Stripe Fee Calculator (2026) — Domestic & International Card Processing, Conversions & Net Payout (2026)

Accurately simulate Stripe's 2.9% + $0.30 standard processing fees, international card surcharges, currency conversion spreads, and true net payout per transaction.

Quick Answer: Stripe Fee Calculator (2026) — Domestic & International Card Processing, Conversions & Net Payout

Stripe powers payments for millions of businesses worldwide, from high-growth tech startups to global enterprises. It charges a standard baseline of 2.9% + $0.30 for domestic card transactions, with optional add-ons for international cards (+1.5%), currency conversion (+1.0%), and Stripe Billing (0.5% on recurring charges).

Fee Structure & Formula

Total Stripe Fees = (Gross Amount × 2.9%) + $0.30 + (International Cards ? Gross Amount × 1.5% : 0) + (Currency Conversion ? Gross Amount × 1.0% : 0)

Frequently Asked Questions

What are standard Stripe fees in 2026?: Stripe charges 2.9% + $0.30 for standard online credit and debit card transactions in the United States.
Does Stripe charge monthly or setup fees?: No. Stripe has no setup fees, no monthly account maintenance fees, and no cancellation charges on its standard tier.
How much does Stripe charge for international cards?: Stripe adds a +1.5% surcharge for cards issued outside your home country, plus an extra 1.0% if currency conversion is required.
When are Stripe payouts transferred to my bank?: In the United States and most supported countries, Stripe operates on a rolling 2-business-day payout schedule (or instant payouts for an optional 1.0% fee).