Accurately calculate standard credit card processing, international interchange fees, currency conversions, and determine what to charge customers to receive your exact payout.
Transaction Details
$
Net Payout
Effective Fee: 3.20%
$96.80
Direct deposit to your bank account
Stripe Processing Fee
-$3.20
Gross Charge
$100.00
💡 What price should you charge?
To receive exactly $100.00 into your bank, set product price to:
$103.30
Percentage Fee (2.90%):
$2.90
Fixed Fee:
$0.30
Understanding Stripe Fee Structures in 2026
Stripe operates primarily on a transparent pay-as-you-go pricing model. In the US, online credit card transactions are billed at 2.9% + $0.30 per successful charge. However, international cards incur an extra 1.5% fee, and another 1.0% if currency conversion is required.
Unlike traditional merchant accounts, Stripe charges zero monthly setup or maintenance fees, making it the industry standard for SaaS, digital downloads, and custom e-commerce stores.
Want to compare Stripe with PayPal and Shopify Payments?
Read Comparison Guide →
Check our comprehensive 2026 fee analysis guide.