Stripe Fee Overview
Stripe’s fees vary based on country, payment method, and whether the card is international. As one of the world’s most popular online payment platforms, Stripe uses a transparent per-transaction pricing model with no monthly or setup fees.
💳 1. US Standard Online Payment Rates (Most Common)
Online Credit Card Payments (Card-not-present)
👉 2.9% + $0.30 per successful transaction
This is Stripe’s most common standard rate in the US, applicable to most online payment scenarios, including independent stores, SaaS subscriptions, and e-commerce websites.
Fee Calculation Example
Customer pays $100:
- Fee = 2.9% × $100 + $0.30 = $2.90 + $0.30 = $3.20
- You receive ≈ $96.80
Fee Reference by Amount
| Payment Amount | Fee | You Receive | Effective Rate |
|---|---|---|---|
| $10 | $0.59 | $9.41 | 5.9% |
| $50 | $1.75 | $48.25 | 3.5% |
| $100 | $3.20 | $96.80 | 3.2% |
| $500 | $14.80 | $485.20 | 2.96% |
| $1,000 | $29.30 | $970.70 | 2.93% |
💡 Tip: The higher the amount, the lower the impact of the $0.30 fixed fee, bringing the effective rate closer to 2.9%.
🌍 2. International Card Surcharges
If customers use cards issued outside your country, Stripe charges additional fees:
- International card surcharge: +1.5%
- Currency conversion fee: +1% (if currency conversion is involved)
International Card Fee Example
Customer pays $100 with an international card:
- Standard rate: 2.9% + International card: +1.5% + Currency conversion: +1% + Fixed: $0.30
- Total fee = 5.4% + $0.30 ≈ $5.70
- You receive ≈ $94.30
For cross-border e-commerce merchants, this is particularly important to consider.
🏪 3. In-Person POS Payments
Using Stripe Terminal for in-person card payments:
👉 ~2.7% + $0.05 per transaction
In-person rates are lower because face-to-face transactions carry less risk.
🌐 4. Stripe Rates by Region
| Region | Standard Rate | International Surcharge |
|---|---|---|
| 🇺🇸 US | 2.9% + $0.30 | +1.5% |
| 🇬🇧 UK | 1.4% + £0.20 (EU cards) / 2.9% + £0.20 (non-EU) | +2% |
| 🇪🇺 Europe | 1.4% + €0.25 (EU cards) / 2.9% + €0.25 (non-EU) | +2% |
| 🇯🇵 Japan | 3.6% | +2% |
| 🇸🇬 Singapore | 3.4% + S$0.50 | +2% |
| 🇦🇺 Australia | 1.7% + A$0.30 (domestic) / 3.5% + A$0.30 (international) | Included |
⚠️ 5. Other Possible Fees
Chargeback Fees
- Per chargeback: $15 (US)
- Refunded if dispute is won
- Use Stripe’s Radar to reduce chargebacks
Stripe Radar Anti-Fraud
- Radar Basic: Free (included in standard pricing)
- Radar for Fraud Teams: +$0.07 per transaction
Stripe Connect (Split Payments)
- Per transfer: $0.25 (US)
Subscription / Billing
- Starter: +0.5% per recurring payment
- Scale: +0.8% per recurring payment (includes revenue recovery, analytics)
Other Fees
- Instant Payouts: 1% (min $0.50)
- Stripe Tax: $0.50 per taxed transaction
- Stripe Identity: $1.50 per verification
📌 6. Quick Reference Fee Summary
| Scenario | Fee |
|---|---|
| US online payments | 2.9% + $0.30 |
| International card surcharge | +1.5% |
| Currency conversion | +1% |
| In-person POS | 2.7% + $0.05 |
| Chargeback fee | $15 each |
| Radar advanced | +$0.07/txn |
| Billing (Starter) | +0.5%/txn |
| Instant Payouts | 1% (min $0.50) |
How to Reduce Stripe Fees?
- Volume discounts: Contact Stripe for custom rates if monthly volume exceeds $80,000
- Reduce international card transactions: Use regional Stripe accounts to process local transactions
- Use Radar: Reduce chargebacks and avoid $15 dispute fees
- Choose the right Billing plan: Select Starter or Scale based on your needs
If you are looking for KYC-verified Stripe accounts, Sell4Service offers multiple options: UK Personal Stripe Account (face-verified, ready to use), UK Business Stripe Account (corporate settlement, API integration), European Stripe Account (multi-currency support), and US Stripe Account (competitive rates for independent stores).
FAQ
Q: Does Stripe have monthly fees?
A: No. Stripe charges no monthly, annual, or setup fees – only per-transaction fees.
Q: Are fees refunded on refunds?
A: The refund amount goes back to the customer, but Stripe does not refund the original transaction fee.
Q: How often does Stripe pay out?
A: Standard US payout schedule is 2 business days (T+2). Instant Payouts are available for an additional 1% fee.
Q: How to get lower rates?
A: Merchants processing over $80,000/month can contact Stripe’s sales team for enterprise pricing.
Q: How does Stripe compare to PayPal?
A: Stripe’s standard rate (2.9% + $0.30) is similar to PayPal. However, Stripe offers superior API flexibility, developer tools, and subscription management.