Stripe pricing in 2026 (US standard)
| What | Fee |
|---|---|
| Domestic cards, online | 2.9% + 30¢ |
| In person (Terminal) | 2.7% + 5¢ |
| International card | +1.5% |
| Currency conversion | +1% |
| Manually entered card | +0.5% |
| ACH Direct Debit | 0.8%, capped at $5 |
| Instant payouts | 1.5%, minimum 50¢ |
| Disputes | $15 per dispute (+$15 to counter) |
When ACH beats cards
Card fees grow with the amount; ACH Direct Debit stops at $5. On a $1,000 invoice a card costs $29.30 while ACH costs $5.00 — worth offering for large B2B payments where waiting a few days to settle is fine.
Questions sellers ask
What is the Stripe fee on $100?
For a US card paid online, $3.20 (2.9% + $0.30), so you receive $96.80. With an international card that also needs currency conversion, it rises to $5.70.
Does Stripe charge more for international cards?
Yes. International cards add 1.5%, and another 1% applies when currency conversion is required.
Does Stripe refund fees on refunds?
Stripe does not return the original processing fee when you refund a payment, so a refunded $100 sale still costs you the fee.
Source: Stripe official fee page, checked October 20, 2026.