How much does a Stripe account cost
A Stripe account costs nothing to open or keep, with no setup, monthly or termination fees; Stripe only charges when you successfully process a payment.
Because billing is pay as you go, an account you open but never use does not generate any charges. Costs start once you accept payments, and they are usually a percentage of each transaction plus a fixed amount, with rates that differ by region.
- United States online cards: 2.9% plus $0.30 for each successful card payment.
- European Union cards: 1.5% plus €0.25 for standard European Economic Area cards.
- United Kingdom cards: 1.5% plus £0.20 for standard UK cards.
- In-person payments (US): 2.7% plus $0.05 when using a Stripe Terminal card reader.
- ACH Direct Debit (US): 0.8% per payment, capped at $5.00.
Standard Stripe pricing can rise when a payment needs extra handling or when you switch on optional tools. These add-ons sit on top of the base rate.
- International cards: An additional 1.5% applies to cards issued outside your home region.
- Currency conversion: An extra 1% for US accounts, or 2% for accounts outside the US, when a payment has to be converted.
- Disputes: A $15 fee is charged each time a customer disputes a charge.
- Stripe Billing: 0.7% of billing volume if you use Stripe's tools for recurring subscriptions.
- Stripe Invoicing: 0.4% for each paid one-off invoice, up to $2.00 per invoice.
Before estimating your costs, confirm the rates for the country your business is based in and whether you will sell one-time products or subscriptions, since both affect which fees apply.