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Stripe fee calculator: US$3.20 on a US$100 card payment, 2.9% + 30¢
US$100 domestic card, online
Stripe takes US$3.20, so you keep US$96.80. The fixed 30¢ makes it 5.9% of a US$10 payment.
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Run your own payment
Stripe rounds a fee to the nearest cent and rounds 0.025 up, which is the rule used here. Stripe’s minimum charge is US$0.50 (CA$0.50 in Canada). The calculator covers card, in-person and bank debit processing at standard rates, and adds no tax.
As of Nov 11, 2026, B2B Fees read Stripe’s US and Canada pricing pages: a US$100 domestic card payment costs US$3.20.
One card rate, three switches: from 3.2% to 5.7% of US$100
Stripe’s US card rate is 2.9% + US$0.30. Each of three switches adds a percent on top, and the fixed 30¢ is charged on every card payment, so it weighs most on small ones: 5.9% of US$10, 3.5% of US$50, 2.96% of US$500.
| Payment | What you pay | Of US$10 | Of US$100 | Of US$1,000 |
|---|---|---|---|---|
| Domestic card, online | 2.9% + US$0.30 | 5.9% | 3.2% | 2.93% |
| Domestic card keyed in by hand | 3.4% + US$0.30 | 6.4% | 3.7% | 3.43% |
| International card, online | 4.4% + US$0.30 | 7.4% | 4.7% | 4.43% |
| International card with currency conversion | 5.4% + US$0.30 | 8.4% | 5.7% | 5.43% |
| Domestic card on a card reader | 2.7% + US$0.05 | 3.2% | 2.75% | 2.71% |
| International card on a card reader | 4.2% + US$0.05 | 4.7% | 4.25% | 4.21% |
An international card with currency conversion pays 1.5% and 1% more at once: US$5.70 on US$100.
Bank debit is capped at US$5.00, from US$625 up
ACH Direct Debit is 0.8% of the payment with a US$5.00 cap, so a large payment costs the same US$5.00 whatever its size. A card is 2.9% + 30¢ with no cap. The 0.8% is for standard settlement: Stripe’s local payment methods page prints 1.2% for two-day settlement, US$1.50 per instant bank account validation, US$4.00 for a failed payment and US$15.00 for a disputed one. The table uses the 0.8% rate and no failures.
| Payment | Card fee | ACH fee | ACH saves |
|---|---|---|---|
| US$100 | US$3.20 | US$0.80 | US$2.40 |
| US$625 | US$18.43 | US$5.00 | US$13.43 |
| US$1,000 | US$29.30 | US$5.00 | US$24.30 |
| US$5,000 | US$145.30 | US$5.00 | US$140.30 |
A refund does not give the fee back: a refunded US$100 payment costs US$3.20
Stripe’s pricing FAQ says “the payment processing, Connect and currency conversion fees from the original transaction are not returned”, and its help page repeats it. So a refunded US$100 card payment is a US$3.20 loss to you, and a US$10 one US$0.59. A dispute costs US$15.00 when it is received. Responding costs another US$15.00, which comes back if you win and not if you lose. Appealing costs US$15.00 more, not returned even if you win, and Smart Disputes takes 30% of the disputed amount on wins.
In person, a US$100 card payment costs US$2.75
On a card reader Stripe takes 2.7% + US$0.05: US$2.75 on US$100. An international card adds 1.5% (US$4.25) and Tap to Pay on a phone adds US$0.10 per authorization (US$2.85).
