Free calculator tool
Stripe fee calculator
The only calculator that shows your true all-in Stripe cost, including international cards, Billing, Managed Payments, and disputes. Updated for 2026.
Calculate your Stripe fees
Fee calculation results
Fee breakdown
Enter an amount to see your fee breakdown.
Learn about Stripe costs
How Stripe fees work
Stripe fees are a percentage of the transaction plus a fixed fee. Extra modifiers stack on top for international cards, premium services, and disputes.
How much does Stripe charge?
Stripe pricing varies by country. Stripe charges 2.9% + $0.30 in the US, 1.5% + €0.25 in Europe, and 3.6% in Japan. These Stripe rates cover payment processing, fraud protection, and infrastructure costs.
Stripe transaction fees are automatically deducted from each payment before funds reach your account.
How to calculate Stripe fees (processing fee calculator)
This is how you can calculate Stripe fees:
Stripe fee = (amount × percentage) + fixed fee + modifiers
For a US $100 card charge, the Stripe fee is $2.90 + $0.30 = $3.20. For a UK £100 card charge, it’s £1.50 + £0.20 = £1.70. Add +1.5% for international cards and +1% for currency conversion when those apply.
Does Stripe have hidden fees?
Stripe has transparent pricing with no setup fees or monthly charges for basic processing. But costs stack: Stripe Billing (+0.7%), Managed Payments (+3.5%), international cards (+1.5%), currency conversion (+1%), invoices ($0.40-$0.75), and $15 per dispute.
Everything is documented publicly, but your effective rate can easily double once modifiers are applied. Use the calculator above to see the real number.
Stripe transaction fee calculator by payment method
Stripe transaction fees differ by payment method: 2.9% + $0.30 for US cards, 0.8% (capped at $5) for ACH Direct Debit, 5.99% + $0.30 for buy now pay later, and 1.5% flat for stablecoins. The calculator above applies the correct rate for every method Stripe supports.
Switch payment methods in the calculator to see the transaction fee for cards, ACH, SEPA, BACS, iDEAL, Cash App Pay, Alipay, WeChat Pay, BNPL, Link, and stablecoins.
Stripe fees calculator for international cards
When a customer pays with a card issued outside your Stripe account country, Stripe adds +1.5% for the international card modifier. If the payment also requires currency conversion, another +1% stacks on top.
Toggle the International card and Currency conversion modifiers in the calculator above to see the true cost of accepting cross-border payments.
Stripe fees by country
Standard Stripe rates
- United States: 2.9% + $0.30
- Canada: 2.9% + $0.30
- United Kingdom: 1.5% + £0.20
- European Union: 1.5% + €0.25
- Australia: 1.7% + A$0.30
- Japan: 3.6%
- India: 2% (no fixed fee)
- Brazil: 3.99% + R$0.39
Fees by payment method
- • Credit cards: 2.9% + $0.30 (US)
- • Digital wallets / Link: Same as credit card rates
- • ACH Direct Debit: 0.8% (capped at $5)
- • Buy now, pay later: 5.99% + $0.30
- • Stablecoin: 1.5% (no fixed fee)
- • International cards: +1.5%
- • Wire payments: $8 per transaction
Modifier fees stack
- • International card: +1.5%
- • Currency conversion: +1%
- • Manually keyed: +0.5%
- • Stripe Billing: +0.7%
- • Managed Payments: +3.5%
- • Dispute: $15 flat per dispute
Nonprofit discount
Registered US 501(c)(3) nonprofits can apply for a discounted Stripe rate of 2.2% + $0.30 per card transaction, vs the standard 2.9%. Approval requires documentation and takes a few business days. Toggle the Nonprofit option in the calculator above to see your discounted rate.
Regional breakdowns
Stripe fees by region
Pick your country in the calculator above to see exact fees. Here are the three most common international markets we see on Checkout Page.
Stripe fees in the UK
UK-registered Stripe accounts pay 1.5% + £0.20 per standard UK card transaction. European cards add +0.9%, non-European cards add +1.9%, and currency conversion adds +2%.
Select United Kingdom in the calculator above to work out the Stripe fees for a UK transaction.
Stripe fees in Canada
Canadian Stripe accounts pay 2.9% + C$0.30 per domestic card charge. International cards add +0.8%, and currency conversion adds +2% on top.
Select Canada in the calculator above for a Stripe fee calculator for Canadian merchants.
Stripe fees in Australia
Australian Stripe accounts pay 1.7% + A$0.30 per domestic card charge. International cards add +1.5%, and currency conversion adds +2%.
Select Australia in the calculator above for an Australian Stripe fees calculator.
Comparison
How Stripe compares to PayPal, Paddle, Lemon Squeezy, and Gumroad
Standard US processing rates across the major payment platforms.
| Platform | Standard US rate | Notes |
|---|---|---|
| Stripe | 2.9% + $0.30 | Online cards. International +1.5%, Managed Payments +3.5%. |
| PayPal | 3.49% + $0.49 | Commercial transactions. QR / in-person rates differ. |
| Paddle | 5% + $0.50 | Merchant of Record. Handles sales tax and VAT globally. |
| Lemon Squeezy | 5% + $0.50 | Merchant of Record for digital products and SaaS. |
| Gumroad | 10% flat | All-in fee. Stripe + platform fee bundled; no separate processing cost. |
Checkout Page runs on top of Stripe, so you pay Stripe’s rates only, with no additional platform fees. Most hosted checkout platforms add 2–5% on top.
Common questions
Frequently asked questions about Stripe fees
Everything on Stripe pricing, modifiers, Managed Payments, and disputes.
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