How much does Stripe take from $40?

Stripe takes $1.46 from a $40 transaction in the USA — an effective rate of 3.65%.

Is Stripe cheaper than PayPal on $40?

Yes. Stripe charges $1.46 vs PayPal $1.89 on $40. Stripe saves $0.43.

Charge $41.5. Formula: ($40 + $0.30) / (1 - 0.029) = $41.5.

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In the USA, the Stripe fee on $40 is $1.46 (2.9% + $0.30). You receive $38.54 after fees.

Exact Stripe fees for a $40 transaction across all major countries. Updated 2026.

USA — $40 charge Fee: −$1.46 You receive: $38.54 Formula: ($40 × 2.9%) + $0.30

All Countries

Country	Stripe Rate	Fee on $40	You Receive	Effective %
🇺🇸 USA	2.9% + $0.30	−$1.46	$38.54	3.65%
🇬🇧 UK	1.5% + £0.20	−£0.8	£39.2	2.00%
🇨🇦 Canada	2.9% + CA$0.30	−CA$1.46	CA$38.54	3.65%
🇦🇺 Australia	1.7% + A$0.30	−A$0.98	A$39.02	2.45%
🇩🇪 Germany	1.5% + €0.25	−€0.85	€39.15	2.12%
🇮🇳 India	2.0% + ₹0.00	−₹0.8	₹39.2	2.00%
🇸🇬 Singapore	3.4% + S$0.50	−S$1.86	S$38.14	4.65%
🇯🇵 Japan	3.6% + ¥0.00	−¥1.44	¥38.56	3.60%

Calculation

    Fee = ($40 × 2.9%) + $0.30

    Fee = $1.16 + $0.30 = $1.46

    Net = $40 − $1.46 = $38.54

💡 Want to net exactly $40?
Charge your customer $41.5 and Stripe's cut leaves you with exactly $40.

⚖️ Stripe vs PayPal on $40
PayPal charges $1.89 (3.49% + $0.49) vs Stripe's $1.46. Stripe saves $0.43 per transaction.

FAQ

In the USA, Stripe charges $1.46 on a $40 transaction (2.9% + $0.30). You receive $38.54. Rates differ by country — see the table above.

Yes. Stripe charges $1.46 vs PayPal's $1.89 on $40 in the USA. Stripe saves $0.43 per transaction. On 100 transactions, that's $43.0 saved.

Charge your customer $41.5. Formula: ($40 + $0.30) ÷ (1 − 0.029) = $41.5. Stripe takes its cut and you net exactly $40.