Stripe US Fee Calculator Calculate Stripe Fees for US Businesses
Free Stripe US fee calculator. Calculate Stripe fees (2.9% + $0.30) for US businesses. Includes international card fees and in-person rates.
Stripe US Fee Structure 2025
Stripe offers transparent, pay-as-you-go pricing with no monthly fees. Here’s the complete fee structure for US businesses:
Stripe US Transaction Fees
| Card Type | Fee Rate | Fixed Fee | Best For |
|---|---|---|---|
| Domestic Cards | 2.9% | $0.30 | Most US transactions |
| International Cards | 4.4% | $0.30 | Foreign customers |
| In-Person (Terminal) | 2.7% | $0.05 | Retail, events |
| Link (Accelerated) | 2.9% | $0.30 | Returning customers |
| ACH Direct Debit | 0.8% | - | Bank transfers ($5 cap) |
Additional Fees
- Manually entered cards: +0.5%
- Currency conversion: +1%
- Disputes/Chargebacks: $15 per dispute
- Instant payouts: 1% ($0.50 minimum)
When to Use Stripe vs PayPal
| Use Stripe When | Use PayPal When |
|---|---|
| Building custom checkout | Buyer prefers PayPal |
| Subscription/recurring billing | Need buyer protection trust |
| International selling | Selling on Grailed/Depop |
| Developer-focused features | Quick peer-to-peer payments |
Stripe Fee Examples
| Sale Price | Domestic Fee | International Fee | You Receive (Domestic) |
|---|---|---|---|
| $25 | $1.03 | $1.40 | $23.97 |
| $50 | $1.75 | $2.50 | $48.25 |
| $100 | $3.20 | $4.70 | $96.80 |
| $250 | $7.55 | $11.30 | $242.45 |
| $500 | $14.80 | $22.30 | $485.20 |
| $1,000 | $29.30 | $44.30 | $970.70 |
Stripe for Different Business Types
E-commerce Stores
- Best for: Custom checkout flows, subscriptions
- Use Stripe Checkout for quick setup
- Payment Links for no-code selling
SaaS & Subscriptions
- Use Stripe Billing for recurring payments
- Smart Retries reduce failed payments
- Customer portal for self-service
Marketplaces & Platforms
- Stripe Connect for multi-party payments
- Split payments automatically
- Onboard sellers quickly
In-Person Retail
- Stripe Terminal from 2.7% + $0.05
- Card readers: $59-$349
- Unified online/offline reporting
This page’s recorded fee review is over a year old. We’ve surfaced the date instead of presenting old numbers as current; verify the platform’s official schedule before listing.
Common questions
What are Stripe US fees in 2025?+
Stripe US charges 2.9% + $0.30 for domestic card transactions. International cards add 1.5%, and currency conversion adds 1%. In-person Terminal transactions are 2.7% + $0.05.
How much does Stripe take from a $100 payment?+
For a $100 domestic card payment: 2.9% ($2.90) + $0.30 = $3.20 total. You receive $96.80.
Is Stripe cheaper than PayPal?+
Yes, for most online transactions. Stripe charges 2.9% + $0.30 vs PayPal's 3.49% + $0.49 for checkout. Stripe saves you about 0.8% per transaction.
Does Stripe have monthly fees?+
No, Stripe has no monthly fees, setup fees, or cancellation fees. You only pay per transaction.
What are Stripe Terminal fees?+
Stripe Terminal (in-person) charges 2.7% + $0.05 for domestic cards, plus card reader costs ($59-$349).
See where the profit is.
Run the same sale across the major platforms and compare the result side by side.