📊 How Stripe Fees Stack Up
Stripe's standard US rate is 2.9% + $0.30, but international cards (+1.5%), currency conversion (+1.0%), and hosted invoices (+0.4%) can push your real fee up to 4.8%.
Stripe Net Payout = Charge − [(Charge × Total Fee %) + $0.30]
📋 2026 Stripe US Rate Schedule
| Service / Card Type | 2026 Rate | When It Applies |
|---|---|---|
| Domestic Cards & Wallets | 2.9% + $0.30 | US Visa, Mastercard, Amex, Apple Pay, Google Pay |
| International Cards | +1.5% extra | Cards issued outside the US |
| Currency Conversion (FX) | +1.0% extra | When settlement currency differs from charge currency |
| ACH Direct Debit | 0.8% ($5 max cap) | Best for B2B invoices over $625 (capped at $5 flat) |
💡 Cut Stripe Fees by 90% on Large Invoices
✅ On a $2,000 client invoice, a credit card costs $58.30. Turning on ACH Direct Debit caps Stripe's 0.8% fee at $5.00 flat—saving you $53.30 instantly.
Frequently Asked Questions
When does Stripe offer volume discounts?
Once your business processes over $80,000–$100,000/month, you can request custom interchange-plus pricing from Stripe sales.
Does Stripe return the 2.9% + $0.30 fee on refunds?
No. Stripe keeps the original processing fee when you issue a refund.
How much is a Stripe chargeback fee?
Stripe charges a $15.00 dispute fee per chargeback.