Stripe Fee Calculator 2026 — 2.9% + 30¢, International & Currency Fees

Stripe Fee Calculator

Calculate the Stripe fee and your payout for any amount, including international cards and currency conversion — or find the amount to charge so you receive exactly what you need.

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Rates verified September 24, 2026

Stripe US pricing used in this calculator

Payment	Rate
Online card payment, domestic card	2.9% + 30¢
Card issued outside the US	+1.5%
Currency conversion	+1%
Manually entered card	+0.5% (3.4% + 30¢)
ACH Direct Debit	0.8%, max $5
Dispute	$15 (+$15 if countered, refunded if won)

Source: stripe.com/pricing, checked on the date at the top of this page. Volume and custom (IC+) pricing is available for larger businesses and will differ.

How surcharges stack

A US store charging a European customer in euros pays 2.9% + 1.5% + 1% = 5.4% + 30¢. On a €100 order that is about €5.70 instead of €3.20. Tick the international and conversion boxes above to see it.

Formulas

Fee = amount × rate + $0.30
Payout = amount − fee
Charge needed to net X = (X + 0.30) ÷ (1 − rate)

Ways to lower Stripe costs

Raise the average order value. The 30¢ fixed fee is 6% of a $5 order but 0.3% of a $100 one.
Offer ACH for large B2B invoices — capped at $5.
Price in the customer’s currency with a local account where you have enough volume, to avoid conversion fees.
Ask for custom pricing once you process significant monthly volume.

Compare with PayPal, WooPayments and Square in the table under the calculator, or read the PayPal fee calculator.

Questions

What are Stripe’s fees in the US?

Standard pricing is 2.9% + 30¢ per successful online card payment with domestic cards. Cards issued outside the US add 1.5%, currency conversion adds 1%, and manually entered cards add 0.5%. ACH Direct Debit is 0.8% capped at $5. There are no setup or monthly fees on standard pricing.

How do I calculate the amount to charge to cover Stripe fees?

Charge = (amount you want + $0.30) ÷ (1 − 0.029). To receive $100: 100.30 ÷ 0.971 = $103.30.

Does Stripe refund fees on refunds?

Stripe generally does not return the processing fee when you refund a payment. Check your dashboard for the current policy on your account.

What does a Stripe dispute cost?

A $15 fee when a dispute is opened, plus another $15 if you counter it, which is returned if you win.

Is WooPayments cheaper than Stripe?

For US cards the standard rates are the same: 2.9% + 30¢, +1.5% for international cards and +1% for currency conversion. The difference is in features and where you manage payments (inside WooCommerce vs the Stripe dashboard).