Stripe fees explained
Figures below are Stripe's published US prices, read on stripe.com/pricing on November 9, 2026. They are standard pricing, not a negotiated contract. If your dashboard shows a different rate, the dashboard wins. Domestic cards are 2.9% + $0.30 per successful charge.
What is the Stripe rate people quote?
Domestic cards are 2.9% + $0.30 per successful charge. Failed charges are not billed that rate. Refunds do not, in general, return the original processing fee. Budget the fee on the gross charge, not on revenue after refunds.
Three add-ons sit on top of the domestic rate:
- Manually entered cards, +0.5%.
- International cards, +1.5%.
- Currency conversion, +1% when Stripe has to convert.
A card can be more than one of these. An international card that is also converted is not a 2.9% charge.
ACH Direct Debit is 0.8%, capped at $5. That cap is why large invoices often move off cards.
What does Stripe charge for disputes and payouts?
Receiving a dispute costs $15. Countering it costs another $15, and Stripe returns the counter fee if you win. The received fee is not described as refundable. Smart Disputes, if you use it, is 30% of the disputed amount on disputes you win, and the received fee still applies.
Standard payouts have no fee. Instant payouts are 1.5% of the amount, with a $0.50 minimum. Connect pricing for instant payouts can differ. Stripe says so on the same page.
What does a month of Stripe fees cost?
The calculator uses volume × 2.9% + (volume ÷ ticket) × $0.30. At a $50 average ticket:
| Monthly volume | Charges | Stripe fee |
|---|---|---|
| $10,000 | 200 | $350 |
| $50,000 | 1,000 | $1,750 |
| $250,000 | 5,000 | $8,750 |
That is 3.50% at a $50 ticket, not 2.9%, because of the thirty cents. At a $15 ticket the fixed fee matters more. The calculator is there so you do not do this in your head.
Radar's pricing page lists fraud screening starting at $0.05 per screened transaction, and a monthly option starting at $10. Several fraud tools are also marked included on standard payments pricing. Read the Radar section before you add a round number to the card bill. Billing and Tax are separate products with their own prices on the same page. This guide does not copy a Billing percentage the pricing extract did not state cleanly.
When is a lower headline not a lower bill?
Braintree's published US card rate is a few dollars a month under this table. PayPal Checkout is well above it. A merchant of record at 5% + $0.50 is a different service, not a cheaper card. Interchange-plus can win at higher volume and can lose on an expensive card mix. The fee guide's job is the Stripe bill. The lowest-fee page is the comparison.
01What is the Stripe rate people quote?
Domestic cards are 2.9% + $0.30 per successful charge. Failed charges are not billed that rate. Refunds do not, in general, return the original processing fee. Budget the fee on the gross charge, not on revenue after refunds.
02What does Stripe charge for disputes and payouts?
Receiving a dispute costs $15. Countering it costs another $15, and Stripe returns the counter fee if you win. The received fee is not described as refundable. Smart Disputes, if you use it, is 30% of the disputed amount on disputes you win, and the received fee still applies.
03What does a month of Stripe fees cost?
The calculator uses volume × 2.9% + (volume ÷ ticket) × $0.30. At a $50 average ticket:
04When is a lower headline not a lower bill?
Braintree's published US card rate is a few dollars a month under this table. PayPal Checkout is well above it. A merchant of record at 5% + $0.50 is a different service, not a cheaper card. Interchange-plus can win at higher volume and can lose on an expensive card mix. The fee guide's job is the Stripe bill. The lowest-fee page is the comparison.
05Where were the figures on this page read?
The sources list names the pages. This edition was read on November 9, 2026. Stripe's US domestic card rate in that reading is 2.9% + $0.30, and a dispute received is $15.
Which sources were checked?
Stripe fees explained cites 1 source link. Fee figures are from the edition dated November 9, 2026. A later reading is dated where it is cited.
Last verified .
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