How much is Stripe processing fee

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Accepted Answer

Stripe's standard processing fee for an online credit or debit card payment in the US is 2.9% plus $0.30 per successful transaction. There are no setup or monthly fees on the standard plan, and you pay only for successful charges.

What you actually pay depends on the country your business is registered in, the payment method your customer uses, and whether extra modifiers apply. Checking Stripe pricing for your own country and payment mix gives the rate that applies to your account.

Online cards and wallets: Visa, Mastercard, Apple Pay and similar methods cost 2.9% plus $0.30.
In-person payments: Payments taken through Stripe Terminal cost 2.7% plus $0.05.
Manually keyed cards: Card details typed in by hand cost 3.4% plus $0.30.
ACH Direct Debit: These bank debits cost 0.8%, capped at $5.00.
ACH credit: Each ACH credit payment costs a flat $1.00.
Wire payments: Each wire costs a flat $8.00.
Buy now, pay later: Options such as Affirm and Klarna cost about 5.99% to 6% plus $0.30.
Stablecoins: Stablecoin payments cost 1.5%.

Stripe adds modifiers on top of these US base rates in certain situations:

International cards: An extra 1.5% applies when the card was issued outside the US.
Currency conversion: An extra 1% applies when the payment needs to be converted.
Disputes: Each chargeback a customer files carries a $15 fee.
Stripe Billing: Subscription and recurring billing adds 0.7% on recurring volume.

Businesses registered outside the US start from different base rates:

United Kingdom: Domestic cards cost 1.5% plus £0.20.
European Union: Standard EEA cards cost 1.5% plus €0.25.
India: Domestic transactions cost between 2% and 4.3%, plus local taxes. International card payments billed in US dollars are charged 4.3%, with a 2% currency conversion fee and 18% GST on top.