Stripe fee percentage
What Percentage Does Stripe Actually Take?
The short answer: Stripe often starts at 2.9% + $0.30 for US online card payments. 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, then compare it with your real blended rate from a Balance CSV.
Effective on this charge
3.20%
$3.20 total fee
Fee breakdown
This is still an estimate. 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.
No OAuth. No API keys. Raw CSV files are not stored.
Common questions
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.