United States (USD)
| Card | Fee |
|---|---|
| Domestic card | 2.9% + $0.30 |
| International card | 4.4% + $0.30 |
| Currency conversion | + 1% |
| Manually entered card | + 0.5% |
| Dispute received | $15.00 |
Source: stripe.com/pricing. Checked 27 October 2026.
Free tool
Stripe fee calculator
Pick your country and card type, enter an amount, and see what Stripe keeps, what you receive and your effective rate. Or work backwards to the price that nets you a set amount.
Fees are charged in USD, the currency of the account.
Stripe takes$3.20
- Buyer pays
- $100.00
- You receive
- $96.80
- Effective rate
- 3.20%
Rate applied: 2.9% + $0.30, rounded to the nearest cent.
United States: figures from stripe.com/pricing, checked 27 October 2026.
How it works
How Stripe fees work
One percentage, one fixed fee, and a few surcharges that depend on the card and the currency.
A percentage plus a fixed fee
Stripe charges each successful card payment a percentage of the amount plus a fixed fee. In the US that is 2.9% + 30¢ for a domestic card, so a $100 sale costs $3.20 and you keep $96.80. Failed payments are not charged the card fee.
The fixed part is why small payments cost a bigger share. On a $10 sale the same rate costs 59¢, an effective rate of 5.9%. On $1,000 it is $29.30, or 2.93%.
International cards and premium cards
A card issued outside your country costs more. In the US, Stripe adds 1.5% to the domestic rate. In Canada it adds 0.8%. In Australia, the UK, the euro area and New Zealand it lists a higher total rate for international cards. In the UK and the euro area, premium cards from your own region have their own higher rate too, 2.8% in both.
Currency conversion
When Stripe has to convert currency, it adds a surcharge: 1% in the US, 2% in the other countries covered here. It stacks on top of the card rate. Stripe lists it against every card in the US, Australia, Canada and New Zealand, and against cards from outside your own region in the UK and the euro area.
Refunds
Refunding a payment gives the money back to the buyer, not the fee to you. Stripe keeps the processing and currency conversion fees from the original transaction. Most payment methods have no fee for the refund itself.
Disputes
A dispute, also called a chargeback, costs a flat fee when it arrives: $15 in the US, A$25 in Australia, £20 in the UK, €20 in the euro area, CA$15 in Canada and NZ$25 in New Zealand. Responding yourself costs a second fee of the same size, which Stripe returns if you win. Win and the second fee comes back; the first does not, and a lost dispute also loses the disputed amount.
What the calculator leaves out
It covers standard pricing for online card payments. It does not cover Stripe Billing, Tax, Radar or Connect, which are priced separately, Klarna and other payment methods, in-person Terminal payments, or custom pricing negotiated with Stripe. Your real rate can differ; the Stripe cost audit reads it from your own payments.
Sources
The rates behind the calculator
Standard online card pricing, read from Stripe's own pricing page for each country on 27 October 2026.
Australia (AUD)
| Card | Fee |
|---|---|
| Domestic card | 1.65% + A$0.30 |
| International card | 3.5% + A$0.30 |
| Currency conversion | + 2% |
| Dispute received | A$25.00 |
Stripe lists these fees as including GST.
Stripe marks the international rate "Lower pricing effective starting 1 Apr 2027" and does not state the new figure on the page, so the calculator uses the rate in force today.
Source: stripe.com/au/pricing. Checked 27 October 2026.
United Kingdom (GBP)
| Card | Fee |
|---|---|
| Standard UK card | 1.5% + £0.20 |
| Premium UK card | 2.8% + £0.20 |
| EEA card | 2.5% + £0.20 |
| International card | 3.15% + £0.20 |
| Currency conversion | + 2% on EEA and international cards |
| Dispute received | £20.00 |
Source: stripe.com/gb/pricing. Checked 27 October 2026.
Euro area (EUR)
| Card | Fee |
|---|---|
| Standard EEA card | 1.5% + €0.25 |
| Premium EEA card | 2.8% + €0.25 |
| UK card | 2.5% + €0.25 |
| International card | 3.15% + €0.25 |
| Currency conversion | + 2% on UK and international cards |
| Dispute received | €20.00 |
The same euro rates are printed on Stripe's pricing pages for Ireland, Germany, France, Spain, Italy and the Netherlands, which is every euro-area page we read. The Irish page is linked as the source.
Source: stripe.com/ie/pricing. Checked 27 October 2026.
Canada (CAD)
| Card | Fee |
|---|---|
| Domestic card | 2.9% + CA$0.30 |
| International card | 3.7% + CA$0.30 |
| Currency conversion | + 2% |
| Manually entered card | + 0.5% |
| Dispute received | CA$15.00 |
Stripe puts an asterisk on the 0.8% international surcharge without printing a footnote for it on the page.
Source: stripe.com/en-ca/pricing. Checked 27 October 2026.
New Zealand (NZD)
| Card | Fee |
|---|---|
| Domestic card | 2.65% + NZ$0.30 |
| International card | 3.5% + NZ$0.30 |
| Currency conversion | + 2% |
| Dispute received | NZ$25.00 |
Source: stripe.com/nz/pricing. Checked 27 October 2026.
Countries we have not confirmed from Stripe's own pricing page are not in the calculator. Stripe changes its rates, so check the linked page before you rely on a figure for a pricing decision.
Lower your fees
How to lower your Stripe fees
Most of the saving is in the mix of payments, not the headline rate.