Canada: the same 2.9% + CA$0.30, with a different international rate
A domestic card is 2.9% + CA$0.30: CA$3.20 on CA$100. An international card adds 0.8%, less than the US 1.5%, but currency conversion adds 2%, more than the US 1%: CA$6.00 on CA$100 with both. Tap to Pay adds CA$0.15 per authorisation, so CA$2.90 on CA$100. Pre-authorised debit is 1% + CA$0.40, at most CA$5.00, plus CA$1.00 per instant verification and CA$5.00 for failures and disputes.
| Canadian payment | Canadian rate | Of CA$10 | Of CA$100 | Of CA$1,000 |
|---|---|---|---|---|
| Domestic card, online | 2.9% + CA$0.30 | 5.9% | 3.2% | 2.93% |
| Domestic card keyed in by hand | 3.4% + CA$0.30 | 6.4% | 3.7% | 3.43% |
| International card, online | 3.7% + CA$0.30 | 6.7% | 4% | 3.73% |
| International card with currency conversion | 5.7% + CA$0.30 | 8.7% | 6% | 5.73% |
| Domestic card on a card reader | 2.7% + CA$0.05 | 3.2% | 2.75% | 2.71% |
| Tap to Pay on a phone | 2.7% + CA$0.20 | 4.7% | 2.9% | 2.72% |
| Interac debit on a card reader | CA$0.15 flat | 1.5% | 0.15% | 0.02% |
| Pre-authorised debit (bank) | 1% + CA$0.40, at most CA$5.00 | 5% | 1.4% | 0.5% |
For other Canadian processors, see card processing in Canada.
To receive US$100, charge US$103.30 by card
Stripe takes its fee out of what the customer pays, so to receive US$100 you charge US$103.30 on a domestic card online, US$100.81 by ACH, or US$106.03 on an international card with currency conversion. Put your own amount in “Amount you want to receive” above.
A year of Stripe fees: US$1,536.00 or US$1,977.60 on the same US$48,000
US$48,000 a year as 480 card payments of US$100 costs US$1,536.00, 3.2% of sales. The same US$48,000 as 1,920 payments of US$25 costs US$1,977.60. The fixed 30¢ on 1,440 extra payments is US$432.00 of the US$441.60 difference; the other US$9.60 is rounding, since 2.9% of US$25 is 72.5¢ and rounds up to 73¢ on each payment.
What Stripe does not publish
- What counts as an international card. Stripe’s help page says any non-domestic card is assessed the international fee, shown in the balance export’s Card country column. Neither pricing page gives a fuller definition, and the Canada page’s asterisk has no note we could find. The calculator takes your choice.
- Whether Canada’s CA$5.00 cap covers the CA$0.40. The calculator holds the whole pre-authorised debit fee at CA$5.00, which reaches the cap at CA$460.00. If the cap covers only the percent, that point moves.
- Network fees. Stripe says they apply “in rare cases” to disputes and gives no amount.
- Other products and fees. Billing, Invoicing, Tax, Radar for Fraud teams, Connect, Terminal hardware, Klarna and other payment methods have separate prices. Standard payouts are free and Instant Payouts are 1.5% with a 50¢ minimum on the US page. If you use Adaptive Pricing, Stripe says customers see a conversion fee starting at 2%. None of these is in the calculator.
Every rate used
Each row is on the Stripe page named beside it, read Nov 11, 2026.
Every Stripe fee we read, with its page
| Fee | Price | Charged on | Stripe page |
|---|---|---|---|
| Domestic card, online (US) | 2.9% + US$0.30 | Each successful payment | Stripe pricing (US) |
| Keyed in by hand (US) | + 0.5% | Added to the card rate | Stripe pricing (US) |
| International card (US) | + 1.5% | Added to the card rate | Stripe pricing (US) |
| Currency conversion (US) | + 1% | Added when conversion is required | Stripe pricing (US) |
| Card reader (US) | 2.7% + US$0.05 | International cards + 1.5%; Tap to Pay + US$0.10 per authorization | Stripe pricing (US) |
| ACH Direct Debit (US) | 0.8%, at most US$5.00 | Standard settlement. Two-day settlement 1.2%; US$1.50 per instant validation; US$4.00 per failed payment; US$15.00 per disputed payment | Stripe pricing (US) and Local payment methods |
| Dispute received (US) | US$15.00 | Each dispute; the US$15 fee to counter it comes back if you win; the US$15 appeal fee does not; Smart Disputes 30% of the disputed amount on wins | Stripe pricing (US) |
| Domestic card, online (Canada) | 2.9% + CA$0.30 | Each successful payment | Stripe pricing (Canada) |
