🇺🇸 Free Calculator • Updated Jan 3, 2025
Stripe US Fee Calculator 2025 - Calculate Stripe Fees for US Businesses
Free Stripe US fee calculator. Calculate Stripe fees (2.9% + $0.30) for US businesses. Includes international card fees and in-person rates.
$
Amount you'll charge (USD)
$
What you paid for the item/service
$
Shipping, packaging, etc.
Total Stripe United States Fees
$3.20
3.20% of payment
You Receive
$96.80
After Stripe fees
Your Profit
$71.80
71.80% margin
ROI (Return on Investment)
359.00%
On $20.00 investment
Effective Fee Rate
3.20%
All fees combined
Fee Breakdown
Percentage Fee (2.90%)$2.90
Fixed Fee$0.30
Total Stripe Fees$3.20
Profit Calculation
Payment Amount$100.00
- Stripe Fees$3.20
= Net Revenue$96.80
- Item/Service Cost$20.00
- Other Costs$5.00
= Profit$71.80
Compare Stripe United States Card Types
| Card Type | Fee Rate | Fees on $100.00 | You Receive |
|---|---|---|---|
| Domestic Cards | 2.9% + $0.30 | $3.20 | $96.80 |
| International Cards | 4.4% + $0.30 | $4.70 | $95.30 |
| In-Person (Terminal) | 2.7% + $0.05 | $2.75 | $97.25 |
💡 Stripe United States Tips
• Domestic cards: 2.9% + $0.30 per transaction
• International cards: +1.5% additional fee
• In-person (Terminal): 2.7% + $0.05 domestic
• Currency conversion: +1% if required
• Manually entered cards: +0.5% additional
• No monthly fees or setup fees
• Volume discounts available for large businesses
Stripe US Fee Structure 2025
Stripe offers transparent, pay-as-you-go pricing with no monthly fees. Here’s the complete fee structure for US businesses:
Stripe US Transaction Fees
| Card Type | Fee Rate | Fixed Fee | Best For |
|---|---|---|---|
| Domestic Cards | 2.9% | $0.30 | Most US transactions |
| International Cards | 4.4% | $0.30 | Foreign customers |
| In-Person (Terminal) | 2.7% | $0.05 | Retail, events |
| Link (Accelerated) | 2.9% | $0.30 | Returning customers |
| ACH Direct Debit | 0.8% | - | Bank transfers ($5 cap) |
Additional Fees
- Manually entered cards: +0.5%
- Currency conversion: +1%
- Disputes/Chargebacks: $15 per dispute
- Instant payouts: 1% ($0.50 minimum)
💡 Stripe vs PayPal Comparison
For a $100 transaction:
- Stripe: $3.20 (2.9% + $0.30)
- PayPal Checkout: $3.98 (3.49% + $0.49)
- You save: $0.78 per transaction with Stripe!
When to Use Stripe vs PayPal
| Use Stripe When | Use PayPal When |
|---|---|
| Building custom checkout | Buyer prefers PayPal |
| Subscription/recurring billing | Need buyer protection trust |
| International selling | Selling on Grailed/Depop |
| Developer-focused features | Quick peer-to-peer payments |
Stripe Fee Examples
| Sale Price | Domestic Fee | International Fee | You Receive (Domestic) |
|---|---|---|---|
| $25 | $1.03 | $1.40 | $23.97 |
| $50 | $1.75 | $2.50 | $48.25 |
| $100 | $3.20 | $4.70 | $96.80 |
| $250 | $7.55 | $11.30 | $242.45 |
| $500 | $14.80 | $22.30 | $485.20 |
| $1,000 | $29.30 | $44.30 | $970.70 |
⚠️ Important Stripe Policies
- No monthly fees - only pay when you process
- Dispute fee: $15 per chargeback (waived if you win)
- PCI compliant - Stripe handles card security
- Volume discounts available for $80k+/month
- Custom pricing for enterprise businesses
Stripe for Different Business Types
E-commerce Stores
- Best for: Custom checkout flows, subscriptions
- Use Stripe Checkout for quick setup
- Payment Links for no-code selling
SaaS & Subscriptions
- Use Stripe Billing for recurring payments
- Smart Retries reduce failed payments
- Customer portal for self-service
Marketplaces & Platforms
- Stripe Connect for multi-party payments
- Split payments automatically
- Onboard sellers quickly
In-Person Retail
- Stripe Terminal from 2.7% + $0.05
- Card readers: $59-$349
- Unified online/offline reporting
Frequently Asked Questions
What are Stripe US fees in 2025?
Stripe US charges 2.9% + $0.30 for domestic card transactions. International cards add 1.5%, and currency conversion adds 1%. In-person Terminal transactions are 2.7% + $0.05.
How much does Stripe take from a $100 payment?
For a $100 domestic card payment: 2.9% ($2.90) + $0.30 = $3.20 total. You receive $96.80.
Is Stripe cheaper than PayPal?
Yes, for most online transactions. Stripe charges 2.9% + $0.30 vs PayPal's 3.49% + $0.49 for checkout. Stripe saves you about 0.8% per transaction.
Does Stripe have monthly fees?
No, Stripe has no monthly fees, setup fees, or cancellation fees. You only pay per transaction.
What are Stripe Terminal fees?
Stripe Terminal (in-person) charges 2.7% + $0.05 for domestic cards, plus card reader costs ($59-$349).
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