Enter Transaction Details

🇺🇸 USA: 2.9% + $0.30

Transaction Amount

Country / Region

Card Type

International cards (issued outside your country) are charged a higher rate by Stripe. This typically applies to foreign customers.

Net Fee

⚖️ Compare with PayPal 💡 Tips to Reduce Fees

Fee Breakdown

Gross Charge $100.00

Percentage Fee (3.19%) −$3.19

↳ % component −$2.90

↳ fixed component −$0.30

            You Receive (Net)
            $96.81
          

Comparison

Stripe vs PayPal — Which Costs Less?

Fee structures vary significantly depending on your transaction type, volume, and country. Here's a quick side-by-side.

Feature	Stripe (USA)	PayPal Standard	Winner
Standard Rate	2.9% + $0.30	3.49% + $0.49	✓ Stripe
Monthly Fees	None	None	Tie
Payout Speed	2 business days	1–3 business days	Tie
Developer API	Industry-leading	Limited	✓ Stripe
Subscription Billing	Stripe Billing (native)	PayPal Subscriptions	✓ Stripe
Buyer Recognition	Lower	Very High	✓ PayPal
Chargeback Fee	$15	$20	✓ Stripe
Internat'l Cards (USA)	+1.5%	+1.5%	Tie

Save Money

5 Ways to Reduce Your Stripe Fees

🏦

Use ACH / Bank Transfers

ACH Direct Debit costs just 0.8%, capped at $5. Massive savings on large B2B invoices.

📦

Batch Transactions

Combine multiple small purchases into one larger charge to avoid multiple fixed fees.

📈

Negotiate Volume Pricing

Processing $80k+/month? Contact Stripe's sales team for custom lower rates.

🔁

Reduce Chargebacks

Each chargeback costs $15. Use Stripe Radar and clear billing descriptors to prevent them.

💳

Encourage Debit Cards

Debit cards often cost less than credit cards. Highlight the option at checkout.

FAQ

Frequently Asked Questions

Stripe charges a percentage of the transaction amount plus a fixed fee per transaction. For example, in the USA: Fee = (Amount × 2.9%) + $0.30. This fee is automatically deducted from each successful payment before it's deposited into your bank account.

No. Stripe's basic payment processing has zero monthly fees, setup fees, or cancellation fees. You only pay per successful transaction. Advanced features like Stripe Billing, Stripe Radar Advanced, or custom risk management may have additional costs.

In most countries, Stripe charges the same rate for both credit and debit cards at the standard processing fee. However, in some regions and for certain card types (like premium rewards credit cards), interchange fees may vary. Stripe absorbs this variance at their standard rates unless you use Stripe's Interchange++ pricing.

Stripe updated their EU pricing model and introduced more granular country-specific rates. UK businesses saw a small adjustment post-regulatory changes. The core USA rate (2.9% + $0.30) remains unchanged. Stripe also updated their dispute fee to $15 (from $15) and launched lower rates for ACH and SEPA bank transfers.

This calculator uses Stripe's publicly published standard rates. Actual fees may vary if you've negotiated custom rates, use Interchange++ pricing, process international cards (which may incur extra fees), or use specific Stripe products. Always confirm current rates at stripe.com/pricing.

Stripe Fee Calculatorfor Every Country

Stripe vs PayPal — Which Costs Less?

5 Ways to Reduce Your Stripe Fees

Frequently Asked Questions

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