See exactly what Stripe takes from every sale — online, in-person, international & ACH.
Want to receive exactly $X after Stripe's cut? Enter your target:
| Payment type | Fee |
|---|---|
| Online card (domestic) | 2.9% + $0.30 |
| In-person (Stripe Terminal) | 2.7% + $0.05 |
| International card (online) | 4.4% + $0.30 (2.9% + 1.5% surcharge) |
| + Currency conversion | +1% on top (up to 5.4% + $0.30) |
| ACH Direct Debit | 0.8%, capped at $5 |
| Apple Pay / Google Pay | Same as online card |
| Dispute / chargeback | $15 per dispute |
| Refunds | No extra fee — but original fee is not returned |
Rates verified October 4, 2026 from WeAreFounders, GlobalFeeCalculator and DirectPayNet (all citing stripe.com/pricing). Always confirm on Stripe's official pricing page — rates can change.
2.9% + $0.30 for a standard US online card payment. On a $100 sale that's $3.20 in fees and $96.80 in your pocket. There are no monthly or setup fees on the standard plan — you only pay per transaction.
Stripe adds a 1.5% cross-border surcharge when the card was issued outside the US, making it 4.4% + $0.30. If currency conversion is also needed, add another 1% — up to 5.4% + $0.30 total. International sales cost nearly double the domestic rate.
Much cheaper for larger amounts: 0.8% capped at $5. A $1,000 card payment costs $29.30 in fees; via ACH it's just $5. For B2B invoices and large transfers, ACH is the clear winner.
No — this is the painful one. Stripe charges no extra fee to issue a refund, but the original processing fee is not returned. Refunding a $100 sale costs you the $3.20 fee permanently.
Stripe wins: 2.9% + $0.30 vs PayPal's 3.49% + $0.49. On a $100 online sale, Stripe costs $3.20 while PayPal costs $3.98 — a $0.78 difference that adds up fast at volume. Try our PayPal fee calculator to compare.