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Stripe

Stripe Fee Calculator (United States)

Calculate exact Stripe United States merchant fees, processor losses, and net payouts in USD.

Verified 2026-08-01 • Official Stripe Rates
$
$5 $500 $1,000 $2,500
Presets:
Model: 2.9% + $0.3
Summary
Your Net Payout
$96.80
Stripe Fee
$3.20
Effective Rate
3.20%
Net (96.8%) Fee (3.2%)
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Monthly Volume Breakdown

Estimated cumulative fee losses on Stripe across monthly sales tiers in USD.

Volume Tier Monthly Sales Stripe Fees Net Take-Home Payout Effective Cost %
Starter $500.00 -$20.50 $479.50 4.10%
SMB Merchant $2,500.00 -$81.68 $2,393.33 3.30%
Mid-Market Store $10,000.00 -$313.74 $9,646.26 3.15%
High-Volume Enterprise $50,000.00 -$1,510.00 $48,490.00 3.02%

Example Transaction Scenarios

Real-world math illustrating how Stripe fees perform under different order sizes.

Micro-Transaction ($5 Digital Asset)

Sale Amount: $5.00
Stripe Fee: -$0.45 (8.90%)
Net Payout: $4.55

Severe impact of the $0.30 fixed fee. At $5, the effective fee rate spikes to nearly 9%.

Average E-Commerce Basket ($120)

Sale Amount: $120.00
Stripe Fee: -$3.78 (3.15%)
Net Payout: $116.22

Standard domestic processing range, closely aligning with the advertised 2.9% base percentage.

High-Ticket B2B Invoice ($3,500)

Sale Amount: $3500.00
Stripe Fee: -$101.80 (2.91%)
Net Payout: $3398.20

The fixed $0.30 fee becomes negligible at higher values, bringing effective costs down to 2.91%.

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Important Stripe Rate Terms & Fine Print

  • • Stripe does NOT refund processing fees when you issue a customer refund.
  • • Stripe Radar advanced fraud protection adds $0.05 per transaction if enabled.
  • • Instant Payouts incur an extra 1.0% fee (minimum $0.50 per transfer).

Regulatory Context & Calculation Methodology

Localized Regulatory Context (United States)

In the United States, Stripe charges a blended flat-rate pricing model (2.9% + $0.30) for standard card processing. While domestic debit cards are subject to federal Durbin Amendment caps, flat-rate pricing absorbs this spread unless you qualify for custom Interchange-Plus (IC+) pricing at >$80,000/month volume.

How the Stripe United States Calculation Works

When processing a transaction on Stripe in United States, the total fee is computed using a combination of a fixed transaction charge ($0.3) and a percentage fee (2.9%).

Total Fee = (Gross Sale × 2.9%) + $0.3
Net Payout = Gross Sale - Total Fee
Effective Rate (%) = (Total Fee / Gross Sale) × 100

Frequently Asked Questions

Common merchant processing questions and rate card rules.

What is the Stripe fee for a $100 transaction in the US?
For a standard domestic US card transaction of $100, Stripe charges 2.9% ($2.90) plus a $0.30 fixed fee. Your total processing fee is $3.20, leaving you with a net payout of $96.80.
Does Stripe charge extra for international credit cards in the US?
Yes. Stripe charges an additional 1.5% for international cards, plus an extra 1.0% if currency conversion is required (totaling +2.5% over base rates).
Are Stripe fees refunded when issuing a customer refund?
No. Per Stripe's official policy, original processing fees (2.9% + $0.30) are not returned to the merchant when a full or partial refund is processed.
What is the difference between Stripe flat-rate and Interchange-Plus pricing?
Stripe's standard flat rate charges 2.9% + $0.30 regardless of card type. Interchange-Plus (IC+) pricing passes through exact card network interchange costs (e.g. 0.05% for regulated debit cards) plus a small fixed markup, typically saving high-volume merchants (> $80k/mo) 20%–40%.