Stripe fee calculator: what are Stripe's fees?
Stripe keeps a percentage of every payment plus a small fixed fee, set by how the buyer pays and where their card is from. Type a payment to see the fee, or flip it to see what to charge so the customer pays it.
Stripe keeps a percentage of each payment plus a fixed fee, set by how the buyer pays. Type a payment to see the fee and what you receive, or flip it to pass the fee on.
You receive, online card or wallet
$96.80
Stripe keeps $3.20 of $100.00, 3.2% of the payment. Example payment; type yours or drag the chart.
Fee on $100.00, every way to get paid with Stripe. Click one to make it yours.
The faint line is Square Free's online rate, 3.3% + 30¢, for scale: $3.60 on this payment.
- Stripe fee
- $3.20
- Effective rate The fee as a share of the payment, fixed fee included. It's higher on small payments, where the fixed fee weighs more.
- 3.2%
- Rate
- 2.9% + 30¢
- Buyer pays
- $100.00
Stripe's standard US pricing: no monthly fee, and disputes cost $15 each.
Stripe’s published rates for US accounts. Other countries’ accounts, and businesses on custom pricing, pay their own.
How to read your number
The Stripe fee is what Stripe keeps from a successful payment: 2.9% + 30¢ for an online payment with a US card. A $100 payment costs $3.20, and you receive $96.80. A card issued outside the US adds 1.5% ($4.70), and a currency conversion adds 1% more ($5.70). To receive a full $100, charge $103.30.
Why it matters
Stripe's fee comes out of every sale before anything else, so it's a fixed cut of your margin. On 500 orders of $100 a month, 2.9% + 30¢ costs $1,600. The fixed 30¢ weighs most on small orders: a $10 payment pays $0.59, almost 6%. Knowing the fee by payment type shows which ones to steer buyers toward, and what to charge when the customer pays the fee.
Your own site
Take payments on your own site
Replo builds a page on your brand and takes payment with Replo checkout on Stripe, or sends buyers to your Square or PayPal link.
Formula
Stripe fee = payment × percentage rate + fixed fee. You receive = payment − Stripe fee
Online US cards and wallets are 2.9% + 30¢. A card issued outside the US adds 1.5%, a currency conversion adds 1%, and a card number typed in by hand adds 0.5%. In person, a Stripe card reader is 2.7% + 5¢, and Tap to Pay adds 10¢ per authorization. ACH Direct Debit is 0.8%, capped at $5.
Other ways to work out Stripe fees
- Fee on a payment
- fee = amount × 2.9% + $0.30
- Checking a payout or the margin on an online order paid by a US card.
- Pass the fee to the customer (reverse Stripe fee)
- charge = (amount you want + $0.30) ÷ (1 − 2.9%)
- Invoices and fixed-price sales where you need to receive an exact amount. Adding 2.9% + 30¢ to the target falls short, because Stripe charges its fee on the larger total.
- International card, converted currency
- fee = amount × (2.9% + 1.5% + 1%) + $0.30
- A buyer abroad pays with a card issued outside the US, in a currency Stripe has to convert.
- In person
- fee = amount × 2.7% + $0.05, plus $0.10 with Tap to Pay
- Payments on a Stripe card reader, or tapped on your phone with Tap to Pay.
- Bank debit
- fee = min(amount × 0.8%, $5)
- ACH Direct Debit from a US bank account. From $625 up, the fee stays at $5.
How to calculate Stripe fees: a worked example
A US store takes a $100 online payment from a buyer with a US card, then works out what to charge so it receives a full $100.
- Percentage fee = $100 × 2.9% = $2.90
- Stripe fee = $2.90 + $0.30 = $3.20
- You receive $100 − $3.20 = $96.80
- With a card issued abroad: $100 × 4.4% + $0.30 = $4.70
- To receive $100: ($100 + $0.30) ÷ (1 − 0.029) = $103.30
Stripe keeps $3.20 of a $100 payment. To pass the fee to the customer and receive a full $100, the store charges $103.30.
How to pay less in Stripe fees
Take large payments by bank. ACH Direct Debit is 0.8% capped at $5, so a $2,000 invoice costs $5 instead of $58.30 by card.
