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Stripe fees explained: cards, surcharges and passing the fee on

How Stripe's standard pricing builds a fee from a rate, a fixed amount and surcharges, a $100 card payment worked through, and how to gross up a price.

Reviewed by CentExactRates effective 14 sourcesCalculated in your browser. Shared links include inputs.

How the result is calculated

Stripe does not charge a subscription for its standard pricing. It takes a fee from each successful payment, and that fee is built from parts that each depend on something different: the payment method the customer chose, where their card or bank account was issued, and whether the money has to change currency on its way to you. Each country Stripe supports has its own published price list, in its own currency, so a business in London and one in Dublin pay different rates on the same card.

For a card, the first part is a percentage of the payment plus a fixed amount per payment: 2.9% plus 30 cents in the United States, 1.5% plus 20p for a standard UK card in Britain. Bank debits are cheaper and often capped: an American ACH debit costs 0.8% but never more than $5, and a European SEPA debit costs a flat €0.35 whatever the amount. Then come the surcharges. A card issued in another country adds a percentage, and a payment the customer makes in a currency other than your payout currency adds a conversion charge.

Fee(A × r + f) + A × s + A × c

You receiveA − Fee

A
the payment, including any tax the customer pays
r
the method's percentage rate
f
the method's fixed fee per payment
s
the surcharge for where the payer's card or account is from, zero at home
c
the currency conversion charge, when the payment is converted
Where a method has a minimum or a cap, it limits A × r + f and not the surcharges.

Each line is rounded to the currency's smallest unit, the cent or the whole yen, and the fee is the sum of the rounded lines.

Worked example

The calculator opens on a $100 payment from an American card to an American business.

Worked exampleA $100 payment on a US card
ItemAmountHow it is obtained
Percentage$2.902.9% × 100
Fixed fee$0.30per successful payment
Stripe fee$3.203.2% of the payment
You receive$96.80100 − 3.20

Try it with these figures

Now suppose the same customer had a card issued in Germany and paid in euros, so Stripe both applies its international card surcharge and converts the money into dollars.

Worked exampleAn overseas customer paying in another currency
ItemAmountHow it is obtained
Card fee$3.202.9% × 100 + 0.30
International cards$1.501.5% × 100
Currency conversion$1.001% × 100
Total Stripe fee$5.705.7% of the payment

The same $100 costs 5.7% instead of 3.2% because of who paid, not what was sold. For a business with many overseas customers that difference is larger than most pricing decisions.

Try it with these figures

Reading the result

The headline is Stripe's whole fee on the payment, with its share of the payment and what reaches your balance. The breakdown lists each part on its own line with the rate, the base and the arithmetic, so you can check any line against Stripe's page. Below it, every method on the same amount is set side by side: in Britain a £1,000 invoice costs £15.20 by standard UK card and £4 by Bacs Direct Debit, which is the comparison that matters for regular, larger payments.

The monthly figure multiplies the fee by the number of payments you enter, all at the same amount. Because the fixed part does not scale, many small payments cost proportionally more than a few large ones: ten $10 payments cost $5.90 against $3.20 for one $100 payment.

What changes the result

Where the card is from

Stripe charges more for cards issued abroad, and in Europe it splits them further. A business in the euro area pays 1.5% + €0.25 on a standard card from the European Economic Area, one percentage point more on a British card, and 1.65 points more on a card from anywhere else. A British business sees the same split from the other side.

Premium cards

On the British and European price lists, cards Stripe classes as premium, such as commercial and corporate cards, cost 2.8% plus the fixed fee rather than 1.5%. You cannot choose which card a customer uses, so a business that sells mostly to other businesses should budget for an average well above the standard rate.

Passing the fee on

To receive a set amount, the price has to cover the fee on itself. Asking a US customer for $103.20 to receive $100 leaves you $99.91, because Stripe takes 2.9% of the extra $3.20 too. The price-to-charge mode solves this exactly: $103.30. Surcharging consumer card payments is banned in Britain and the European Union, so there the gross-up is a way to set a price, not a line to add at checkout.

What is not included

Only Stripe's published standard pricing is modelled. Businesses with large volumes can negotiate custom rates or interchange-plus pricing, and those are private contracts. Stripe's other products carry their own charges: dispute fees, Radar fraud screening beyond the standard level, Billing, Tax, Connect platforms and instant payouts. Klarna and some other methods are priced from a starting rate that depends on the buyer's country, so they are left out rather than guessed.

Tax on Stripe's own fees is also outside the calculation. Australia's published rates already include GST; elsewhere Stripe may add VAT or GST to its invoice depending on your registration.

Using the result

Put the per-payment fee into your cost of each sale. A product with a $20 margin on a $100 price keeps $16.80 after a domestic card fee and $14.30 after an overseas one, which can be the difference between a promotion that pays and one that does not. The break-even calculator takes that figure as part of the variable cost.

If most of your payments are large and repeated, compare the bank debit rows in the table: a capped debit can cost a fraction of a card payment. If most are small, the fixed part dominates, and raising the minimum order or bundling items does more than any rate negotiation. Check the date on the price list before relying on a figure, and recheck after Stripe changes its page: the rates here are as published on the retrieval date shown under each fee's working.

