How Stripe processing fees are calculated
Stripe's standard US card fee combines a percentage of the successful payment with a fixed $0.30. Card-entry and cross-border conditions can add percentage points. ACH Direct Debit uses a separate percentage with a fee cap.
Card fee = amount × combined card rate + $0.30ACH fee = min(amount × 0.8%, $5.00)Net received = amount − processing feeCard additions stack
Manually entered cards add 0.5%, international cards add 1.5%, and currency conversion adds 1%. Select only conditions that apply to the same transaction.
What this estimate excludes
Custom pricing, disputes, chargebacks, refunds, failed ACH payments, bank-account validation, faster settlement, Connect, Billing, Tax, Radar, and Terminal are separate from this basic processing estimate.
Standard US Stripe rates
| Payment condition | Rate |
|---|---|
| Online domestic card | 2.9% + $0.30 |
| Manually entered card | +0.5% |
| International card | +1.5% |
| Currency conversion required | +1% |
| ACH Direct Debit | 0.8%, capped at $5 |
These are standard pay-as-you-go rates. Businesses with custom contracts should use their own fee schedule instead.
Stripe fee calculation example
A $100 domestic online card payment at 2.9% plus $0.30 produces a $3.20 processing fee.
Frequently asked questions
How much does Stripe charge for a $100 card payment?
Under Stripe's standard US online card rate of 2.9% plus $0.30, the fee on $100 is $3.20 and the business receives $96.80 before any other costs.
Does Stripe charge more for international cards?
Stripe's standard US pricing adds 1.5% for international cards. If currency conversion is required, another 1% applies.
What is Stripe's ACH Direct Debit fee?
Standard US ACH Direct Debit pricing is 0.8% per successful payment, capped at $5. Failed payments, disputes, instant verification, and optional faster settlement have separate fees.
Can I calculate how much to charge after Stripe fees?
Yes. Select Find amount to charge and EasyTry finds the lowest gross amount that reaches your desired net under the selected standard rate.
Rate sources and change log
- Stripe pricing — standard US card, international card, currency conversion, and ACH Direct Debit pricing.
- Stripe Support: manually entered cards — Dashboard and Terminal MOTO definition.
- Stripe supported currencies — presentment, settlement, and minimum charge rules.
Initial standard US card and ACH Direct Debit ruleset added.