How much does Stripe charge
How Much Does Stripe Charge Per Transaction?
Short answer: for many US online cards Stripe starts at 2.9% + $0.30 per successful charge (about $3.20 on $100). The real percentage you pay can be higher once small charges, international cards, currency conversion, refunds, and other Stripe fee lines show up.
Quick Stripe percentage calculator
Estimate one card charge by account country, then compare it with your real blended rate from a Balance CSV.
Effective on this charge
3.20%
$3.20 total fee
Fee breakdown
Rates reflect published United States card pricing. Your real Stripe percentage depends on the full mix of charges, refunds, disputes, other fee lines, and month-to-month customer mix.
The answer depends on the payment mix
Standard US online card
2.9% + $0.30
The common headline rate for many US online card payments.
Small payments
Often 4%+
The fixed $0.30 fee can dominate $5-10 subscriptions or add-ons.
International card
Often 4.4%+
International cards can add 1.5 percentage points before FX.
International + FX
Often 5%+
Currency conversion can add roughly another percentage point.
How to calculate the actual percentage
For one transaction, divide the Stripe fee by the charge amount. For your business, use the blended rate across a full period:
That is the number that tells you what Stripe actually took from your revenue. A single $100 domestic card charge may look close to 3.2%, but a real month can land at 3.8%, 4.2%, or higher depending on customer geography and transaction size.
Check your real Stripe percentage from CSV
A public calculator can estimate one charge. Your Stripe Balance CSV shows what happened across all charges, refunds, and fee lines. Upload it to see your processing rate, all-in Stripe cost, monthly trend, and top fee drivers.
Prefer a published-rate estimate first? Use the Stripe fees calculator, then verify with CSV. No OAuth. Raw CSV files are not stored.
Common questions
How much does Stripe charge per transaction?
For many US online card payments, Stripe charges 2.9% + $0.30 per successful domestic card transaction. On $100 that is about $3.20. International cards often add about 1.5 percentage points, and currency conversion can add roughly another 1%. Your blended rate across a month is usually higher than any single published line — check it from your Balance CSV.
What percentage does Stripe take from a payment?
For many US online card payments, Stripe's published rate starts at 2.9% plus $0.30 per successful charge. The effective percentage on a single charge depends on the charge amount because the fixed $0.30 fee is larger on small payments.
Why is my real Stripe rate higher than 2.9%?
International cards, currency conversion, Stripe Billing fees, refunds, disputes, Radar, and small transaction sizes can all push your real blended Stripe rate above the headline percentage.
How do I check the actual percentage Stripe took?
Export your itemized Stripe Balance CSV, sum charge volume, sum Stripe fees, and divide fees by volume. Stripe Fee Auditor does this from your Balance CSV and separates processing rate from all-in Stripe cost. You can also start with the free Stripe fees calculator for a published-rate estimate.