Stripe fee calculator
What Stripe takes from a payment, what you receive, and what to charge to receive a set amount. By card or ACH, for one payment or a whole payment plan.
What Stripe charges in the US
On Stripe's standard pricing there's a fee on each successful payment, and no setup or monthly fee. Stripe's pricing page says it "does not charge setup fees, monthly fees, or any other hidden fees like closure fees."
| What | Stripe's fee |
|---|---|
| Domestic card payment | 2.9% + 30¢ |
| Card entered by hand | +0.5% |
| International card | +1.5% |
| Currency conversion | +1% |
| ACH Direct Debit | 0.8%, capped at $5 |
| Instant Payout | 1.5% of the payout, at least 50¢ |
| Dispute received | $15 |
Source: stripe.com/pricing, checked 7 October 2026. Stripe also offers custom pricing for businesses with large processing volumes.
How to calculate Stripe fees
For a domestic card, multiply the amount by 2.9% and add 30¢. For ACH Direct Debit, multiply by 0.8% and stop at $5.
Card fee = amount × 0.029 + $0.30
ACH fee = the smaller of amount × 0.008 and $5
A $1,000 card payment costs $29.30, so you receive $970.70. The same $1,000 by ACH costs $5.
How much to charge to receive a set amount
Stripe takes its percentage from the whole charge, including whatever you add to cover the fee. So adding 2.9% + 30¢ to the price falls a little short. Divide instead:
Amount to charge = (amount you want + $0.30) ÷ (1 − 0.029)
To receive $1,108.33 from a card payment, charge $1,141.74. Stripe's fee on $1,141.74 is $33.41, which leaves $1,108.33.
If you add that difference to the customer's bill because they paid by card, it is a surcharge. Stripe's surcharging guide lists credit cards only and a 3% maximum in the US. It also says you have to disclose the surcharge before the customer pays, show it separately on the receipt, and check the rules where you are, including state rules. Covering the whole 2.9% + 30¢ comes to more than 3% on any card payment under about $2,300, so the calculator flags it. More in What is a surcharge?
Stripe fees on a payment plan
On a plan, the 2.9% adds up to about the same however you split the balance. The 30¢ is charged on every payment, so more payments cost a little more. ACH works the other way: the $5 cap applies to each payment, so splitting a large balance into more payments adds more $5 fees.
Take a $14,800 program: a $1,500 deposit, then twelve payments of about $1,108. By card, Stripe's fees across the thirteen payments come to $433.08. By ACH, each payment hits the $5 cap, so the same thirteen payments cost $65. Put a number of payments in the calculator to see your own plan. For more, read What Stripe charges on a payment plan and ACH or card on a $15,000 plan.
Questions.
How much does Stripe charge per transaction?
On Stripe's standard US pricing, 2.9% + 30¢ for each successful domestic card payment, and 0.8% capped at $5 for ACH Direct Debit. Cards entered by hand add 0.5%, international cards add 1.5%, and currency conversion adds 1%.
How do I calculate the amount to charge to cover Stripe fees?
Add 30¢ to the amount you want to receive, then divide by 0.971. To receive $1,108.33 by card, charge $1,141.74. Stripe's fee on that charge is $33.41.
Can I pass Stripe fees on to customers?
Adding a fee because the customer paid by card is a surcharge. Stripe's surcharging guide lists credit cards only and a 3% maximum in the US, with disclosure before payment and the surcharge shown separately on the receipt. You're responsible for checking the rules where you are, including state rules.
Does Stripe charge a monthly fee?
Not on standard pricing. Stripe's pricing page says it does not charge setup fees, monthly fees or closure fees. You pay a fee on each successful payment.
Is ACH cheaper than card on Stripe?
On standard US pricing, ACH Direct Debit costs 0.8% capped at $5, against 2.9% + 30¢ for a card. On a $1,000 payment that's $5 by ACH and $29.30 by card.
What does Stripe charge for a dispute?
$15 for each dispute you receive, on standard US pricing. Stripe lists a further $15 when you counter a dispute manually.
In a 15-minute demo, we build a plan from a deal in HubSpot or Pipedrive, with a card surcharge per payment method where your state allows it and bank transfer beside every card. Each location is paid into its own Stripe account and books.