You receive
$96.80
Stripe's standard US prices, read on stripe.com on November 10, 2026. A dispute costs $15 more. Stripe has no monthly or setup fee on standard pricing.
Stripe fees are the processing fees Stripe keeps from each payment before the money reaches your Stripe balance. On standard pricing in the US, a card payment from a US card costs 2.9% of the transaction amount plus a fixed fee of 30¢. On a $100 sale Stripe keeps $3.20 and you receive $96.80. On a $49.99 sale it keeps $1.75.
This standard rate is the same for credit cards, debit cards and prepaid cards. The percentage fee grows with the payment, the fixed fee doesn’t. That is why small payments cost more in relative terms: on a $10 sale the same pricing takes 59¢, almost 6%.
Stripe charges per successful payment. It has no setup fee and no monthly fee on standard pricing, and standard payouts to your bank are free. Businesses with large payment volume can ask Stripe for custom pricing, such as volume discounts or interchange-plus (IC+) pricing.
Standard prices for a Stripe account in the United States. Surcharges add to the 2.9%. International cards cost 1.5% more, and a payment from a foreign card that also needs currency conversion costs 2.9% + 1.5% + 1% = 5.4%, plus 30¢.
| What | Stripe fee |
|---|---|
| US card (domestic) | 2.9% + 30¢ |
| Card issued outside the US | + 1.5% |
| Currency conversion | + 1% |
| Manually entered card | + 0.5% |
| ACH Direct Debit | 0.8%, at most $5.00 |
| Klarna (buy now, pay later) | 5.99% + 30¢ |
| Dispute received | $15.00 |
| Dispute countered | $15.00, refunded if you win |
| Instant Payouts | 1.5% of the payout, at least 50¢ |
| Standard payouts | free |
The fees for cards cover credit cards, debit cards, prepaid cards and digital wallets such as Apple Pay and Google Pay. In-person payments with Stripe Terminal and a card reader have their own prices. So do Stripe Billing for subscriptions and other recurring payments (0.7% of billing volume), Stripe Connect for platforms and Stripe Sigma for reports. Fraud protection with Radar is built in. All prices are on Stripe’s pricing page and its page on payment methods.
The amount your customer pays, or the amount you want to receive after Stripe’s fee.
A US card, a card from abroad or ACH Direct Debit. Tick currency conversion or manual entry if they apply.
Add the number of payments a month to see your Stripe fees for the month.
If you want a set amount to arrive, you can’t add 2.9% + 30¢ to the price, because Stripe also takes 2.9% of what you added. Add the fixed fee to the amount you want, then divide by one minus the percentage: ($100 + $0.30) ÷ 0.971 = $103.30. Stripe keeps $3.30 of that and $100.00 reaches your balance. Choose “The amount I want to receive” in the calculator to get it to the cent for any payment method.
Raising your prices is one way to cover the fees. Adding a separate surcharge for card payments is another, but card networks and some US states restrict surcharges, so check the rules before you add one.
Credit card processing fees for online transactions in the US, at each provider’s standard rate, and the fee on a $100 payment from a US card:
| Payment provider | Online card rate | Fee on $100 |
|---|---|---|
| Stripe, US card | 2.9% + 30¢ | $3.20 |
| Shopify Payments, Basic plan ($39 a month, $29 billed yearly) | 2.9% + 30¢ | $3.20 |
| Square, Plus or Premium plan | 2.9% + 30¢ | $3.20 |
| Square, Free plan | 3.3% + 30¢ | $3.60 |
| PayPal, standard card payments | 2.99% + 49¢ | $3.48 |
| PayPal Checkout | 3.49% + 49¢ | $3.98 |
On Shopify, using a payment provider other than Shopify Payments, such as Stripe or PayPal, adds a third-party transaction fee of 2% on the Basic plan, on top of that provider’s own fee. Shopify’s higher plans lower both: from 2.7% + 30¢ on Grow and 2.5% + 30¢ on Advanced. Sources: PayPal merchant fees, Square pricing and Shopify pricing.
When a customer disputes a card payment with their bank, the payment is pulled back from your Stripe balance and Stripe charges a $15 dispute fee. If you counter the dispute with evidence, Stripe charges another $15, which it returns if you win. You lose the first $15 either way. Stripe’s guide to disputes explains the steps. A few chargebacks a month on small orders can cost more than the processing fees on them.
Stripe pays out in batches, minus its fees and refunds, so the deposit in your bank matches none of your sales. In your books, each sale is income at its full amount on the day it was paid, and Stripe’s fee is a separate business expense. On a Schedule C, the full sales go into gross receipts. The payout isn’t income: it moves money from your Stripe balance to your bank account. The Stripe payout breakdown shows the sales, refunds and fees inside each payout from Stripe’s export.
Heft reads Stripe through its export file or a read-only key. It matches every payout to the sales, fees and refunds behind it and finds the deposit in your bank account. Its receipt plans collect the receipts for your payments and prepare the month for your accountant. The books for US companies are being built. Heft also reads Shopify Payments and WooCommerce, but not PayPal or Square.
The calculator uses Stripe’s standard US prices for one online payment. It leaves out custom pricing, Connect, Billing, Stripe Tax, Sigma, in-person payments and refunds. Prices checked November 10, 2026.