Let buyers type their own card. A card number you type in for the buyer costs 0.5% more than one they enter at checkout. Send a payment link instead of taking card details over the phone.
Price foreign sales for the surcharge. A card issued abroad adds 1.5%, and a currency conversion 1% more: $5.70 on $100 instead of $3.20. Build it into prices for those markets.
Compare before you choose. The payment processing fee calculator puts Stripe next to Shopify Payments and PayPal, and the Square and PayPal fee calculators show every rate on those.
| How the buyer pays | Stripe's rate | Fee on $100 | You receive |
|---|---|---|---|
| Online card or wallet | 2.9% + 30¢ | $3.20 | $96.80 |
| Manually entered card | 2.9% + 30¢, plus 0.5% for a typed-in card | $3.70 | $96.30 |
| In person, card reader | 2.7% + 5¢ | $2.75 | $97.25 |
| In person, Tap to Pay on a phone | 2.7% + 5¢, plus 10¢ per Tap to Pay authorization | $2.85 | $97.15 |
| Klarna (pay later) | 5.99% + 30¢ | $6.29 | $93.71 |
| ACH Direct Debit | 0.8%, max $5 | $0.80 | $99.20 |
| Online card issued outside the US | 4.4% + 30¢ | $4.70 | $95.30 |
| Online card abroad, converted currency | 5.4% + 30¢ | $5.70 | $94.30 |
Take Stripe payments on your own site
Replo checkout runs on Stripe. Replo sets up a Stripe Express account for you, buyers pay by card, Apple Pay or Google Pay on your own site, and you pay Stripe's standard 2.9% + 30¢ with no Replo cut on top. A $100 sale keeps $96.80, the same as Stripe on its own.
It has limits today. Replo checkout takes one-time prices in US dollars, for digital products and simple items. For sizes and colors, subscriptions or a full catalog, Replo connects your Shopify store and sells through its checkout. For recurring billing, Replo builds the page and points its buy buttons at a Stripe payment link.
Selling on a marketplace instead? The eBay and Etsy fee calculators show what each one keeps from the same sale, next to your own store.
Questions about Stripe fees
- What are Stripe's fees?
- For a US account, 2.9% + 30¢ per successful online payment with a US card. A card issued abroad adds 1.5%, a currency conversion 1% and a typed-in card 0.5%. In person it's 2.7% + 5¢. There's no monthly fee, and each dispute costs $15.
- How much does Stripe take from $100?
- $3.20 for an online payment with a US card, so you receive $96.80. With a card issued abroad it's $4.70, and $5.70 if the currency is converted too. In person on a Stripe card reader, it's $2.75.
- How do I pass Stripe fees to the customer?
- Add the 30¢ fixed fee to the amount you want, then divide by 1 minus 2.9%. To receive $100: ($100 + $0.30) ÷ 0.971 = $103.30. Card network rules allow a surcharge on credit cards in most US states, up to 3% and no more than your cost, but not on debit cards.
- Does Stripe charge a monthly fee?
- No, not on standard pricing: you pay per successful payment. Some add-ons cost extra. Stripe Billing, for subscriptions, is 0.7% of billing volume; Stripe Tax is 0.5% per transaction where you're registered; and Instant Payouts are 1.5%, at least 50¢.
- Is Stripe cheaper than Square?
- Online, Stripe matches Square's paid plans and beats Square Free: 2.9% + 30¢ against 3.3% + 30¢, so $3.20 against $3.60 on $100. In person on $100, Stripe's 2.7% + 5¢ and Square Free's 2.6% + 15¢ both cost $2.75.
- Is Stripe cheaper than PayPal?
- Yes, for most online payments: 2.9% + 30¢ against PayPal Checkout's 3.49% + 49¢, so $3.20 against $3.98 on $100. The PayPal fee calculator shows every PayPal rate.
Sources
Do it with Replo
Sell on your own site with Stripe
Replo builds a sales page on your brand and takes payment with Replo checkout on Stripe: Stripe's fee, and no cut for Replo.
Prompt: “build a sales page for my product with replo checkout”
