Calculate Your Stripe Fees
Select your country, adjust the transaction amount and volume, and see exactly what Stripe charges you per transaction and per year. Toggle international cards, currency conversion, and invoicing fees to see the full picture.
+0.5% for manually entered cards
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for United States. Fees are in USD. Actual fees may vary.
Did you know?
On top of these processing fees, Stripe charges an extra 0.4% per invoice if you use Stripe Invoicing.
We can help you eliminate that fee entirely.
How Stripe Fees Work
Stripe uses a percentage + fixed fee model for payment processing. Every transaction incurs two components: a percentage of the transaction amount and a small fixed fee in your local currency. For example, in the US it's 2.9% + $0.30 per successful card charge.
Additional fees may apply depending on the card type (domestic vs. international), whether currency conversion is needed, and whether you use features like Stripe Invoicing or Stripe Radar for fraud detection.
The fixed fee component means that smaller transactions have a higher effective fee rate. A $10 transaction in the US costs $0.59 in fees (5.9% effective rate), while a $1,000 transaction costs $29.30 (2.93% effective rate). This is important to consider when pricing your products.
Stripe does not charge setup fees, monthly fees, or cancellation fees on their standard pricing. You only pay when you process a payment. However, some optional features like Stripe Tax, Stripe Radar for Fraud Teams, and Stripe Invoicing carry additional per-transaction fees.
Stripe Fees by Country โ Complete List
Stripe operates in 40+ countries, each with different fee structures. Below is a complete breakdown of Stripe's standard fees for every supported country, organized by region. Domestic rates apply when the card is issued in the same country as your Stripe account. International rates apply for cards issued elsewhere.
Americas
Stripe's fees in the Americas range from 2.9% in the US and Canada to 3.99% in Brazil. The US and Canada also charge an additional 0.5% for manually entered card numbers (card-not-present without saved credentials).
| Country | Domestic Rate | Fixed Fee | Intl Rate | Conv. Fee | Currency |
|---|---|---|---|---|---|
| ๐บ๐ธ United States | 2.9% | $0.30 | 4.4% | 1% | USD |
| ๐จ๐ฆ Canada | 2.9% | C$0.30 | 3.7% | 2% | CAD |
| ๐ง๐ท Brazil | 3.99% | R$0.39 | 3.99% | 2% | BRL |
| ๐ฒ๐ฝ Mexico | 3.6% | MX$3.00 | 4.1% | 2% | MXN |
US and Canada: +0.5% for manually entered cards. Brazil domestic and international rates are the same.
Europe
European Stripe accounts benefit from the lowest domestic rates globally โ just 1.5% for standard EEA cards. The EU regulates interchange fees, which is why processing is cheaper. Premium EEA cards (corporate, commercial) are charged at 1.9%. UK cards are treated as international in EU accounts at 2.5%, and non-EEA international cards at 3.25%. Norway and Switzerland have higher domestic rates.
| Country | Domestic Rate | Fixed Fee | Intl Rate | Conv. Fee | Currency |
|---|---|---|---|---|---|
| ๐ฌ๐ง United Kingdom | 1.5% | ยฃ0.20 | 3.25% | 2% | GBP |
| ๐ฌ๐ฎ Gibraltar | 1.5% | ยฃ0.20 | 3.25% | 2% | GBP |
| ๐ฆ๐น Austria | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ง๐ช Belgium | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ญ๐ท Croatia | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐จ๐พ Cyprus | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ช๐ช Estonia | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ซ๐ฎ Finland | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ซ๐ท France | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฉ๐ช Germany | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฌ๐ท Greece | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฎ๐ช Ireland | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฎ๐น Italy | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฑ๐ป Latvia | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฑ๐น Lithuania | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฑ๐บ Luxembourg | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ฒ๐น Malta | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ณ๐ฑ Netherlands | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ต๐น Portugal | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ธ๐ฐ Slovakia | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ธ๐ฎ Slovenia | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ช๐ธ Spain | 1.5% | โฌ0.25 | 3.25% | 2% | EUR |
| ๐ง๐ฌ Bulgaria | 1.5% | 0.50 ะปะฒ | 3.25% | 2% | BGN |
| ๐จ๐ฟ Czech Republic | 1.5% | 6.50 Kฤ | 3.25% | 2% | CZK |
| ๐ฉ๐ฐ Denmark | 1.5% | 1.80 kr | 3.25% | 2% | DKK |
| ๐ญ๐บ Hungary | 1.5% | 85 Ft | 3.25% | 2% | HUF |
| ๐ฑ๐ฎ Liechtenstein | 1.5% | CHF 0.30 | 3.25% | 2% | CHF |
| ๐ณ๐ด Norway | 2.4% | 2.00 kr | 3.25% | 2% | NOK |
| ๐ต๐ฑ Poland | 1.5% | 1.00 zล | 3.25% | 2% | PLN |
| ๐ท๐ด Romania | 1.5% | 1.00 lei | 3.25% | 2% | RON |
| ๐ธ๐ช Sweden | 1.5% | 1.80 kr | 3.25% | 2% | SEK |
| ๐จ๐ญ Switzerland | 2.9% | CHF 0.30 | 3.25% | 2% | CHF |
EU Euro-zone countries share the same fee structure. Premium EEA cards: 1.9%. UK cards in EU accounts: 2.5%. Non-Euro EU countries use local currency for the fixed fee.
