How much does Stripe take from payments

Question

Accepted Answer

Stripe takes 2.9% plus $0.30 from each successful online card payment on its standard US pricing. The final amount depends on the payment method, where the customer is and any add-on products.

Rates for US accounts vary by how the customer pays:

Online cards: 2.9% plus $0.30 for Visa, Mastercard, American Express, Discover, Apple Pay and Google Pay.
In-person with Stripe Terminal: 2.7% plus $0.05 per charge.
Manually entered cards: 3.4% plus $0.30 when card details are typed in.
ACH Direct Debit: 0.8%, capped at $5 per payment.
ACH credit and wires: A flat $1.00 for ACH credit and $8.00 for wires.
Buy now, pay later: 5.99% plus $0.30 for instalment options such as Klarna or Affirm.

Cross-border payments add further charges on top of the base rate:

International cards: An extra 1.5% when the card was issued outside the US.
Currency conversion: An extra 1% when Stripe converts the payment into your payout currency.
Disputes: A $15 fee per chargeback, which is returned if you win the dispute.

Stripe's business tools also take a share of each payment:

Stripe Billing: 0.7% of billing volume for recurring subscriptions.
Stripe Tax: 0.5% per transaction for automatic sales tax and VAT calculation.
Managed Payments: 3.5% of each successful transaction, with Stripe handling indirect tax, fraud prevention and disputes as merchant of record.

Rates differ outside the US. For example, Stripe lists 2.99% plus 40 cents for some local payment methods in Denmark, Finland, Norway and Sweden. Check Stripe pricing for your own country and payment mix, since these fees can stack on a single transaction.