💳 Payment Tools – Checked September 2026

Stripe Fee Calculator 2026

Estimate net payout, reverse invoice amount, ACH vs card savings, and monthly fee projection, using each country’s own rate structure rather than one global assumption. Covers the US, UK, EU, Canada, and Australia. Free, no sign-up required.

🛡️ Runs Locally: No data is uploaded or stored. All calculations happen in your browser.
Updated September 21, 2026 Built by R.K., Creator and Business Economics Analyst

What is Stripe’s fee per transaction in 2026?

Stripe’s standard US fee is 2.9% + $0.30 per successful online card transaction. In-person payments via Terminal cost 2.7% + $0.05. Manually keyed entry costs 3.4% + $0.30. ACH Direct Debit costs 0.8%, capped at $5. US international cards add +1.5%, and US currency conversion adds +1%, other countries have their own international and conversion surcharges rather than these same numbers. Dispute fees are $15 in the US, other countries charge their own amount in local currency. These are reference figures checked against Stripe’s pricing pages, always confirm at stripe.com/pricing for your account and country.

This calculator covers several of Stripe’s main pricing modes, online cards, in-person Terminal where a distinct rate is published, keyed entry, and US ACH, with two directions. Standard mode: you have a gross amount and want your net. Reverse Pricing mode: you need a specific net amount and the calculator tells you what to invoice, including correctly accounting for an optional Instant Payout fee if you select one. It also projects monthly fee exposure at your transaction volume, and shows the estimated dollar saving if you switch a US payment to ACH.

2.9% + $0.30 US online card (standard)
0.8% / $5 cap US ACH Direct Debit
1.70% + A$0.30 Australia domestic online
$15 US dispute fee
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How to Use This Calculator

Two modes, one result. Updates live as you type.

Mode A

Standard (Gross to Net)

You know the invoice amount. The calculator subtracts the estimated Stripe fee and shows what should land in your bank account.

Mode B

Reverse (Net to Invoice)

You need a specific amount in your bank. Enter that target and the calculator works backward to give you the gross invoice total to charge the client.

Payment Type

Pick the Right Mode

Online card, in-person Terminal, manually keyed, or ACH, availability and rates vary by country.

Country

Non-US Rates

UK, EU, Canada, and Australia each have their own domestic and international rate structure, not one global surcharge applied everywhere.

Monthly

Volume Projector

Enter your estimated monthly transaction count to see your total monthly and annual Stripe fee exposure.

💡 ACH Is Cheaper Than US Card Processing at Essentially Any Amount

ACH (0.8%, no fixed fee, capped at $5) has a lower percentage and no fixed fee, so it comes out cheaper than the standard US card rate (2.9% + $0.30) at nearly every transaction size, not just above some threshold. The $5 cap is reached at $625. On a $1,000 invoice: ACH = $5.00, card fee is about $29.30, a saving of about $24.30. On $5,000, ACH is still $5.00 while the card fee keeps growing. If your clients can pay by ACH, the saving is one of the more impactful margin-recovery moves available. The Monthly Projector below shows the annual saving at your volume.

Transaction Setup

Transaction Inputs
Sets the base rate, currency, and available payment modes for your market.
Enter your invoice or charge amount.
ACH is US only. In-person requires Stripe Terminal hardware, and is only modeled here where Stripe publishes a distinct rate.
Each country has its own international rate, not a flat +1.5% everywhere.
US conversion is +1%; other listed countries currently add +2%.

How many transactions per month at this amount. Used to project total monthly and annual fees.
Instant Payout sends funds to an eligible debit card within minutes instead of the standard 1-2 business days, at an added cost that varies by country.

Results

Estimated Net (You Receive)
$96.80
Gross Charged $100.00
Effective Rate 3.20%
Fee Breakdown
Base Processing Fee -$2.90
Fixed Fee -$0.30
Total Stripe Fee -$3.20
Estimated Net to Your Bank $96.80
📅 Monthly Volume Projector
Monthly Fees $160.00
Annual Fees $1,920.00
💡 ACH saving on this transaction: $2.40 (card: $3.20 vs ACH: $0.80). At 50 transactions/month that’s $120.00/month saved.
✅ Rates checked September 21, 2026 against Stripe’s published pricing pages

The 2026 Stripe Fee Structure, Country by Country

Stripe’s headline “2.9% + $0.30” only describes domestic US online card payments. Every other country Stripe operates in runs its own base rate, its own international-card rate, and its own currency-conversion surcharge, they are not the same numbers with a currency symbol swapped. A UK or EEA business actually pays a lower domestic rate than the US (1.5% versus 2.9%), but a steeper international-card rate once a non-domestic card is involved. This calculator models each country’s own structure rather than applying one global assumption everywhere.

⚠️ The Refund Fee Problem

Stripe does not return the original processing fee when you issue a refund. If you charge a client $1,000 and then fully refund it the next day, you still lose the processing fee from the original charge. For businesses with any meaningful refund rate, especially SaaS trials or high-dispute categories, this is a real cost to factor into pricing.

