Stripe Fee Calculator
Calculate Stripe processing fees for credit cards and ACH bank transfers. Perfect for online businesses and e-commerce stores.
Stripe Fee Calculator
Calculate Stripe processing fees for credit cards and ACH bank transfers
Stripe Fee Information
Fee Structure (2025)
Payment Methods
Credit/Debit Cards
- • Visa, Mastercard, Discover
- • American Express (+0.5% additional)
- • Instant settlement
- • Chargeback protection
ACH Bank Transfers
- • Lower fees for large amounts
- • 5-7 business day settlement
- • $5.00 minimum fee
- • US bank accounts only
Important Notes
- Fees are automatically deducted from each transaction
- International cards incur additional 1.5% fee
- American Express cards have additional 0.5% fee
- ACH payments are ideal for large transactions due to flat fee structure
- Subscription billing may qualify for reduced rates
- Volume discounts available for high-volume merchants
Understanding Stripe Fees
Credit Card Processing
Stripe charges 2.9% + $0.30 per transaction for domestic credit and debit cards. International cards incur an additional 1.5% fee, totaling 4.4% + $0.30.
American Express
American Express cards have an additional 0.5% fee on top of the standard rates, making them slightly more expensive to process.
ACH Bank Transfers
ACH transfers cost only 0.8% + $5.00, making them cost-effective for larger transactions. However, they take 5-7 business days to settle.
Volume Discounts
High-volume merchants may qualify for reduced rates through Stripe's enterprise pricing plans and custom negotiations.
💡 Stripe vs. PayPal: Which is Better?
Stripe: Better for developers, more customizable, same pricing as PayPal (2.9% + $0.30)
PayPal: Better for quick setup, buyer protection, widely recognized
Winner for ACH: Stripe's ACH fees are significantly lower for large transactions