What is Stripe's standard fee?

Stripe charges 2.9% + $0.30 per successful card charge for domestic transactions. International cards add 1%, and currency conversion adds another 1%, making the maximum rate 4.9% + $0.30 for international transactions with conversion.

Does Stripe charge for failed transactions?

No. Stripe only charges fees on successful transactions. Failed or declined transactions do not incur a fee. However, disputes (chargebacks) incur a $15 fee regardless of outcome.

Does Stripe refund fees when I issue a refund?

Stripe does not refund the processing fee when you issue a refund to a customer. If you refund a $100 charge, you lose the $3.20 in fees. This makes refund rates an important factor in your cost calculations.

How does Stripe compare to PayPal?

Stripe's 2.9% + $0.30 is very similar to PayPal's 2.99% + $0.49 for most online transactions. Stripe is slightly cheaper per transaction due to its lower fixed fee. Stripe offers better developer tools, while PayPal has stronger buyer recognition.

Can I pass Stripe fees to the customer?

In most jurisdictions, you can add a surcharge to cover processing fees, though some states and countries prohibit credit card surcharges. Check local regulations. An alternative is to offer a cash/ACH discount instead of a card surcharge.

What is Stripe's volume discount?

Stripe offers custom pricing for businesses processing over $80,000/month, typically 2.7% + $0.15 or lower. Enterprise-level volumes can negotiate further. Contact Stripe's sales team for a custom quote.

Stripe Fee Calculator

Calculate Stripe processing fees: 2.9% + $0.30 domestic, plus 1% international and 1% currency conversion surcharges. See net amount received.

Transaction Amount

International Card?

Currency Conversion?

Stripe Fee

$3.20

2.9% + $0.30

You Receive

$96.80

After Stripe fee

Effective Rate

3.20%

Total fee / amount

Charge for Net

$103.30

To receive $100.00 net

Planning notes, formulas, and examples

About the Stripe Fee Calculator

Stripe is one of the most popular payment processors for online businesses. Its standard fee is 2.9% + $0.30 per successful domestic card charge. International cards add an additional 1% surcharge, and if currency conversion is required, another 1% is added on top.

For a domestic transaction, the effective rate depends on the transaction amount — the fixed $0.30 component has a larger impact on small transactions. A $10 charge has an effective rate of 5.9%, while a $100 charge has an effective rate of 3.2%.

This calculator computes the exact Stripe fee for any transaction amount, including international and currency conversion surcharges. It also shows you the amount you need to charge to receive a specific net amount after fees.

When This Page Helps

Knowing your exact Stripe fee per transaction helps you price products correctly, decide on minimum order amounts, and compare Stripe against other payment processors. The calculator handles the math for international and conversion fees, which many sellers forget to include.

How to Use the Inputs

Enter the transaction amount.
Select whether the card is domestic or international.
Select whether currency conversion is needed.
View the fee amount and net received.
Use the reverse calculator to find the charge amount needed for a target net.

Formula used

Stripe Fee = Amount × 2.9% + $0.30
International Surcharge = Amount × 1% (if applicable)
Conversion Fee = Amount × 1% (if applicable)
Total Fee = Base Fee + International + Conversion
Net Received = Amount − Total Fee

Example Calculation

Result: Fee: $3.20 | Net: $96.80

A $100 domestic transaction: Fee = $100 × 2.9% + $0.30 = $2.90 + $0.30 = $3.20. Net received: $100 − $3.20 = $96.80. The effective rate is 3.2%. For an international card with conversion: $100 × 4.9% + $0.30 = $5.20.

Tips & Best Practices

Set a minimum order amount to offset the $0.30 fixed fee — the effective rate spikes below $10.
Use Stripe's volume pricing if you process more than $80,000/month for a reduced rate of 2.7% + $0.15.
For subscription businesses, Stripe's recurring billing fee is the same per-charge rate.
International fees add up quickly — consider using local acquiring to avoid the 1% surcharge.
Stripe refunds return the percentage fee but keep the $0.30 fixed fee.
Compare Stripe's effective rate against alternatives like PayPal, Square, and Adyen for your volume.

Stripe Pricing Tiers

Stripe's standard rate of 2.9% + $0.30 applies to most online businesses. High-volume merchants ($80K+/month) can access reduced rates. Stripe also offers special pricing for nonprofits, platforms using Stripe Connect, and enterprises. ACH bank transfers are priced at 0.8% capped at $5, which is significantly cheaper for larger transactions.

The Impact of the Fixed Fee

The $0.30 fixed fee per transaction disproportionately affects low-value transactions. A $5 transaction costs $0.45 in fees (9% effective rate), while a $500 transaction costs $14.80 (2.96% effective rate). Businesses with low average order values should consider minimum order amounts or bundling small transactions.

International Payment Considerations

Selling internationally on Stripe means potentially paying up to 4.9% + $0.30 per transaction. To minimize international fees, consider using Stripe Atlas to set up local entities in key markets, which converts international transactions to domestic ones for fee purposes.

Sources & Methodology

Last updated: February 8, 2026

Frequently Asked Questions

Stripe charges 2.9% + $0.30 per successful card charge for domestic transactions. International cards add 1%, and currency conversion adds another 1%, making the maximum rate 4.9% + $0.30 for international transactions with conversion.