Question 1

What does Stripe charge per transaction?

Accepted Answer

Stripe's standard published rate for online card payments is 2.9% + $0.30 for domestic US cards, with international cards adding roughly 1.5% more. Rates vary by country.

Question 2

How do I calculate the price to charge to receive a specific net amount?

Accepted Answer

charge = (target net + fixed fee) / (1 − fee percentage). For a $100 target at 2.9% + $0.30: charge ≈ $103.30.

Question 3

Are Stripe Billing, Tax, and ACH extra fees?

Accepted Answer

Yes — Billing adds ~0.5–0.8%, Tax adds ~0.5% per transaction, and ACH is typically 0.8% capped instead of the card rate.

Question 4

Is Stripe cheaper than PayPal?

Accepted Answer

For most online card payments, yes — 2.9% + $0.30 beats PayPal's standard 3.49% + $0.49 at nearly every price point.

Question 5

Do Stripe fees change at higher volume?

Accepted Answer

Yes — Stripe offers custom pricing once you're processing significant monthly volume; below that everyone pays the same published rate.

Question 6

Does this calculator account for disputes or refunds?

Accepted Answer

No — refunds typically return the processing fee but not the fixed fee, and disputes carry a separate flat fee. This tool estimates standard processing only.

How much does Stripe actually take?

Stripe vs. PayPal vs. Square, by transaction size

Common questions about Stripe fees

Stop guessing your net revenue.