Stripe fee calculator
What Stripe's published US pricing takes from a charge online, in person or by bank debit, with the additions for manually entered and international cards.
$96.80reaches your balance
$3.20Stripe fee (3.2% of the charge)
A $100.00 online charge on a US card costs $3.20 at Stripe's published rate, and $96.80 reaches your balance.
- 2.9% × $100.00 = $2.90
- Per transaction: $0.30
- Fee, rounded to the cent: $3.20
What decided this: the channel. Online charges pay 2.9% + 30¢; card-present charges on a Terminal reader pay less.
Where the numbers come from
- Rates
- Stripe pricing, read 2026-09-13: 2.9% + 30¢ online, 2.7% + 5¢ on Terminal, $0.10 more per Tap to Pay authorization, 0.5% for manually entered cards, 1.5% for international cards, 1% when currency conversion is required, and ACH Direct Debit at 0.8% capped at $5.00.
- Checked
- The rate text is re-read from Stripe's pricing page before publishing, and the arithmetic is run against worked cases, including the ACH cap.
- Rounding
- Not published by Stripe. Stated on the page as an assumption; no fixture sits on a half cent.
Not affiliated with or endorsed by Stripe. Stripe is a trademark of Stripe, Inc., named here only to identify the fees being calculated.
What this does not decide
- Custom or volume pricing agreed with Stripe.
- Dispute fees of $15.00, and $15.00 more to counter one.
- Instant Payouts, Invoicing, Billing and Tax, priced separately.