Not affiliated with, endorsed by or sponsored by Stripe. The name is a trademark of its owner and appears here only to identify whose published fee schedule we use.
Stripe fees in 2026
Stripe's U.S. standard pricing is pay-as-you-go: no monthly fee, a rate per successful payment, and add-ons for international cards, currency conversion and manual entry.[1]
| Item | Fee |
|---|---|
| Online cards and wallets | 2.9% + $0.30 |
| International card | +1.5% |
| Currency conversion | +1% |
| Manually entered card | +0.5% |
| In person (Terminal) | 2.7% + $0.05 |
| ACH Direct Debit | 0.8%, capped at $5 |
| Dispute | $15 per dispute, and $15 more if you contest it (refunded if you win) |
| Instant Payouts | 1.5%, minimum $0.50 |
| Stripe Invoicing | 0.4% (Starter) or 0.5% (Plus) per paid invoice |
The invoicing fee is added to the payment fee, so a card-paid invoice on Starter costs 3.3% + 30¢ in all.[2]
Cards vs ACH for large payments
ACH Direct Debit costs 0.8% and never more than $5, a cap it reaches at $625, so the larger the payment the bigger the saving over a card.
| Amount | Online card | ACH Direct Debit |
|---|---|---|
| $100 | $3.20 | $0.80 |
| $625 | $18.43 | $5.00 |
| $2,000 | $58.30 | $5.00 |
Bank debits take longer to settle than cards, which is why ACH suits invoices and retainers better than a fast checkout.
Stripe pricing outside the U.S.
| Country | Standard online card rates |
|---|---|
| United Kingdom | 1.5% + 20p standard UK cards; 2.5% + 20p EEA cards; 3.15% + 20p international |
| EU (Ireland, Germany) | 1.5% + €0.25 standard EEA cards; 2.5% + €0.25 UK cards; 3.15% + €0.25 international |
| Canada | 2.9% + C$0.30; +0.8% international |
| Australia | 1.65% + A$0.30 domestic; 3.5% + A$0.30 international (incl. GST) |
Standard domestic cards cost less in the UK, the EU and Australia than in the U.S., while cards from outside the region cost about twice as much.
Passing on Stripe fees
To receive a set amount, charge (amount + $0.30) ÷ 0.971. The calculator's What to charge mode does this with every add-on included. Freelancers who invoice clients can build the fee into their rate on the hourly rate calculator; online sellers can compare Stripe with a hosted store on the Shopify fee calculator, with PayPal and Square (side by side in Stripe vs Square fees), or with interchange-plus pricing on the credit card processing fee calculator.
Frequently asked questions
How much does Stripe charge per transaction?
In the U.S., 2.9% + 30¢ per successful online card payment, plus 1.5% for international cards and 1% if currency conversion is needed. In-person payments are 2.7% + 5¢.
What is the Stripe fee on $100?
$3.20 for a domestic card: 2.9% of $100 plus 30¢.
Does Stripe charge for failed payments?
Stripe's card rate is charged per successful transaction.
How much is Stripe ACH?
0.8% of the payment, capped at $5 per transaction.
Does Stripe charge a monthly fee?
Not on standard pricing. Optional products such as Billing and Invoicing add their own percentages.