Payment Amount ($)

Card Type

Currency Conversion Required?

💳 Standard Online Payments: 2.9% + $0.30

For standard online card transactions and digital wallet payments (Apple Pay, Google Pay), Stripe charges 2.9% + $0.30 per successful transaction. Formula:

Transaction Fee = (Amount × 0.029) + $0.30

🌍 International Cards: 3.9% + $0.30

Stripe charges an additional 1% for international cards (cards issued outside your country), making the total 3.9% + $0.30. Formula:

International Fee = (Amount × 0.039) + $0.30

💱 Currency Conversion: +1%

When a transaction requires currency conversion, Stripe adds a 1% conversion fee on top of other fees. Formula:

Conversion Fee = Amount × 0.01

🏪 In-Person Payments: 2.7% + $0.05

Stripe Terminal for in-person card payments charges 2.7% + $0.05 per transaction. Tap to Pay on iPhone charges $0.10 per authorization. Card readers range from $59 to $249.

Transaction Fee:

Transaction Fee = (Amount × Rate) + $0.30

Total Fees:

Total Fees = Transaction Fee + Conversion Fee

Net Payout:

Net Payout = Payment Amount − Total Fees

Effective Fee Rate:

Effective Rate = (Total Fees / Amount) × 100

💳 $100 Domestic Card

🌍 $100 International

💱 $100 + Conversion

Service	Fee
ACH Direct Debit	0.8% ($5 max)
ACH Credit Transfer	$1.00
Wire Transfer	$8.00
Instant Payout	1% ($0.50 min)
Dispute (Chargeback)	$15.00
Radar for Fraud Detection	$0.05 per transaction

What are Stripe's payment processing fees?

Stripe charges 2.9% + $0.30 for standard online card transactions in the US. International cards incur 3.9% + $0.30 (includes 1% international card fee). Currency conversion adds another 1% fee. In-person payments via Stripe Terminal cost 2.7% + $0.05. ACH transfers are 0.8% capped at $5. There are no setup fees, monthly fees, or hidden charges. Stripe automatically deducts fees before depositing funds to your bank account.

How much does Stripe take from a $100 payment?

For a $100 domestic card payment, Stripe takes $3.20: ($100 × 0.029) + $0.30 = $3.20. You receive $96.80 net (effective rate 3.2%). For international cards, the fee is $4.20 ($100 × 0.039 + $0.30), leaving $95.80 (4.2% effective rate). If currency conversion is needed, add 1% ($1.00), making total fees $5.20 and net payout $94.80 (5.2% effective rate).

What is Stripe's international card fee?

Stripe charges an additional 1% for international card transactions, making the total 3.9% + $0.30 (2.9% base + 1% international + $0.30 fixed). Formula: International Fee = (Amount × 0.039) + $0.30. This applies when the card is issued outside your country. For a $50 transaction, the fee is $2.25 ($50 × 0.039 + $0.30). International cards help Stripe cover cross-border processing costs.

Does Stripe charge for currency conversion?

Yes, Stripe charges 1% for currency conversion when a transaction requires converting from one currency to another. Formula: Conversion Fee = Amount × 0.01. For a $200 transaction requiring conversion, the fee is $2.00. This fee is in addition to the standard transaction fee and any international card fees. The 1% conversion fee applies whether you're the merchant or customer initiating the currency exchange.

How do I calculate my net payout from Stripe?

To calculate Stripe net payout: Transaction Fee = (Amount × Rate) + $0.30, International Fee = Amount × 0.01 (if applicable), Currency Conversion = Amount × 0.01 (if applicable), Total Fees = sum of all fees, Net Payout = Payment Amount - Total Fees. Stripe automatically deducts fees before depositing to your bank. Check your Stripe Dashboard or Balance Report for exact fee breakdowns. Use our calculator above for quick estimates.