This Stripe fee calculator shows what Stripe takes from a card payment, what you keep, and how much to charge to receive an exact amount after fees. It uses Stripe’s standard US pricing for 2026, including the extra charges for international cards, currency conversion and manually entered cards.
Stripe Fees In 2026
| Payment Type (US) | Fee |
|---|---|
| Online cards and digital wallets | 2.9% + $0.30 |
| Manually entered cards | Add 0.5% |
| In-person payments (Stripe Terminal) | 2.7% + $0.05 |
| International cards | Add 1.5% |
| Currency conversion | Add 1% |
These are Stripe’s standard published rates for US accounts, from Stripe’s pricing page. Businesses with high volume can ask Stripe for custom pricing.
How The Stripe Fee Is Calculated
Stripe charges a percentage of each successful charge plus a fixed fee: fee = amount x rate + fixed fee. A $100 online card payment costs $2.90 + $0.30 = $3.20, so you receive $96.80. If the card was issued outside the US, the rate rises to 4.4% and the fee becomes $4.70.
To receive an exact amount, use charge = (target + fixed fee) / (1 – rate). To net $100 from a domestic online card, charge $103.30.
Frequently Asked Questions
Does Stripe charge a monthly fee?
Not on standard pricing. You pay only per successful charge. Optional products such as Billing, Tax, Radar for Fraud Teams and Instant Payouts carry their own fees.
Does Stripe return fees on refunds?
Stripe does not return the processing fee on refunded payments, so a refunded $100 charge still costs you the original $3.20.
Is Stripe cheaper than PayPal?
For most online card payments, yes. Stripe’s 2.9% + $0.30 is lower than PayPal Checkout’s 3.49% + $0.49. Run the same amount through our PayPal fee calculator to compare.
