# Stripe fee calculator

https://salesbond.app/tools/stripe-fee-calculator/
Updated: 2026-11-05

# Stripe Fee Calculator

Stripe charges US businesses 2.9% plus 30 cents per successful online card payment, 1.5% more for international cards and 1% more for currency conversion. On 100 dollars you receive 96.80 dollars. ACH Direct Debit costs 0.8%, capped at 5 dollars. Enter an amount to see the fee or what to charge.

Choose the payment method and tick what applies to the card. Switch to “I want to receive” to find the charge that covers the Stripe fee. Rates are Stripe’s standard US pricing, checked against Stripe’s pricing page.

## Stripe fees in the US

| Payment method | Fee | On $100 |
| --- | --- | --- |
| Online cards and wallets | 2.9% + 30¢ | $3.20 |
| International card, with conversion | 5.4% + 30¢ | $5.70 |
| In-person cards (Terminal) | 2.7% + 5¢ | $2.75 |
| ACH Direct Debit | 0.8%, $5 cap | $0.80 |
| Instant bank payments | 2.6% + 30¢ | $2.90 |
| Klarna | 5.99% + 30¢ | $6.29 |

## Stripe fee formula

Stripe fee = payment × (base rate + add-ons) + fixed fee, never more than the cap where there is one. You receive the payment minus the fee. To receive a set amount, charge (amount + fixed fee) ÷ (1 − rate), rounded up to the cent: for 100 dollars at 2.9% + 30 cents that is 103.30 dollars.

## How to pay less in Stripe fees

Offer ACH Direct Debit or instant bank payments for invoices and large orders, price in the customer’s currency to avoid the 1% conversion fee, and avoid keying in cards by hand. Above a few hundred thousand dollars a year, ask Stripe about custom pricing.

## Frequently asked questions

### How much does Stripe charge per transaction?

In the US Stripe charges 2.9% plus 30 cents for each successful online card payment. On a 100 dollar payment the fee is 3.20 dollars and you receive 96.80 dollars. There is no monthly fee on standard pricing; you pay only when a payment succeeds.

### What does Stripe charge for international cards?

Stripe adds 1.5% for international cards and 1% more if the payment needs a currency conversion. A 100 dollar payment from a foreign card in another currency costs 5.4% plus 30 cents, which is 5.70 dollars. Manually entered cards add another 0.5%.

### How much is the Stripe ACH fee?

ACH Direct Debit costs 0.8% of the payment, capped at 5 dollars. Any payment of 625 dollars or more pays the 5 dollar maximum, which makes ACH the cheapest way to collect large invoices through Stripe.

### What are Stripe’s in-person (Terminal) fees?

Card payments taken in person on a Stripe Terminal reader cost 2.7% plus 5 cents, plus 1.5% for international cards. Tap to Pay on a phone adds 10 cents per authorization.

### How much should I charge to cover Stripe fees?

Choose “I want to receive” and enter the amount you need. The calculator finds the smallest charge that leaves you that amount after the percentage and the fixed fee: to receive 100 dollars from an online card payment, charge 103.30 dollars.

### Does Stripe charge for disputes and refunds?

A dispute (chargeback) costs 15 dollars, and countering it another 15 dollars, which you get back if you win. Stripe does not return its processing fee when you refund a payment, so count it as a cost of every refunded order.

Related tools: [PayPal fee calculator](https://salesbond.app/tools/paypal-fee-calculator/), [invoice generator](https://salesbond.app/tools/invoice-generator/), [margin calculator](https://salesbond.app/tools/margin-calculator/). More on sales and running a sales team on the [SalesBond blog](https://salesbond.app/blog/) and the [home page](https://salesbond.app/).

## Official sources

- [Stripe pricing (United States)](https://stripe.com/pricing) — card, Terminal, ACH, instant bank payment and Klarna rates, international, conversion and dispute fees.

**Updated on Nov 5, 2026.** This calculator is for information only and is not tax, legal or payroll advice. Rates are Stripe’s standard US pricing; custom pricing, other countries, Billing, Tax, Connect and Radar add-ons are not included.