Included in this estimate
What the math covers
- Online card processing
- No standard monthly platform fee
- Custom checkout or payment links
Payments fee guide
Stripe fee calculator: card processing and take-home pay
Straightforward card processing for online businesses. A baseline estimate for a successful domestic online card payment in the United States.
Source checked Stripe pricing· Page updated October 14, 2026
Quick calculator
Sale breakdown
$
Estimated fees
−$3.20You keep
$96.80Effective rate3.20%
Reference estimate based on 2.9% + $0.30. Excludes taxes, refunds, optional services, currency conversion, and special pricing.
Watch the edges
What can change your result
- International cards add cost
- Currency conversion may apply
- Dispute fees are separate
Quick pricing examples
What common sale amounts leave.
One transaction using the editable baseline of 2.9% + $0.30. Monthly charges are included when the baseline has one.
| Gross sale | Estimated fees | You keep | Effective rate |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.90% |
| $50.00 | $1.75 | $48.25 | 3.50% |
| $100.00 | $3.20 | $96.80 | 3.20% |
| $500.00 | $14.80 | $485.20 | 2.96% |
Pricing explained
What the headline rate means.
US online domestic cards use 2.9% + $0.30
Stripe currently lists 2.9% plus $0.30 for each successful US online domestic card transaction on standard pricing. There is no standard setup or monthly Payments fee in this baseline.
The fixed fee weighs most on small payments
A $10 payment costs about $0.59 and leaves $9.41, an effective rate of 5.9%. A $100 payment costs $3.20 and leaves $96.80, reducing the effective rate to 3.2%.
International and converted payments cost more
Stripe currently adds 1.5% for an international card and another 1% when currency conversion is required. On a $100 transaction, that can lift the modeled fee from $3.20 to $5.70.
Manual entry, disputes, and faster payouts are separate
Manually entered cards currently add 0.5%. Stripe lists a $15 dispute fee and charges 1.5% of eligible Instant Payout volume with a $0.50 minimum. These costs are outside the default calculator result.
Reference rate
2.9% + $0.30Fees change by country, plan, payment method, and account history. ClearFeeMath estimates are planning tools, not invoices.Common questions
How much does Stripe take?
Our baseline model uses 2.9% + $0.30. Actual fees can vary by country, plan, product category, payment method, and account terms.
What is included in this Stripe estimate?
Online card processing, No standard monthly platform fee, Custom checkout or payment links. Costs listed under “Watch the edges” are not included unless the calculator states otherwise.
How much does Stripe take from a $100 payment?
At the standard US online domestic-card rate of 2.9% + $0.30, Stripe takes $3.20 and the seller keeps $96.80 before refunds, disputes, international-card fees, currency conversion, taxes, or optional products.
How much does Stripe take from a $10 payment?
At 2.9% + $0.30, Stripe takes $0.59 from a $10 payment and the seller keeps $9.41. The fixed $0.30 makes the effective fee rate higher on small payments.
What does Stripe charge for an international card?
For a US account on standard pricing, Stripe currently adds 1.5% for an international card. If currency conversion is also required, it adds another 1%.
Does Stripe charge a monthly fee for standard card payments?
Stripe standard Payments pricing does not list a setup or monthly processing fee. Optional services, custom domains, Billing, Tax, Connect, Radar, Instant Payouts, and other products can add separate charges.
Is this the exact amount Stripe will charge?
No. This is a planning estimate based on the linked public pricing source. Your account statement and current Stripe terms take precedence.
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