2026 Stripe Fee Reference Table, by Country

Rates below are checked against Stripe’s country-specific pricing pages as of September 2026. Australia’s domestic rates are set to drop further on October 1, 2026, noted below. Rates shown are for standard, non-custom accounts.

CountryDomestic OnlineInternational CardCurrency Conversion
🇺🇸 United States2.9% + $0.30+1.5% (4.4% total)+1.0%
🇬🇧 United Kingdom1.5% + £0.20~3.25% + £0.20+2.0%
🇪🇺 EEA / Eurozone1.5% + €0.25~3.25% + €0.25+2.0%
🇨🇦 Canada2.9% + C$0.30~3.7% + C$0.30+2.0%
🇦🇺 Australia1.70% + A$0.30 (falls to 1.65% from Oct 1, 2026)3.50% + A$0.30+2.0%
International-card rates for the UK and EEA reflect the published rate for cards issued outside the UK and EEA; a smaller intermediate surcharge can apply for UK-to-EEA or EEA-to-UK cards specifically. US ACH Direct Debit is 0.8%, capped at $5, and is not shown in this table since it has no percentage-based international variant. Always verify at stripe.com/pricing for your account.

🇦🇺 Australia’s Rates Are Changing October 1, 2026

Stripe has announced that starting October 1, 2026, Australian domestic card rates drop from 1.70% + A$0.30 to 1.65% + A$0.30 for online payments, and from 1.70% + A$0.10 to 1.65% + A$0.10 for Terminal. A further cut to the international rate, from 3.50% to 2.80%, is scheduled for April 1, 2027. This calculator uses the rates in effect as of today; if you’re reading this after either date, check that the lower rate has been applied.

Reverse Pricing, Why It Matters for Invoicing

If you invoice a client for exactly $1,000 on a standard US domestic card, Stripe deducts about $29.30 and you receive about $970.70. To guarantee you receive exactly $1,000, you need to invoice about $1,030.17.

The formula: Gross = (Desired Net + Fixed Fee) / (1 – Percentage Rate). If you also select Instant Payout, the calculator solves for the gross amount that nets your target after both the card fee and the Instant Payout fee are deducted, rather than solving for the card fee alone and subtracting the payout fee afterward, which would undershoot your target.

📐 The Reverse Pricing Formula

Gross = ($1,000 + $0.30) / (1 – 0.029) = $1,000.30 / 0.971, approximately $1,030.17. Stripe deducts about $30.17, leaving you with approximately $1,000.00. For international cards or currency conversion, the same logic applies with the country’s own higher percentage.

ACH Direct Debit, the High-Value Invoice Strategy

ACH (Automated Clearing House) transfers money directly between US bank accounts, bypassing card networks entirely. Stripe charges 0.8% with a hard $5 cap and no fixed fee, which makes it cheaper than the standard US card rate at essentially any transaction size, and dramatically cheaper on large invoices. The trade-off: ACH commonly settles in about 4 business days, with a faster paid settlement option available, versus next-day for cards, and ACH payments can fail and incur their own fee.

The practical strategy: offer ACH as an option on US B2B invoices, especially larger ones. Use the Monthly Projector in this calculator to see the estimated saving at your volume.

Instant Payouts, a Cost That Varies by Country

Standard Stripe payouts to your bank account are free and arrive in 1-2 business days. Instant Payouts send funds to an eligible debit card within minutes instead, at a cost that is not the same everywhere: in the US it’s 1.5% per payout with a minimum fee, and other countries publish their own rate and minimum in local currency. This is separate from the transaction processing fee.

💔 Dispute Fees

Stripe charges a fee per dispute, $15 in the US, with other countries charged their own amount in local currency. Whether that fee is refunded if you win a contested dispute has changed over time and can differ by account and region, check your current Stripe Dashboard terms rather than assuming either way. Either way, the fee stacks on top of the lost revenue from the disputed transaction itself, which matters for any business where chargebacks are a regular occurrence.

