Stripe Fee Calculator
Estimate Stripe processing fees instantly. Includes the standard 2.9% + $0.30 per transaction.
Stripe Fee
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How Stripe Fees Work in 2026
Stripe charges 2.9% + $0.30 per successful card charge for US-issued cards. The fee is automatically deducted before your payout — you don't pay a separate invoice. For manually entered cards (keyed-in rather than swiped/tapped), the rate is 3.4% + $0.30. International cards add a 1.5% fee on top of the standard rate.
Unlike PayPal, Stripe has no monthly fees, no minimum volume requirements, and no setup costs. You only pay when you process a transaction. Stripe also offers volume discounts for businesses processing over $80,000/month — contact Stripe sales for custom pricing.
Stripe vs PayPal: Which Has Lower Fees?
Both platforms charge 2.9% + $0.30 for standard card transactions, so at identical volumes the fee is the same. The difference appears in edge cases: Stripe charges 1.5% extra for international cards, while PayPal charges a currency conversion spread of 3-4%. For a US business selling primarily to US customers, fees are virtually identical. See the full comparison →
Stripe's Refund Policy on Fees
When you issue a refund, Stripe returns the original transaction amount to the customer but does not refund the processing fee. A $100 refund still costs you $3.20 in lost fees. For businesses with high refund rates, factor this into your pricing model. Stripe charges an additional $15 dispute fee if a chargeback is filed, though this is waived if you win the dispute.
Frequently Asked Questions
What is Stripe's fee per transaction?
Stripe's standard rate is 2.9% + $0.30 per successful card charge in the US. Manually entered cards are 3.4% + $0.30. International cards add 1.5%. There are no monthly fees or minimums.
Does Stripe refund fees when I issue a refund?
No. When you refund a transaction, Stripe returns the original amount to the customer but does not refund the processing fee. The fee is permanently lost on refunded transactions.
How do Stripe fees compare to Square?
Both charge 2.9% + $0.30 for online card transactions. Square is generally more competitive for in-person payments (2.6% + $0.10 per swipe). For online-only businesses, fees are essentially identical.
Can I pass Stripe fees to my customers?
You can't add a fee at the Stripe level, but you can build it into your pricing. Many SaaS and service businesses add 3% to invoices for card payments, or offer a discount for bank transfer payments.