What are Stripe fees in the US for 2026?

Stripe's standard online rate is 2.9% + $0.30 per successful card charge. In-person Terminal payments are 2.7% + $0.05. International cards add about 1.5% and currency conversion adds about 1%.

Does Stripe charge extra for international cards?

Yes. Stripe adds roughly 1.5% for cards issued outside the US, plus about 1% more if a currency conversion is required.

How much do I receive after Stripe fees?

Subtract the percentage plus fixed fee from the charge. Enter your amount and product type above to see the fee and your net.

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Seller & Marketplace Fees

US Stripe Fee Calculator

Calculate your Stripe US fees and net for Standard, Billing and Terminal payments, with optional international and currency-conversion add-ons. See the fee and what you actually receive. Updated for 2026 US rates.

You receive after fees

$96.80

Charge amount—

Base processing fee—

International + FX add-ons—

Total Stripe fee—

Effective fee rate—

Net received—

Charge split

How the charge divides between Stripe's fee and your net.

How Stripe fees work

Stripe charges a percentage plus a fixed fee per successful charge. The Standard online rate is 2.9% + $0.30. Terminal (in-person) payments are cheaper at 2.7% + $0.05, while Billing for subscriptions and invoices adds a small percentage on top of standard processing. International cards add about 1.5%, and if a currency conversion is needed Stripe adds roughly another 1%.

Because the fixed $0.30 is a bigger slice of small charges, the effective rate climbs as amounts shrink, which is why microtransactions can be surprisingly expensive on any processor.

The formula

rate = base % (+1.5% intl) (+1% conversion)
Stripe fee = charge × rate + fixed fee
net received = charge − Stripe fee

Worked example

A $100 standard online charge at 2.9% + $0.30: fee = 100 × 0.029 + 0.30 = $3.20, net $96.80. If the card is international with conversion, the rate becomes 5.4% + $0.30 = $5.70, net $94.30.

2026 Stripe US rates (typical)

Product	Rate
Standard (online cards)	2.9% + $0.30
Terminal (in-person)	2.7% + $0.05
Billing add-on	+0.5% – 0.8%
International cards	+1.5%
Currency conversion	+1%
ACH direct debit	0.8% (capped $5)

Rates are typical US figures for planning. Volume discounts and custom pricing are available for larger businesses.

Frequently asked questions

What are Stripe fees in 2026?

Standard online is 2.9% + $0.30; Terminal is 2.7% + $0.05, with add-ons for international and conversion.

How do I calculate a Stripe fee?

Multiply the charge by the percentage and add the fixed fee.

Are international cards more expensive?

Yes, about +1.5%, plus roughly +1% when currency conversion applies.

What does Stripe Billing cost?

A small percentage on top of standard processing for recurring and invoiced payments.

How much do I keep after fees?

Subtract the total Stripe fee from the charge; the tool shows it instantly.