Calculate Stripe processing fees for online and in-person payments. Find out the fee, your net payout, and what you lose in fees each month.
Enter how many times per month you expect this type of transaction to see your total monthly Stripe fees and net payout. Leave at 1 to see a single-transaction breakdown.
| Fee Component | Amount | How It's Calculated |
|---|---|---|
| Percentage fee | $0.00 | $0.00 × 0.00% |
| Fixed fee | $0.00 | Flat fee per transaction |
| Total Stripe fee | $0.00 | $0.00 + $0.00 |
| You receive (net) | $0.00 | Amount minus total fee |
Situation: A customer pays you $100.00 through your website using Stripe's standard online rate (2.9% + $0.30).
Calculation: Percentage fee = $100.00 × 2.9% = $2.90. Total fee = $2.90 + $0.30 = $3.20.
Calculation: Net = $100.00 − $3.20 = $96.80.
Situation: A customer taps their card on your Stripe card reader at a pop-up shop (in-person rate 2.7% + $0.05).
Calculation: Percentage fee = $50.00 × 2.7% = $1.35. Total fee = $1.35 + $0.05 = $1.40.
Calculation: Net = $50.00 − $1.40 = $48.60.
Situation: You run an online store that processes 40 sales of $250.00 each month at the online rate (2.9% + $0.30).
Calculation: Fee per sale = $250.00 × 2.9% + $0.30 = $7.25 + $0.30 = $7.55. Net per sale = $250.00 − $7.55 = $242.45.
Calculation: Monthly fees = $7.55 × 40 = $302.00. Monthly net = $242.45 × 40 = $9,698.00.
Rate = 0.029 online, 0.027 in-person, 0.034 manual entry
Fixed Fee = $0.30 online, $0.05 in-person, $0.30 manual entry
Amount = the total charged to the customer (before any Stripe fees)
| Transaction Type | Rate | Notes |
|---|---|---|
| Online card payment | 2.9% + $0.30 | Standard rate for website, invoice, and subscription payments |
| In-person / card reader | 2.7% + $0.05 | Card-present payments via Stripe Terminal or readers |
| Manually entered card | 3.4% + $0.30 | Keyed-in card details without the card present (higher fraud risk) |
These are Stripe's standard US pricing tiers as of 2025. Rates vary by country, currency, and account type, and change over time. Always confirm the current fee schedule at stripe.com/pricing.
2.9% + $0.30 online, 2.7% + $0.05 in-person. No monthly fee, no setup cost. Best for developers, custom checkouts, and businesses that want the lowest standard online rate.
2.99% + $0.49 for domestic Goods & Services payments, 4.99% + $0.49 international. On a $100 sale PayPal takes $3.48 vs. Stripe's $3.20 — Stripe saves you $0.28 per transaction.
2.9% + $0.30 on the Basic plan, dropping to 2.4% + $0.30 on Advanced. But you must pay Shopify's monthly subscription, so the effective cost is higher unless you already run a Shopify store.
In-person rates (2.7% + $0.05) beat online rates (2.9% + $0.30) on both the percentage and the fixed fee. A $100 sale costs $2.75 in person vs. $3.20 online — a 14% saving.
Keyed-in transactions cost 3.4% + $0.30 because they carry higher fraud risk. Use a card reader, hosted checkout, or invoice link instead whenever possible.
The $0.30 fixed fee makes small transactions disproportionately expensive — a $5 online sale costs $0.45 in fees (9%!). Consider minimum order values or bundling.
Stripe adjusts its fee schedule periodically and offers custom pricing for high-volume businesses. Re-run your numbers whenever rates change so your margins stay intact.
Stripe charges a simple two-part fee on nearly every transaction: a percentage of the amount plus a small fixed fee. For US accounts, the standard online rate is 2.9% + $0.30, in-person payments cost 2.7% + $0.05, and manually entered card details cost 3.4% + $0.30. Unlike many processors there is no monthly fee, no setup fee, and no minimum — you only pay when you process a payment. The fixed fee is why small transactions carry a higher effective rate: on a $10 online sale, 2.9% + $0.30 is roughly 5.9% of the amount.
2.9% + $0.30. The default rate for website checkouts, payment links, invoices, and subscriptions. On a $100 sale Stripe keeps $3.20 and you receive $96.80.
2.7% + $0.05. Card-present transactions through Stripe Terminal, card readers, or POS systems. Cheaper because the card is physically verified, reducing fraud risk.
3.4% + $0.30. Keyed-in card numbers without the card present — phone orders, virtual terminals, or one-off invoices. The higher rate reflects the elevated chargeback risk.
$0 per month. Stripe charges no subscription, no setup fee, and no monthly minimum. You pay purely per successful transaction, which keeps it cheap for low-volume sellers.
Because Stripe's fee is a percentage plus a flat amount, the smallest transactions get hit hardest in relative terms. A $5 online sale costs $0.45 in fees (9%), while a $500 sale costs $14.80 (2.96%). If you want to pass fees along or simply know your true margin, the key number is your net payout — what actually lands in your bank account after Stripe takes its cut. For recurring businesses, multiply by your monthly transaction count: 100 sales of $100 online means $320.00 in monthly fees and a $9,680.00 net payout.
Example: $100.00 online → $100.00 × 0.029 + $0.30 = $3.20 fee, $96.80 net.
Example: $50.00 in-person → $50.00 × 0.027 + $0.05 = $1.40 fee, $48.60 net.
Monthly: Fee × transactions and Net × transactions (e.g., $3.20 × 40 = $128.00/month).
⚠️ Disclaimer: The rates shown here are Stripe's standard US pricing as of 2025 and can change at any time. Stripe custom pricing applies to high-volume businesses, and rates vary by country, currency, and account type. International card fees and currency conversion spreads are not included in the results. Always check stripe.com/pricing for the current fee schedule before pricing your products. Figures are estimates for educational purposes, not financial advice.