Use average order value, country mix, payment method mix, disputes, and optional products before judging Stripe against a flat monthly tool.
Run Stripe fee calculatorStripe Pricing in 2026
Everything you need to know about Stripe plans, costs, and whether the entry-level plan is enough for your needs.
Last updated: May 12, 2026 · 1 plans compared
Prices change. Confirm the current figures at Stripe.
Pricing intent match
Stripe Pricing: Transaction Fees, Add-Ons, and Real Checkout Cost
Stripe pricing is usage-based. Model domestic card rate, international cards, currency conversion, disputes, Billing, Tax, and payout add-ons before comparing processors.
Decision checklist
- Use the current Stripe pricing page for the buyer's country before committing fee assumptions.
- For US standard online card payments, Stripe lists 2.9% + 30c for domestic cards; international cards and currency conversion add separate uplifts.
- Add optional products such as Billing, Tax, Radar, instant payouts, and disputes only when the workflow needs them.
- Compare Stripe with merchant-of-record tools when tax, chargebacks, and global seller support matter more than raw processing rate.
Official source check
Official source check on May 12, 2026. Stripe rates vary by country and product, so verify the local pricing page before publishing margin forecasts.
A processor is not always the whole stack. Compare merchant-of-record, storefront, tax, and subscription handling before switching checkout.
Compare Stripe alternativesIf Shopify is also in the stack, compare storefront fees, payment routing, app costs, and operational simplicity together.
Compare Shopify vs StripeSame $10,000 in sales. Different processing costs.
The fixed $0.30 charge matters more on small orders. Compare three illustrative order mixes at the same monthly captured revenue, then open a case to test your own numbers.
US standard card model: 2.9% + $0.30. All cases use 0% international cards, 0% currency conversion and 0% refunds.
$5.00 average order
2,000 captured orders / month
- Processing fees / month
- $890.00
- Effective processing rate
- 8.9%
- Retained proceeds / month
- $9,110.00
$20.00 average order
500 captured orders / month
- Processing fees / month
- $440.00
- Effective processing rate
- 4.4%
- Retained proceeds / month
- $9,560.00
$100.00 average order
100 captured orders / month
- Processing fees / month
- $320.00
- Effective processing rate
- 3.2%
- Retained proceeds / month
- $9,680.00
At equal captured revenue, the $5 order mix has $570 more monthly processing fees than the $100 mix. This isolates fee mechanics; changing prices or bundling can also change demand and refunds.
Retained proceeds are not profit. Tax, disputes, optional Stripe products, platform costs and other expenses are excluded. These are illustrative assumptions, not an account quote. Check Stripe pricing for your account region.
Starting Price2.9%+30c per transaction
Free PlanNo
Cost ModelUsage-based fees
Rating4.7/5
Compare before you subscribe
Use Stripe pricing as the start of the decision
Pricing pages bring high intent. The next step is to compare free limits, alternatives, and total revenue stack cost before the reader exits.
Read the Stripe reviewCheck strengths, risks, and seller fit.All Stripe Plans
Standard
2.9%+30c
per transaction
Real Cost Drivers
Seat-count math is not meaningful for Stripe. Estimate transaction volume, average order value, country mix, payment methods, disputes, and optional products instead.
DriverWhy it mattersNext check
Domestic card rateBaseline for most US checkout models.Confirm the current country-specific card rate.
International and FXCross-border cards and currency conversion can change margin.Model your top buyer countries separately.
Billing, Tax, disputesAdd-ons can matter more than the headline card rate.Include only products your checkout actually uses.
Frequently Asked Questions
How much does Stripe cost in 2026?
Stripe is usage-based. The relevant cost is payment processing plus any optional products such as Billing, Tax, Radar, disputes, instant payouts, or currency conversion.
Is Stripe pricing based on users?
No. Stripe pricing is normally based on successful transactions and optional product usage, not the number of team members using the dashboard.
What should I include in a Stripe fee model?
Include domestic card rate, international card mix, currency conversion, payment methods, disputes, refunds, Billing, Tax, payout timing, and expected average order value.
Not sure about Stripe?
Compare alternatives or read our in-depth review.