Stripe Fees Calculator — United States Rates
Calculate Stripe payment processing fees. Forward and reverse calculations with up-to-date rates.
Transaction Type
Current Stripe US Rates
Official| Type | Rate | Fixed |
|---|---|---|
| Domestic Card | 2.90% | $0.30 |
| International Card | 4.40% | $0.30 |
| International + Currency Conversion | 5.40% | $0.30 |
| ACH Direct Debit | 0.80%(max $5.00) | — |
Last verified: 2026-04-11 · Source
This URL serves region-specific pricing. Select "United States" from the country picker at the bottom of the page to view US rates.
Use reverse calculation to determine what to charge so you receive the exact amount you need after fees.
Stripe Fee Structure
Domestic Card
2.9% + $ 0.30
Applies to credit and debit cards issued in the United States — the standard rate for most US-based merchants.
International Card
4.4% + $ 0.30
Applies when the card is issued outside the US. Adds 1.5% to the domestic rate, regardless of the billing currency.
International + Currency Conversion
5.4% + $ 0.30
Applies when the card is issued outside the US and Stripe converts the payment from the card's home currency to USD. Adds 1% on top of the international card rate.
ACH Direct Debit
0.8% (max $ 5.00 )
Applies to US bank account (ACH) payments; the fee is capped at $5.00 regardless of transaction size.
Rates last verified on 2026-04-11. Source: Stripe official pricing . This URL serves region-specific pricing. Select "United States" from the country picker at the bottom of the page to view US rates.
Example Fee Calculations
| Amount | Domestic Card | International Card | International + Currency Conversion | ACH Direct Debit | ||||
|---|---|---|---|---|---|---|---|---|
| Fee | You Receive | Fee | You Receive | Fee | You Receive | Fee | You Receive | |
| $25.00 | $1.03 | $23.97 | $1.40 | $23.60 | $1.65 | $23.35 | $0.20 | $24.80 |
| $50.00 | $1.75 | $48.25 | $2.50 | $47.50 | $3.00 | $47.00 | $0.40 | $49.60 |
| $100.00 | $3.20 | $96.80 | $4.70 | $95.30 | $5.70 | $94.30 | $0.80 | $99.20 |
| $500.00 | $14.80 | $485.20 | $22.30 | $477.70 | $27.30 | $472.70 | $4.00 | $496.00 |
| $1,000.00 | $29.30 | $970.70 | $44.30 | $955.70 | $54.30 | $945.70 | $5.00 | $995.00 |
| $5,000.00 | $145.30 | $4,854.70 | $220.30 | $4,779.70 | $270.30 | $4,729.70 | $5.00 | $4,995.00 |
All amounts in USD. Fees calculated using current Stripe rates.
How Stripe Pricing Works
Stripe charges a percentage of the transaction plus a flat fixed fee per payment. For US domestic card transactions, the rate is 2.9% + $0.30. The fixed component matters most for small amounts — on a $5 payment, $0.30 alone represents 6% of the total.
International cards cost more to process due to cross-border interchange and network fees. Stripe adds 1.5% on top of the domestic rate for cards issued outside the US, bringing the total to 4.4% + $0.30. If the card is also in a different currency and Stripe handles the conversion, an additional 1% applies for a total of 5.4% + $0.30.
For US bank account payments, ACH Direct Debit is a lower-cost alternative: 0.8% with no fixed fee, capped at $5.00. ACH suits larger B2B invoices and subscription billing where the per-transaction saving adds up, though settlement takes longer than card payments.
All fees are deducted automatically before Stripe deposits to your bank account. There are no monthly fees, setup fees, or minimum volume requirements on the standard plan.
Using Stripe in the United States
Stripe is the dominant payment infrastructure for US internet businesses and SaaS companies. Its developer-first approach, extensive API documentation, and broad ecosystem of integrations have made it the default choice for startups and established platforms alike — the company processes hundreds of billions of dollars annually across its US merchant base.
US merchants don't pay sales tax on Stripe processing fees. Payment processing is classified as a financial service rather than a taxable service in most states, so the 2.9% + $0.30 you pay per transaction is the full cost. For payout timing, standard US accounts receive funds on a 2-day rolling basis; eligible accounts can enable Instant Payouts for an additional 1% fee (minimum $0.50) to receive funds within 30 minutes, any day of the week.
Beyond payments, Stripe has built a suite of tools that are popular among US startups: Stripe Atlas handles US company incorporation and EIN setup for international founders, Stripe Tax automates sales tax collection across all 50 states (a significant compliance burden for SaaS businesses), and Stripe Radar provides fraud detection tuned to US card networks. For most US internet businesses, Stripe functions as the core financial stack rather than just a payment processor.
Frequently Asked Questions
What are Stripe's fees for US domestic payments?
Stripe charges 2.9% + $0.30 per successful card transaction for US domestic cards. For example, on a $100 payment the fee is $3.20 and you receive $96.80.
How much extra does Stripe charge for international cards?
International cards are charged at 4.4% + $0.30, which is 1.5% more than the domestic rate. If Stripe also handles currency conversion, an additional 1% applies for a total of 5.4% + $0.30.
Does Stripe charge monthly or setup fees?
No. Stripe's standard plan has no monthly fees, no setup fees, and no minimum transaction volume. You only pay per successful transaction.
What is Stripe's ACH pricing?
Stripe charges 0.8% for ACH Direct Debit payments, with a maximum fee of $5.00 per transaction. A $10,000 invoice costs $5.00 in fees rather than the $290.30 a card payment would incur.
How do I calculate what to charge so I receive a specific amount?
Use the reverse calculation formula: charge = (desired amount + $0.30) / (1 − 0.029). For example, to net $100 you need to charge $103.30. Use the reverse calculator on this page to compute any target amount instantly.
When does Stripe pay out funds?
For US accounts, Stripe uses a 2-day rolling payout schedule by default — funds from Monday's transactions arrive in your bank on Wednesday. Instant payouts (for an additional fee) are also available to eligible accounts.
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