| Keyed in, international, conversion (Canada) | + 0.5%, + 0.8%, + 2% | Each added to the card rate | Stripe pricing (Canada) |
| Card reader (Canada) | 2.7% + CA$0.05 | International cards 3.5% + CA$0.05; Interac debit CA$0.15 per transaction; Tap to Pay + CA$0.15 per authorisation | Stripe pricing (Canada) |
| Pre-authorised debit (Canada) | 1% + CA$0.40, at most CA$5.00 | + CA$1.00 per instant verification; + CA$5.00 for failures and disputes | Stripe pricing (Canada) |
| Dispute received (Canada) | CA$15.00 | Each dispute | Stripe pricing (Canada) |
| Refund | No fee on cards | The original processing fee is not returned; there may be fees on bank transfers | Stripe pricing FAQ and Refund help page |
| Instant Payouts (US) | 1.5% | Minimum 50¢; standard payouts are free | Stripe pricing (US) |
| Minimum charge | US$0.50 / CA$0.50 | The smallest payment Stripe accepts | Stripe currencies docs |
| Rounding | Nearest cent | A fee of 0.025 rounds up to 0.03 | Stripe rounding rules |
| Setup or monthly fee | None | Standard pricing | Stripe pricing FAQ |
Quick answers
How much does Stripe charge per transaction?
On a domestic card online in the US, 2.9% + 30¢: US$3.20 on a US$100 payment. In Canada the percent is the same with a CA$0.30 fixed fee, so CA$100 costs CA$3.20. Stripe prints no monthly or setup fee.
How much does Stripe take from a $10 payment?
US$0.59, 5.9% of the payment, because every card payment carries the fixed 30¢. On US$50 it is 3.5%, on US$500 2.96%.
What are Stripe’s fees for international cards?
In the US an international card adds 1.5%, so 4.4% + 30¢, and currency conversion adds 1% more: US$5.70 on US$100. In Canada it adds 0.8% and conversion adds 2%: CA$6.00 on CA$100.
Does Stripe charge a monthly fee?
Stripe says it does not charge setup fees, monthly fees or closure fees on standard pricing, and offers custom pricing for large processing volumes.
Does Stripe give back its fee when I refund a customer?
No. Stripe says the payment processing fee from the original payment is not returned, so refunding a US$100 card payment costs you US$3.20. Stripe says there may be fees when bank transfers are used, and that some regions and payment types carry extra refund fees.
How much is Stripe ACH Direct Debit?
0.8% of the payment, at most US$5.00. The cap is reached at US$625.00, so a US$1,000 bank debit costs US$5.00 against US$29.30 on a card.
How much should I charge to receive $100 after Stripe’s fee?
US$103.30 by domestic card online, US$100.81 by ACH, and US$106.03 on an international card with currency conversion. The calculator does it for any amount.
What does a Stripe dispute cost?
US$15.00 when a dispute is received (CA$15.00 in Canada). Responding costs another US$15.00, which Stripe returns if you win and keeps if you lose; network fees can also apply.
Not for you if
- You process large volumesStripe offers custom pricing for large volumes, listed on its page as IC+ pricing and volume discounts. The calculator uses the standard rates anyone can sign up at.
- You sell mostly items under US$10The fixed 30¢ is 5.9% of a US$10 payment. At that size even a plain domestic card pays more than the 2.9% headline.
- You need Billing, Invoicing or Tax pricedStripe lists those products at separate prices. They are not in this calculator, which covers payment processing only.
How we know
- We read Stripe’s US pricing page (it said it was showing the site for the United States) and its Canada pricing page in a real browser, including the refund and fee FAQ and the dispute fees, then Stripe’s local payment methods pricing, its help pages on rounding, international cards and refunded payments, and its currencies docs for the minimum charge.
The numbers come from the same code as the calculator, tested against hand-worked payments, the cap, the amount to charge for a set amount and a year. We made no payments and opened no Stripe account. Not confirmed: whether Canada’s cap covers the fixed fee, and whether the processing fee comes back on a won dispute (Stripe prints nothing on it). Method: how we check prices.