Stripe card fees for 2026
Stripe fee calculator
Find Stripe's fee on any card payment, including international and currency conversion surcharges, and what to charge to receive a set amount.
Rates checked October 6, 2026
Results update as you type.
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The payment
Work out the fee, or the amount to ask for.
The payment amount, or what you want to end up with after fees.
Fee rate
Pick a rate or type your own.
Standard published rates in 2026. Your account may differ.
Switches to Custom if you type your own.
Flat amount on each payment.
International cards and currency conversion.
You receive
—
Where the payment goes
Full breakdown
Every amount for one sale, with its share of the total.
| Item | Amount | Share |
|---|
Stripe fees in 2026
| Stripe US pricing | Fee |
|---|---|
| Online cards and digital wallets | 2.9% + 30¢ |
| Manually entered cards | An extra 0.5% |
| International cards | An extra 1.5% |
| Currency conversion | An extra 1% |
| In person with Stripe Terminal | 2.7% + 5¢ |
| ACH Direct Debit | 0.8%, capped at $5 |
| Disputes | $15 per dispute |
Rates differ by country. UK accounts pay 1.5% + 20p on standard UK cards, Canada 2.9% + C$0.30 and Australia 1.7% + A$0.30, each with their own surcharges for cards from abroad.
How Stripe fees are calculated
Fee = payment × (2.9% + surcharges) + 30¢
On a $100 US card payment the fee is $3.20 and you receive $96.80. With an international card it's 4.4% + 30¢, or $4.70; if currency conversion is also needed, 5.4% + 30¢, or $5.70.
How much to charge to net a set amount
Amount to charge = (amount you want + 30¢) ÷ (1 − 2.9%)
To receive $100 from a US card, charge ($100 + $0.30) ÷ 0.971 = $103.30. Choose Amount to ask for in the calculator for any amount or rate.
Stripe vs PayPal
For standard US online payments, Stripe costs less than PayPal Checkout: $1.03 against $1.36 on a $25 payment. Many stores offer both, since some customers prefer to pay with PayPal. The PayPal fee calculator shows the other side. On Shopify, payments run through Shopify Payments, which is built on Stripe, at your plan's rate; see the Shopify fee calculator.
Frequently asked questions
How much does Stripe charge per transaction?
In the US, 2.9% + 30¢ for online card payments, plus 1.5% for international cards and 1% when currency conversion is needed.
How much is the Stripe fee on $100?
$3.20 on a US card, leaving you $96.80. With an international card it's $4.70.
How much should I charge to receive $100 with Stripe?
$103.30 for a US card payment at 2.9% + 30¢.
Does Stripe charge a monthly fee?
Not on standard pricing. You pay per successful payment, plus optional add-ons such as Billing or Tax.
Does Stripe refund fees when I refund a customer?
Stripe doesn't return the original processing fee on refunds, so a refunded sale still costs you the fee.