Asia-Pacific
Asia-Pacific fees vary widely โ from 1.7% in Australia to 3.65% in Thailand. India offers the lowest rates at 2% for domestic Visa/MC with no fixed fee. Japan has a flat 3.6% rate with no fixed fee. Singapore and Hong Kong share the same 3.4% rate. Many APAC countries charge a 2% currency conversion fee on international transactions.
| Country | Domestic Rate | Fixed Fee | Intl Rate | Conv. Fee | Currency |
|---|---|---|---|---|---|
| ๐ฆ๐บ Australia | 1.7% | A$0.30 | 3.5% | 2% | AUD |
| ๐ณ๐ฟ New Zealand | 2.7% | NZ$0.30 | 3.7% | 2% | NZD |
| ๐ฏ๐ต Japan | 3.6% | ยฅ0 | 3.6% | 2% | JPY |
| ๐ธ๐ฌ Singapore | 3.4% | S$0.50 | 3.4% | 2% | SGD |
| ๐ญ๐ฐ Hong Kong | 3.4% | HK$2.35 | 3.4% | 2% | HKD |
| ๐ฎ๐ณ India | 2% | โน0 | 3% | 2% | INR |
| ๐ฒ๐พ Malaysia | 3% | RM 1.00 | 4% | 2% | MYR |
| ๐น๐ญ Thailand | 3.65% | เธฟ10 | 4.75% | 2% | THB |
India: Domestic Visa/MC 2%, International Visa/MC 3%, International Amex 3.5%. Japan: single flat rate for all cards. Singapore & Hong Kong: +0.5% for international cards settled in USD.
Middle East & Africa
The UAE is currently the only Middle Eastern country with direct Stripe support. Domestic card rates are 2.9% + AED 1.00, with international cards at 3.9% + 1% currency conversion. Stripe continues to expand into new markets โ check Stripe's website for the latest supported countries.
| Country | Domestic Rate | Fixed Fee | Intl Rate | Conv. Fee | Currency |
|---|---|---|---|---|---|
| ๐ฆ๐ช United Arab Emirates | 2.9% | AED 1.00 | 3.9% | 1% | AED |
UAE rates apply to cards issued within the UAE. International rates apply to all other cards.
Stripe Fee Structure Explained
Understanding Stripe's layered fee structure helps you predict costs accurately. Here's how each fee component works:
Base processing fee: The percentage + fixed fee charged on every successful transaction. This covers card network fees (Visa, Mastercard interchange), bank processing, and Stripe's margin. Refunded transactions still incur the fixed fee portion.
International card surcharge: When a customer's card is issued in a different country than your Stripe account, Stripe charges a higher percentage rate. This covers additional interchange fees charged by card networks for cross-border transactions.
Currency conversion fee: Applied when the payment currency differs from your settlement currency. Typically 1-2% depending on your country. You can avoid this by accepting payments in your settlement currency or by using Stripe's multi-currency settlement feature.
Invoicing fee: An additional 0.4% (capped at $2 equivalent) charged when you send invoices through Stripe Invoicing. This is completely separate from the processing fee and can be eliminated by using a third-party invoicing tool.
Effective rate: Your true cost per transaction. It's calculated as total fees รท transaction amount ร 100. Due to the fixed fee component, effective rates are higher for small transactions and approach the base percentage rate for large transactions.
How to Reduce Your Stripe Fees
While Stripe's core processing fees are non-negotiable for most businesses, there are several proven ways to minimize your total Stripe costs:
- Eliminate the invoicing fee โ Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee. Saves $100โ$2,400+/year depending on volume. Setup takes under a minute.
- Minimize currency conversions โ Accept payments in your settlement currency when possible. If you have customers in multiple countries, consider using Stripe's multi-currency settlement or opening Stripe accounts in those regions.
- Encourage local payment methods โ Bank transfers (ACH in the US, SEPA in the EU) typically cost 0.8% capped at $5, much cheaper than card processing. Offer them as alternatives for larger invoices.
- Reduce disputes โ Clear billing descriptors, responsive customer support, and transparent refund policies help prevent the $15 chargeback fee. Use Stripe's basic Radar (free) to block suspicious transactions.
- Use standard payouts โ Avoid instant payouts (1% fee) unless cash flow demands it. The standard 2-day payout schedule is free.
- Negotiate at volume โ If you process over $100K/month, contact Stripe for custom pricing. Large-volume businesses can negotiate lower percentage rates, sometimes saving 0.2-0.5% per transaction.
