Stripe fee calculator
Enter an amount and see exactly what Stripe keeps: the 2.9% + $0.30 base fee, the international card surcharge, currency conversion and subscription billing, line by line.
Rates assume a US-registered account settling in USD. Any card issued outside the US counts as international.
Stripe fee breakdown
- You charge
- $100.00
- Processing fee (2.9%)
- −$2.90
- Fixed fee per transaction
- −$0.30
- Total fees
- $3.20
You receive
$96.80
Effective rate
3.2%
At 50 sales a month that is about $160 in fees a month, or $1,920 a year.
The same sale on other gateways
Standard rate for the same amount, customer location and options.
Estimates from each provider's published standard pricing for US accounts. Negotiated rates, taxes, disputes, refunds and payout fees are not included. Check the provider's own pricing page before you rely on a number.
Rates checked on 28 September 2026 against each provider's published US pricing.
Stripe fees at a glance
Standard pay-as-you-go pricing for a US account settling in USD.
| Fee | Rate |
|---|---|
| Online card payment | 2.9% + $0.30 |
| Manually entered card | 3.4% + $0.30 |
| ACH Direct Debit (US bank) | 0.8% (capped at $5.00) |
| International cards | +1.5% |
| Currency conversion | +1% |
| Subscriptions | +0.7% |
| Disputes | $15 per dispute, plus $15 if you counter it (refunded if you win) |
| Payouts to your bank | Standard payouts free; Instant Payouts 1.5% (min $0.50) |
| Stripe Tax | 0.5% of transactions where you are registered to collect tax |
| Monthly fee | None |
Source: Stripe pricing page
How Stripe fees are calculated
Stripe charges a percentage plus a fixed amount on every successful charge. For a US card that is 2.9% + $0.30, so a $100 sale costs $3.20 and you receive $96.80.
A card issued outside the US adds 1.5%, taking the same sale to $4.70. If the customer pays in a currency other than USD and Stripe converts it, another 1% applies, for $5.70 in total.
Stripe does not return the processing fee when you refund a customer, so a refunded sale still costs you the fee.
- Manually entered cards: 3.4% + $0.30.
- ACH Direct Debit from a US bank account: 0.8% (capped at $5.00), available for US customers only.
- Subscriptions through Stripe Billing: +0.7% of billing volume.
Can you use Stripe from Egypt or Saudi Arabia?
Stripe's supported-countries list includes the UAE but not Egypt or Saudi Arabia. The list is about where the business is registered, not where the owner lives or which passport they hold.
That is why many founders in Egypt and Saudi Arabia form a US LLC and apply for a US Stripe account, which is priced at the US rates this calculator uses. Stripe still makes the final decision after its own review.
Read: is Stripe available in Egypt, Saudi Arabia and the UAE?More payment fee calculators
Run the same sale through another gateway, or compare them all at once.
- Payment gateway fee calculator Compare Stripe, PayPal, Airwallex, Dodo Payments and Polar on one sale.
- PayPal fee calculator 3.49% + $0.49 for PayPal Checkout, +1.5% on international sales.
- Airwallex fee calculator 2.8% + $0.30 on US cards, 4.3% + $0.30 on international cards.
- Dodo Payments fee calculator 4% + $0.40 as merchant of record, tax and compliance included.
- Polar fee calculator From 5% + $0.50 on the free plan, tax included.
Frequently asked questions
How much does Stripe charge on $100?
$3.20 with a US card (2.9% + $0.30), leaving you $96.80. With a card issued outside the US the fee is $4.70, and $5.70 if Stripe also converts the currency.
What is Stripe's international card fee?
1.5% on top of the base rate for any card issued outside the US, plus 1% if Stripe converts the currency.
How do I work out what to charge so I receive a set amount?
Switch the calculator to "I want to receive". For a US card the formula is (target + $0.30) ÷ (1 − 0.03); to receive $100 you charge $103.30.
Does a non-US owner of a US LLC pay higher Stripe fees?
Stripe publishes its pricing per account country. A US LLC opens a US account, so the US rates on this page apply. What changes the fee is where your customer's card was issued, not your nationality.
Does Stripe refund its fee when I refund a customer?
No. When you refund a charge, Stripe keeps the original processing fee.
Want the lowest rate? Start with a US company.
A US LLC lets you apply for Stripe, PayPal Business and Airwallex at the US rates on this page. Foundlie forms it for one all-in price.