currency conversion | +1% | The converted amount | Customer pays in another currencysource |
| Link instant bank payment | 2.6% + $0.30 | The whole payment | Per successful paymentsource |
| ACH Direct Debit | 0.8%, max $5.00 | The whole payment | Per successful paymentsource |
| Bank transfer from the customer (ACH credit) | 0.5%, max $5.00 | The whole payment | Per successful paymentsource |
| Klarna | 5.99% + $0.30 | The whole payment | Per successful paymentsource |
| Affirm (standard) | 6% + $0.30 | The whole payment | Per successful paymentsource |
| Affirm (enhanced, more 0% APR plans) | 7.99% + $0.30 | The whole payment | Per successful paymentsource |
| Cash App Afterpay | 6% + $0.30 | The whole payment | Per successful paymentsource |
| Zip (Pay in 4) | 4.5% + $0.30 | The whole payment | Per successful paymentsource |
| Stablecoins | 1.5% | The whole payment | Per successful paymentsource |
| In person (Terminal) | 2.7% + $0.05 (+1.5% intl) | The whole payment | Tap to Pay on a phone adds $0.10source |
| Stripe Billing | 0.7% | Subscription (Billing) payments | If you bill subscriptions through Stripesource |
| Stripe Invoicing | 0.4% Starter / 0.5% Plus | Paid one-off invoices | If you send invoices through Stripesource |
| Post-payment invoice | 0.4%, max $2.00 | One-off Checkout / Payment Link purchases | If automatic invoices are onsource |
| Stripe Tax (Basic) | 0.5% no-code / $0.50 per API transaction | The total including tax | Where you’re registered to collect taxsource |
| Radar | Lite free; Standard $0.05, Plus $0.07, Pro $0.09 | Each screened payment | Paid tiers onlysource |
| Instant Payout | 1.5%, min $0.50 | The amount paid out | Only if you choose an instant payoutsource |
| Dispute | $15.00 + $15.00 if you respond | Each card dispute | Response fee returned if you winsource |
| Smart Disputes | 30% | The disputed amount | Only disputes won with Smart Disputessource |
| Refund | No extra fee | Card refunds | Original processing fee isn’t returnedsource |
Four things catch most merchants out:
- Surcharges stack. A card issued outside the US, paying in its own currency, costs 2.9% + 1.5% + 1%: $5.70 on a $100 payment instead of $3.20.
- The fee applies to tax and shipping too. Stripe takes its percentage of the whole charge. On a $108 payment that includes $8 sales tax, $0.23 of the $3.43 fee is the 2.9% on the tax.
- Refunds don’t return the fee. Refund a $100 card payment and the $3.20 stays with Stripe.
- Disputes cost twice. $15 when a dispute opens and another $15 if you respond with evidence, which comes back only if you win outright.
What you keep at common prices
Each row is an online payment with a US-issued card and no add-ons.
| Payment amount | Total fees | Fee rate | You keep |
|---|---|---|---|
| $1.00 | $0.33 | 33.0% | $0.67 |
| $5.00 | $0.45 | 9.00% | $4.55 |
| $10.00 | $0.59 | 5.90% | $9.41 |
| $20.00 | $0.88 | 4.40% | $19.12 |
| $50.00 | $1.75 | 3.50% | $48.25 |
| $100.00 | $3.20 | 3.20% | $96.80 |
| $250.00 | $7.55 | 3.02% | $242.45 |
| $500.00 | $14.80 | 2.96% | $485.20 |
| $1,000.00 | $29.30 | 2.93% | $970.70 |
The 30¢ fixed fee is what hurts small payments: a $5 payment gives up 9.0% to Stripe and a $100 payment 3.2%, while a $1,000 payment pays $29.30, close to the 2.9% headline.
How the fees add up on one payment
A $120 order from a customer whose card was issued outside the US, charged in their own currency:
- Payer pays$120.00
- Stripe processing fee4.4% × $120.00 + $0.30−$5.58
- Currency conversion fee1% × $120.00−$1.20
- You keep$113.22
The processing fee is 4.4% of $120 (2.9% plus the 1.5% international surcharge), which is $5.28, plus 30¢: $5.58. Because the customer paid in another currency, Stripe converts the payment at the mid-market rate and charges 1% of it, $1.20, as its own line. Together that is $6.78, or 5.65% of the order, and $113.22 reaches your balance. Charged in US dollars, the same order would cost $5.58, and with a US-issued card $3.78.
Cards, bank debits and buy now, pay later
The way your customer pays changes the fee more than anything else. On a $500 payment from a US customer:
- Card or wallet online: $14.80.
- Card you type into the Dashboard (phone or mail orders): $17.30, because keyed cards cost 3.4% + 30¢.
- Link instant bank payment: $13.30 (2.6% + 30¢).
- ACH Direct Debit: $4.00. It is 0.8% and never more than $5.00, so from $625 up every ACH payment costs exactly $5.00. A failed debit costs $4.00.
- Klarna: $30.25. Affirm (standard package) or Afterpay: $30.30.
Buy now, pay later costs about twice as much as a card: that is the price of being paid in full while the customer pays in installments. Comparing processors for the same payment? Our PayPal fee calculator and Square fee calculator use the same layout.