- Optimize your payment flow โ Save card details for returning customers to avoid the +0.5% manually entered card surcharge (US/Canada). Use Stripe Elements or Checkout for the best conversion and lowest fees.
- Review your Stripe add-ons โ Audit which paid features you're using (Radar for Fraud Teams, Stripe Tax, Sigma). Disable any you're not actively benefiting from.
Stripe Fees vs Competitors
How does Stripe's pricing compare to other payment processors? Here's a comparison of standard US rates:
| Provider | Domestic Rate | International | Monthly Fee | Invoicing Fee |
|---|---|---|---|---|
| Stripe | 2.9% + $0.30 | 4.4% + $0.30 | None | 0.4% (max $2) |
| PayPal | 2.99% + $0.49 | 4.4% + fixed | None | Free |
| Square | 2.9% + $0.30 | 3.5% + $0.30 | None | Free |
| Braintree | 2.59% + $0.49 | 3.59% + $0.49 | None | N/A |
| Adyen | Interchange++ | Interchange++ | None | N/A |
Stripe vs PayPal: Stripe has lower domestic rates (2.9% vs 2.99%) and a lower fixed fee ($0.30 vs $0.49). PayPal includes free invoicing, while Stripe charges 0.4%. For businesses sending invoices, the total cost may be similar unless you eliminate Stripe's invoicing fee with Stripdo.
Stripe vs Square: Both charge 2.9% + $0.30 for online payments. Square includes free invoicing and a free POS system. Stripe offers better developer tools, more payment methods, and international support.
Stripe vs Braintree: Braintree (owned by PayPal) offers lower domestic rates at 2.59% but a higher fixed fee of $0.49. Braintree is better for high-value transactions, while Stripe wins on smaller payments due to the lower fixed fee.
Stripe vs Adyen: Adyen uses interchange++ pricing (actual interchange + markup), which can be cheaper for large-volume businesses. Stripe's flat-rate pricing is simpler and more predictable for smaller businesses.
Stripe Fees Calculator FAQ
What fees does Stripe charge?
Stripe charges a payment processing fee on every transaction (e.g. 2.9% + $0.30 in the US for domestic cards). Additional fees may apply for international cards, currency conversion, invoicing, disputes, and certain payment methods. Fees vary by country.
How much does Stripe charge for international cards?
International card fees vary by country. In the US, Stripe adds 1.5% on top of the standard rate for international cards, plus an optional 1% currency conversion fee. In the EU, international (non-EEA) cards are charged at 3.25% + fixed fee.
What is Stripe's invoicing fee?
Stripe charges an additional 0.4% fee (capped at $2) on every invoice sent through Stripe Invoicing. This is separate from the payment processing fee. You can avoid this fee by using a third-party invoicing tool like Stripdo.
Does Stripe charge different fees in different countries?
Yes. Stripe's fees vary significantly by country. For example, domestic card rates range from 1.5% in the EU to 3.99% in Brazil. Fixed fees also differ based on local currency. Use the calculator above to see exact fees for your country.
How can I reduce my Stripe fees?
You can't reduce Stripe's core processing fees, but you can eliminate the 0.4% invoicing fee by using Stripdo instead of Stripe Invoicing. You can also minimize international card fees by accepting local payment methods and avoiding unnecessary currency conversions.
What is the currency conversion fee?
When a payment requires currency conversion (e.g. a customer pays in EUR but you settle in USD), Stripe charges an additional 1-2% on top of the standard processing fee. The exact rate depends on your country and the card type.
Are Stripe fees tax-deductible?
Yes. Stripe processing fees are a business expense and are generally tax-deductible. Consult your accountant for specifics related to your jurisdiction and business structure.
How accurate is this calculator?
The calculator uses Stripe's publicly listed pricing for each country. Actual fees may vary based on your specific Stripe plan, negotiated rates, or payment method mix. It provides a reliable estimate for standard pricing.
Does Stripe offer volume discounts?
Yes. Businesses processing over $100,000 per month can contact Stripe for custom pricing. Volume discounts are negotiated on a case-by-case basis and typically reduce the percentage fee while keeping the fixed fee the same.
What's the difference between Stripe Standard and Stripe Custom pricing?
Stripe Standard uses published rates (e.g. 2.9% + $0.30 in the US). Stripe Custom pricing is available for high-volume businesses and offers negotiated lower rates. Custom pricing requires contacting Stripe's sales team directly.
Why does Stripe charge more for international cards?
International card transactions involve additional processing through multiple banking networks across borders. The higher fees cover interchange costs charged by card networks (Visa, Mastercard) for cross-border transactions, plus the additional fraud risk associated with international payments.
How do Stripe fees compare to PayPal?
Stripe and PayPal have similar base rates for US domestic cards (2.9% + $0.30). However, Stripe tends to be cheaper for international transactions and offers more transparent pricing. PayPal charges 4.4% + fixed fee for international transactions, while Stripe charges 3.9% + $0.30 + 1% conversion in the US.
Ready to stop overpaying?
Set up in under a minute. No code, no per-invoice fees.