Understanding Stripe's fee structure is essential for accurate revenue forecasting and financial planning. Our Stripe Fee Calculator provides a comprehensive breakdown of all fees associated with your transactions, including regional variations and optional services.
International Card (+1.50%) Non-domestic card payments
Currency Conversion (+1.00%) Payment currency differs from payout currency
Subscription (+0.7%) Recurring charges (Stripe Billing)
Stripe Invoicing Automated invoicing with payment collection
Fee Breakdown
Base Fee (2.90% + $0.30) $3.20
Total Fees -$3.20
You Receive $96.80
Stripe's pricing is transparent but can vary significantly based on your location, payment method, and the services you use. Here's a comprehensive breakdown:
Stripe's base fees vary by region and are designed to cover payment processing costs:
Online payments: 2.9% + $0.30 per transaction International cards: Additional 1.5% Card payments: 1.5% + €0.25 per transaction International cards: Additional 3.25% Card payments: 1.5% + £0.20 per transaction International cards: Additional 3.25% Card payments: 2.9% + CA$0.30 per transaction International cards: Additional 1.5% Card payments: 1.75% + A$0.30 per transaction International cards: Additional 1.5% Card payments: 3.5% + S$0.50 per transaction International cards: Additional 1.5% Local card payments: 3.4% + HK$2.35 per transaction International cards: Additional 0.05% Indian card payments: 2% (up to ₹2000), 2.3% (above ₹2000) International cards: 3% per transaction When a customer uses a card issued in a different country than your business location, Stripe charges an additional fee:
US, Canada, Australia, Singapore: +1.5%EU & UK: +3.25%This fee helps cover the extra costs associated with cross-border payment processing and currency risk.
When the payment currency differs from your payout currency, Stripe applies a currency conversion fee:
United States: +1%Most other countries: +2%This fee is in addition to Stripe's foreign exchange rate, which includes a small margin.
Automated invoicing with built-in payment collection:
Invoicing Starter: 0.4% per paid invoice
Basic invoice creation and sending One-time and recurring invoices Invoicing Plus: 0.5% per paid invoiceNote: Standard payment processing fees apply on top of invoicing fees.
Subscription management and recurring revenue:
Fee: 0.7% per recurring transaction
Manages subscriptions and recurring payments Handles customer billing cycles and trials Provides dunning management for failed payments Note: Standard payment processing fees apply on top of billing fees.
When a customer initiates a chargeback:
$15 per dispute (not refunded even if you win).Standard processing fees are not refunded Additional $0.30 processing fee may apply per refund transaction Enter the amount you expect to receive from a consumer.
Select the options that apply to your transaction.
See how much you will receive after the transaction, and check the fees for each additional option.
While Stripe's fees are generally competitive, there are strategies to optimize costs:
Use ACH for Large Transactions: For US customers making large purchases, ACH can save significantly compared to credit cards.Negotiate Volume Pricing: If you process over $100,000/month, contact Stripe for custom pricing.Optimize Currency Strategy: Consider opening local entities to avoid currency conversion fees in your primary markets.Leverage Stripe Billing for Subscriptions: For recurring revenue, Stripe Billing (0.5% - 0.8%) can be more predictable than per-transaction fees.Reduce Chargebacks: Every dispute costs $15. Invest in fraud prevention (Stripe Radar) and clear communication to avoid disputes.How does Stripe stack up against other payment processors?
Stripe typically has lower fees for US businesses (2.9% vs 3.49% + $0.49 for PayPal) PayPal has higher brand recognition which can increase conversion Stripe offers better developer tools and customization Polar.sh is a Merchant of Record (MoR) platform specifically for selling SaaS, software, and other digital goods. It handles taxes and compliance for digital product sales. Polar charges a standard fee of 4% + 40¢ per transaction, with additional fees for international cards (+1.5%) and subscription payments (+0.5%). Try our Polar Fee Calculator
Yes, payment processing fees are generally considered business expenses and are tax-deductible in most jurisdictions.
Legally, this depends on your location and industry. Some US states prohibit credit card surcharges. Always check local regulations.
The original transaction fees are not refunded when you issue a refund to a customer. You'll lose both the transaction fee and the transaction amount.
For Stripe Billing subscriptions, you pay the standard transaction fee plus a subscription management fee (0.7%).
You're charged $15 immediately when a dispute is filed, regardless of the outcome. This fee is non-refundable even if you win the dispute.
Factor in All Fees: Don't just calculate the base rate. Include international fees, currency conversion, and any optional services.Monitor Your Effective Rate: Track your actual fees monthly. High international sales can significantly increase your effective rate.Use This Calculator Regularly: As you expand to new markets or add services, recalculate to understand the true cost.Consider Volume Discounts: If your Stripe fees exceed $1,000/month, you may qualify for negotiated rates.Disclaimer: This tool is not affiliated with Stripe, Inc. It is an independent resource created to help businesses understand payment processing costs. Fee structures are current as of December 2025 and are subject to change by Stripe. Always refer to
Stripe's official pricing page for the most up-to-date information. This calculator is for estimation purposes only.