Subscriptions, invoices, Stripe Tax and Radar
Stripe’s other products charge on top of the payment fee, on the same amount:
- Billing takes 0.7% of subscription payments, renewals included. A $50 monthly plan paid by card costs $1.75 in processing plus $0.35 for Billing, $2.10 a month.
- Invoicing takes 0.4% of each paid one-off invoice on Starter, 0.5% on Plus. A $1,000 invoice paid by card costs $29.30 plus $4.00.
- Stripe Tax (no-code, in Checkout, Payment Links, Billing or Invoicing) takes 0.5% of the whole transaction, including the tax it calculates, only where you’re registered. Through the Tax API it is $0.50 per transaction instead.
- Radar Lite is free for card payments. Radar Standard costs $0.05 per screened payment, Plus $0.07 and Pro $0.09. If your account used Radar before July 29, 2026, you are on a free Radar Standard trial that ends on January 22, 2027. After that every screened payment, subscription renewals included, is billed unless you switch to Radar Lite. On a $10 subscription with Billing, those 5¢ take the fees from $0.66 to $0.71.
Stripe fees outside the US
Stripe prices by the country of your account. A payment of 100 in the local currency with a domestic personal card:
| Market | Sale | Fees | You keep |
|---|---|---|---|
| 🇺🇸 United States | $100.00 | $3.20 3.20% | $96.80 |
| 🇬🇧 United Kingdom | £100.00 | £1.70 1.70% | £98.30 |
| 🇨🇦 Canada | CA$100.00 | CA$3.20 3.20% | CA$96.80 |
| 🇦🇺 Australia | A$100.00 | A$1.95 1.95% | A$98.05 |
| 🇩🇪 Germany | 100,00 € | 1,75 € 1.75% | 98,25 € |
- UK and German accounts pay 1.5% + 20p (or + €0.25 in Germany, and Ireland’s page lists the same) for personal cards but 2.8% for business, corporate and commercial Visa and Mastercard cards; American Express counts as personal. During summer 2026 Stripe’s pages moved business cards from 1.9% to 2.8% and international cards from 3.25% to 3.15%, without announcing when existing accounts switch.
- Canada charges 2.9% + C$0.30 like the US, but an international card adds 0.8% rather than 1.5%.
- Australia cut domestic cards to 1.65% + A$0.30 on October 1, 2026, and international cards drop from 3.5% to 2.8% on April 1, 2027. Australian fees include GST.
- Currency conversion costs 2% in every country here except the US, where it is 1%.
Ways to keep more of each payment
- Send a Payment Link or invoice instead of typing in a card. Keyed cards cost 3.4% + 30¢; a Payment Link costs 2.9% + 30¢ and a hosted invoice 3.3% + 30¢.
- Offer ACH Direct Debit for large payments. With the $5.00 cap, a $1,000 invoice costs $24.30 less than by card.
- Price in your payout currency when you can. The conversion fee only applies when the customer pays in another currency.
- Stay on Radar Lite if it covers you. Switching is one click in the Dashboard and avoids a fee on every payment from January 22, 2027.
- Use standard payouts. They are free; instantly paying out the $96.80 from a $100 payment costs $1.45.
- Pass fees on with the right formula. To receive $100 on a US card, charge $103.30, not $103.20: adding 2.9% + 30¢ on top leaves you $99.91. Check card network and local rules on surcharges first.
Recent Stripe fee changes
- April 1, 2027UpcomingAustralia: international card fees drop from 3.5% to 2.8% (+ A$0.30 online, + A$0.10 in person).source
- January 22, 2027UpcomingNew Radar prices apply to accounts that used Radar before July 29, 2026: the free Radar Standard trial ends and each screened payment costs $0.05 in the US (£0.04 UK, CA$0.07, A$0.08, €0.05); former Radar for Fraud Teams accounts pay the Radar Plus price ($0.07 in the US). Renewals and every payment method are screened and billed. Switching to Radar Lite keeps fraud screening for cards free.source
- October 21, 2026Radar now screens payments by every method (bank debits, wallets, buy now pay later, stablecoins), not only cards, ACH and SEPA Direct Debit.source
- October 1, 2026Australia: domestic card fees cut from 1.70% to 1.65% + A$0.30 online (in person 1.70% → 1.65% + A$0.10).source
- August 3, 2026UK and EEA: by this date Stripe’s pricing pages listed premium (business) cards at 2.8% (was 1.9%) and international cards at 3.15% (was 3.25%). Stripe hasn’t published the date existing accounts move to the new rates.source
- July 29, 2026Radar split into Lite (free, cards only), Standard, Plus and Pro. Accounts already using Radar got a free Radar Standard trial until January 22, 2027; Radar for Fraud Teams accounts moved to Radar Plus.source
- June 17, 2025New dispute countered fee: $15 in the US (£20 UK, CA$15, A$25, €20) when you respond to a dispute, returned if you win. The $15 dispute fee itself didn’t change.source
- July 10, 2024Stripe Billing became one plan at 0.7% of Billing volume, replacing Starter (0.5%) and Scale (0.8%).source
We re-check Stripe’s pricing pages every day and update this calculator when they change. If your balance shows something different, use the “Something’s off” button under the result.