Stripe Fees: Rates, Extras and Dispute Costs
Stripe lists pay-as-you-go pricing with no setup or monthly fees. The standard rate is a percentage plus a fixed amount per successful card payment, with extras for international cards, currency conversion and manually entered cards. This page shows the published rates, with source and check date, and a calculator for your volume.
Published rates
| What it applies to | Rate |
|---|---|
| Online card payments (domestic cards) | 2.9% + $0.30 |
| Stripe Terminal in-person (domestic cards) | 2.7% + $0.05 |
| ACH Direct Debit | 0.8% (cap $5.00) |
| Instant PayoutsPercent of instant payout volume. | 1.5% (min $0.50) |
| International cards (extra)Add-on: applies on top of the base rate. | + 1.5% |
| Currency conversion (extra)Add-on: applies on top of the base rate. | + 1% |
| Manually entered cards (extra)Add-on: applies on top of the base rate. | + 0.5% |
Other published fees
- Dispute received fee: $15.00 per dispute (network fees can also apply)
- Dispute countered fee: $15.00 per dispute you respond to manually; refunded only for won disputes
Source: Stripe (Checked 2026-10-14).
- Not verified: Effective date of the rates — Stripe does not show one.
Estimate your monthly cost
| What it applies to | Plan | Rate | Processing fees | Plan fee | Monthly total | Effective rate |
|---|
Estimate from published rates. Hardware, taxes, add-on services and negotiated pricing are not included. Effective rate = total monthly cost ÷ monthly sales.
How Stripe fees work
Online card payments: 2.9% + $0.30. In person with Stripe Terminal: 2.7% + $0.05. These are for domestic cards, and the percentages are of the payment amount.
Extras are added to the base rate: +1.5% for international cards, +1% when currency conversion is needed, and +0.5% for manually entered cards. Tap to Pay and some other items have their own per-authorization fees on Stripe's page.
Worked example: a $100 domestic online payment costs $3.20, so you keep $96.80. The same payment on an international card costs $4.70.
Bank payments: ACH Direct Debit is 0.8% with a $5.00 cap, so a $2,000 payment costs $5.00, compared with $58.30 by domestic card. Disputes cost $15.00 for each dispute received, and Stripe notes that network fees can also apply.
Ways to lower your Stripe fees
- Offer ACH Direct Debit for large invoices: the $5.00 cap makes it far cheaper than card rates on big payments.
- Avoid manually entering card numbers when you can, since that adds 0.5% on the online rate.
- Charge in the currency you settle in to avoid the 1% conversion extra.
- Reduce disputes with clear billing descriptors and fast customer service; each dispute received costs $15.00.
- Stripe's pricing page offers custom packages for some businesses; ask if your volume is high.
Related tools and guides
Frequently asked questions
What are Stripe's fees in the US?
On Stripe's pricing page, online card payments are 2.9% + $0.30 for domestic cards, with +1.5% for international cards, +1% for currency conversion and +0.5% for manually entered cards. In-person Stripe Terminal payments are 2.7% + $0.05.
Does Stripe charge a monthly fee?
Stripe's pricing page describes pay-as-you-go pricing with no setup fees, monthly fees or hidden fees for its standard plan. Some add-on products have their own pricing.
How much is a Stripe dispute fee?
The pricing page lists $15.00 for each dispute received, and another $15.00 for each dispute you respond to manually, refunded only if you win. In rare cases network fees also apply.
Is Stripe cheaper than PayPal?
Compare at your own numbers with the PayPal fee calculator and the card processing fee calculator. Rates and fixed fees differ by payment type.
How current is this?
We checked Stripe's pricing page on 2026-10-14. The page shows no effective date for its rates, so confirm on Stripe's site.
Sources
- Stripe: pricing (checked 2026-10-14)
Last updated: · Prices verified: