Calculate Stripe transaction fees for different payment types including domestic, international, and currency conversion fees. See your net amount after fees.
Stripe charges different fees depending on the type of transaction, whether it's domestic or international, the payment method used, and if currency conversion is involved. Understanding these fees helps you price your products correctly and manage your business finances effectively.
Stripe's fee structure varies based on transaction type and location. Here are the main fee categories:
Standard Domestic Cards
2.9% + $0.30
For credit/debit cards and digital wallets (Apple Pay, Google Pay)
International Cards
3.9% + $0.30
Includes 1% cross-border fee for foreign cards
ACH Bank Transfers
0.8% (max $5)
Cost-effective for larger transactions
In-Person Payments
2.7% + $0.05
For card-present transactions with Stripe Terminal
Currency Conversion
+1-2%
Additional fee when converting currencies (1% USA, 2% most countries)
The location of the card issuer significantly impacts Stripe fees. International cards incur higher fees due to additional processing costs and currency conversion.
When the card is issued in the same country as your business:
Cross-border transactions include additional fees:
Stripe fees are calculated based on the transaction amount, payment method, and location. Here's how it works:
Percentage Fee
A percentage of the transaction amount (0.8% to 3.9% depending on payment method).
Fixed Fee
A fixed amount per transaction ($0.05 to $0.30 depending on payment method).
Cross-Border Fee
Additional 1% for international cards (included in the 3.9% rate).
Currency Conversion
Additional 1-2% when the transaction currency differs from your account currency.
Stripe's fees are competitive with other payment processors, with each offering different advantages:
Stripe: 2.9% + $0.30
Developer-friendly API, subscription support, extensive integrations
PayPal: 2.99% - 3.49% + $0.49
Wide acceptance, buyer protection, easy checkout
Square: 2.9% + $0.30
Great for in-person sales, POS hardware ecosystem
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