Know your real rate first
The headline rate is rarely what you pay. International cards, currency conversion, refunds and disputes pull the average up. The Stripe cost audit reads your payments export and shows the all-in rate and where it comes from, so you fix the biggest line first.
Check how much you pay for currency conversion
Conversion adds 1% in the US and 2% in the other countries covered here, on top of the card rate. If a large share of your sales are in one other currency, ask Stripe whether you can be paid out in that currency: its US pricing page lists "like-for-like settlement", paid out in your preferred currencies, in select regions.
Offer a cheaper payment method
Bank-based methods are priced differently from cards. On the US page Stripe lists ACH Direct Debit at 0.8%, capped at $5.00, which is far below 2.9% + 30¢ on a large payment. Whether a method can be offered depends on your country, your Stripe account and your checkout; see Plandalf's payment options.
Keep disputes and refunds down
Each dispute costs $15 to $25 before you lose the sale, and refunds do not return the processing fee. A recognisable name on the card statement, a receipt that arrives straight away and a refund policy buyers can find all reduce both.
Ask Stripe for custom pricing
Stripe's pricing page offers custom packages, with interchange-plus pricing and volume discounts, to businesses with large payment volumes. It is worth a conversation once you process a lot, and it is the only route that changes the rate itself.
Pass the fee on, carefully
Building the fee into your prices is always allowed. A separate card surcharge is not: rules differ by country and card, and surcharging is restricted or banned for some consumer cards in some places, including the UK and the EU. Check the rules where you sell before adding a surcharge.
What Plandalf does and does not change
Plandalf takes no percentage of your revenue. It is a flat monthly plan, so it adds nothing to the fee on each payment, and the figure in the calculator is the whole cost of the card payment. Stripe processes the payment, and Stripe's fees apply whether or not you use Plandalf. Plandalf does not lower Stripe's rate.
Where it can help is the rest of the stack. If your current checkout tool takes its own percentage on top of Stripe's, that is the line a flat-fee tool removes. See how Plandalf works with Stripe.
This is the list price. What is your real rate?
The calculator shows what Stripe charges one payment. The Stripe cost audit reads your whole payments export in the browser and shows what you actually paid in fees, including conversion, refunds and the costs that never show up in a rate card.
Run the Stripe cost auditQuestions
Stripe fees, answered
The questions people search for, with the figures from the pages above.
How much does Stripe charge per transaction?
In the United States, 2.9% + 30¢ for each successful payment on a domestic card. Outside the US the figure depends on the country: Australia is 1.65% + A$0.30, the UK is 1.5% + 20p for a standard UK card, the euro area is 1.5% + €0.25 for a standard EEA card, Canada is 2.9% + CA$0.30 and New Zealand is 2.65% + NZ$0.30. International cards, premium cards and currency conversion cost more. The calculator above applies each one.
What are Stripe fees in Australia?
1.65% + A$0.30 for a domestic card and 3.5% + A$0.30 for an international card, plus 2% if Stripe has to convert currency. Stripe lists these fees as including GST. Stripe's page also says lower pricing on international cards applies from 1 April 2027 without giving the new figure, so check the page again after that date.
Who pays the Stripe fee?
You do. Stripe takes its fee out of each payment before it reaches your balance, so a buyer who pays $100 does not see it. You can build the cost into your prices, or, where it is allowed, add a surcharge. The "pass the fee on to the buyer" option above shows the charge that leaves you with a set amount.
How do I work out what to charge to receive a set amount?
Add the fixed fee to the amount you want, then divide by one minus the percentage. In the US, to receive $100.00 you charge ($100.00 + $0.30) ÷ (1 − 0.029) = $103.30, rounded up to the next cent. Stripe then keeps $3.30 and you receive $100.00. Taking the percentage off the top instead of dividing is the common mistake, and it leaves you a little short.
Is there a monthly fee for Stripe?
Not on standard pricing. Stripe's pricing pages describe standard pricing as having no setup fees, monthly fees or hidden fees, and charge the card fee only on successful payments. Products such as Billing, Tax and Radar, and custom-priced accounts, are charged on their own terms on Stripe's pricing pages.
Does Stripe give back its fee when I refund a payment?
No. Stripe's pricing pages say the payment processing, Connect and currency conversion fees from the original transaction are not returned. There is no fee for the refund itself on most payment methods, though refunds by bank transfer may cost something on standard pricing.
What does a Stripe dispute cost?
Stripe charges a fee for each dispute received: $15.00 in the US, A$25.00 in Australia, £20.00 in the UK, €20.00 in the euro area, CA$15.00 in Canada, NZ$25.00 in New Zealand. If you respond to a dispute yourself there is a countered fee of the same amount, and that one is returned if you win. The first fee is not returned, and on a lost dispute you also lose the disputed amount.
Does Stripe charge more for international cards?
Yes. A card issued outside your country costs more than a domestic one: in the US it is 1.5% on top, in Canada 0.8% on top, and in Australia, the UK, the euro area and New Zealand Stripe lists a higher total rate (3.5%, 3.15%, 3.15% and 3.5%). If the payment also needs currency conversion, add 1% in the US or 2% elsewhere.
Does Plandalf add a fee on top of Stripe?
No. Plandalf takes no percentage of your revenue, so the fee on a payment is Stripe's fee, exactly as in this calculator. Plandalf is a flat monthly plan. Using Plandalf does not lower Stripe's rate either.
The team
Built by a team obsessed with conversion.
15+ years testing every pricing model under the sun. Every part of Plandalf comes from a real checkout problem we’ve had to solve ourselves.
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