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Frequently Asked Questions

What is Stripe’s fee per transaction in 2026?
Stripe’s standard US rate is 2.9% + $0.30 per successful online card transaction. In-person via Terminal: 2.7% + $0.05. Keyed entry: 3.4% + $0.30. ACH Direct Debit: 0.8% capped at $5. US international cards add +1.5% and US currency conversion adds +1%; other countries use their own international and conversion surcharges rather than these same figures. Dispute fees are $15 in the US, other countries charge their own local-currency amount. Always verify at stripe.com/pricing for your account.
How do you calculate Stripe fees in reverse?
To find the gross invoice amount that results in a specific net payout on a standard card: Gross = (Desired Net + Fixed Fee) / (1 – Percentage Rate). For $1,000 net on a standard US card: ($1,000 + $0.30) / 0.971, about $1,030.17. Switch to Reverse Pricing mode in this calculator and it handles this automatically, including correctly solving for an added Instant Payout fee if you select one.
Is ACH always cheaper than card processing?
Under Stripe’s published US rates, yes, essentially at every transaction amount, since ACH (0.8%, capped at $5) has no fixed fee and a lower percentage than the standard card rate (2.9% + $0.30). The $5 cap is reached at $625. On a $1,000 invoice: ACH = $5.00, card fee is about $29.30. ACH is only available for US bank accounts and commonly settles in about 4 business days, with a faster paid option available.
Does Stripe refund processing fees on refunds?
No. Stripe does not return the original processing fee when you issue a refund. If you charge $1,000 and refund it the next day, you still lose the original processing fee. This is worth factoring in for businesses with any meaningful refund rate.
What are Stripe’s fees outside the US?
UK: 1.5% + £0.20 domestic, roughly 3.25% + £0.20 for cards from outside the UK and EEA, plus 2% currency conversion. EEA/Eurozone: 1.5% + €0.25 domestic, roughly 3.25% + €0.25 for cards from outside the UK and EEA, plus 2% conversion. Canada: 2.9% + C$0.30 domestic, about 3.7% + C$0.30 international, plus 2% conversion. Australia: 1.70% + A$0.30 domestic online (dropping to 1.65% on October 1, 2026), 3.50% + A$0.30 international, plus 2% conversion. Select your country in this calculator to apply the matching structure.
Can I negotiate lower Stripe fees?
Larger businesses may be eligible for custom pricing, including volume discounts, country-specific rates, and interchange-plus pricing, per Stripe. Stripe does not publish a fixed volume threshold or a guaranteed custom rate, eligibility and pricing vary by business, market, and card mix. Below custom-pricing eligibility, the published standard rates apply to everyone.
What is an Instant Payout and what does it cost?
Instant Payout sends funds to an eligible debit card within minutes instead of the standard 1-2 business day payout. In the US it costs 1.5% per payout with a minimum fee; other countries have their own Instant Payout rate and minimum in local currency. This is separate from the transaction processing fee. Standard payouts are free.
What is Stripe Interchange Plus (IC+) pricing?
Interchange Plus passes the actual card network interchange cost through to the merchant, plus a fixed Stripe margin, rather than one flat blended rate. It’s available to larger or custom-plan businesses and can be cheaper than flat-rate pricing for a card mix weighted toward lower-interchange debit cards. Most small and mid-size sellers stay on the standard flat-rate plan.
Does Stripe charge monthly or setup fees?
No, not on the standard pay-as-you-go plan. There are no setup fees or monthly minimums, you pay only per successful transaction. Optional add-on products such as Stripe Billing, Stripe Sigma, and Stripe Tax carry their own separate monthly or usage-based costs, independent of the core card-processing fee this calculator estimates.
📋 Methodology

How This Calculator’s Fee Logic Works

Each country in the STRIPE_CONFIG object carries its own domestic rate, its own international-card rate (not a flat add-on percentage stacked on the domestic rate everywhere, since the UK, EEA, Canada, and Australia publish a distinct blended international rate rather than a simple surcharge), its own currency-conversion surcharge, its own currency and locale for formatting, and its own set of available payment methods. Selecting a country swaps in that country’s actual structure rather than reusing the US model with a different symbol.

Standard mode calculates fee = (gross x pct) + fixed, then net = gross – fee. Reverse mode without Instant Payout solves algebraically: gross = (desired_net + fixed) / (1 – pct). Reverse mode with Instant Payout selected solves for the gross amount whose net, after both the card fee and the Instant Payout fee, equals your target, rather than solving the card fee alone and subtracting the payout fee afterward, since that second approach would produce a result short of your actual target. ACH mode caps the fee at $5 and handles its own reverse case.

All fee rates are stored in the STRIPE_CONFIG object in the calculator’s JavaScript. If Stripe updates rates, only those values need updating, the calculation logic stays the same. The Custom Rate option lets anyone override the percentage and fixed fee directly without touching code. Displayed results are estimates and can differ by a small amount from Stripe’s actual charge due to Stripe’s own transaction-level rounding rules, your specific card mix, or account-level terms.

This is a free educational reference tool, not a guaranteed fee calculation. Always verify at stripe.com/pricing. Not affiliated with or endorsed by Stripe, Inc.

Built and checked by R.K., Creator and Business Economics Analyst, Ultimate Info Guide

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⚠️ Disclaimer This Stripe Fee Calculator is a free educational reference tool. Estimates are based on Stripe’s published 2026 standard pricing, checked country by country as of September 21, 2026. Actual fees vary by account plan, card type, issuing bank, add-on services, and negotiated rates. Stripe does not refund processing fees on refunds. Dispute fee refund policy varies by account and region, check your current terms. Instant Payout fees apply only if selected and vary by country. Always verify current rates at stripe.com/pricing before making business or pricing decisions. Not affiliated with or endorsed by Stripe, Inc. Not financial or business advice.

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