Questions and answers

Short answers to the questions people bring to this calculator, each with the figures to try and, where one exists, the official source to check.

In the United States, $3.20 on a domestic card: 2.9% of $100 is $2.90, plus 30 cents. You receive $96.80. A card issued outside the US adds 1.5%, and a payment that has to be converted into dollars adds another 1%, so an overseas customer paying in euros costs $5.70.

Check the source: Stripe: pricing (US)

Data sources

Every rate, threshold and index the calculator uses is read from a dataset that records where it came from and when it applies. The list below is that record.

  1. Stripe standard pricing, US

    Stripe pricing and fees (US); Stripe local payment methods pricing (US).

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Cards 2.9% + 30 cents for domestic cards, +1.5% for international cards, +1% if currency conversion is required, +0.5% for manually entered cards (not modelled). ACH Direct Debit is 0.8% with a USD 5.00 cap for standard settlement timing (1.2% for two-day settlement, not modelled). Klarna is priced per customer region on the local payment methods page, so it is left out. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261001195740/https://stripe.com/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  2. Stripe standard pricing, GB

    Stripe pricing and fees (GB); Stripe local payment methods pricing (GB).

    Effective 5 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard UK cards 1.5% + 20p, premium UK cards 2.8% + 20p, EEA cards 2.5% + 20p, international cards 3.15% + 20p, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard UK rate; card_premium carries only the domestic origin. Bacs Direct Debit is 1% with a 20p minimum and a GBP 4.00 cap. Pay by Bank is 0.5% + 20p with a GBP 5.00 cap and +1.5% for international transactions. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium (2.8%, was 1.9%) and international (3.15%, was 3.25%) figures are newer than most third-party guides. A third-party page (Blink Payment) describes them as a change without citing a Stripe date, and a search summary attributed a 21 October 2026 date to a UK article that could not be confirmed. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261005144020/https://stripe.com/gb/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  3. Stripe standard pricing, DE

    Stripe pricing and fees (DE); Stripe local payment methods pricing (DE).

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date, and no archived copy of this country's page could be checked. Stripe publishes one euro price list for the euro area, and archived copies of its Irish (1 October 2026), Dutch (28 September 2026) and Spanish (29 September 2026) pages show the same rates, so effectiveFrom is 2026-10-01, a date by which the euro list was in force.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  4. Stripe standard pricing, CA

    Stripe pricing and fees (CA); Stripe local payment methods pricing (CA).

    Effective 5 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Cards 2.9% + CA$0.30 for domestic cards, +0.8% for international cards, +2% if currency conversion is required, +0.5% for manually entered cards (not modelled). The page marks the international surcharge with an asterisk but carries no matching footnote text. Pre-authorised debits are 1% + CA$0.40 with a CA$5.00 cap (instant verification CA$1.00 and failures or disputes CA$5.00 are extra and not modelled). Klarna is 'Starting at' 5.99% + CA$0.30 and is left out. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261005144032/https://stripe.com/en-ca/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  5. Stripe standard pricing, AU

    Stripe pricing and fees (AU); Stripe local payment methods pricing (AU); Updates to card pricing in Australia from October 2026.

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Fees include GST, as the pricing page states. Domestic cards 1.65% + A$0.30 (down from 1.70% + A$0.30 on 1 October 2026), international cards 3.5% + A$0.30 (surcharge 1.85% over domestic), +2% if currency conversion is required. Stripe has announced that international online card pricing falls to 2.80% + A$0.30 on 1 April 2027, so this file needs a successor dated 2027-04-01. BECS Direct Debit and PayTo are both 1% + A$0.30 with an A$3.50 cap. Zip (5.49% + A$0.30) is left out as buy now pay later. effectiveFrom is the date of the domestic card change; the other figures are undated.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page. Effective date and prior domestic rate from the Stripe support article.

  6. Stripe standard pricing, IE

    Stripe pricing and fees (IE); Stripe local payment methods pricing (IE).

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261001195801/https://stripe.com/ie/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  7. Stripe standard pricing, NL

    Stripe pricing and fees (NL); Stripe local payment methods pricing (NL).

    Effective 28 September 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. iDEAL | Wero is a flat EUR 0.29. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20260928121048/https://stripe.com/en-nl/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  8. Stripe standard pricing, NZ

    Stripe pricing and fees (NZ); Stripe local payment methods pricing (NZ).

    Effective 19 September 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Domestic cards 2.65% + NZ$0.30, international cards 3.5% + NZ$0.30 (surcharge 0.85% over domestic), +2% if currency conversion is required. NZ BECS Direct Debit is 1% + NZ$0.40 with an NZ$4.00 cap. Klarna is 'Starting at' 4.99% + NZ$0.65 and is left out. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20260919001326/https://stripe.com/nz/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  9. Stripe standard pricing, SE

    Stripe pricing and fees (SE); Stripe local payment methods pricing (SE).

    Effective 25 September 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + 1.80kr, premium EEA cards 2.8% + 1.80kr, UK cards 2.5% + 1.80kr, international cards 3.15% + 1.80kr, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate; card_premium carries only the domestic origin because UK and international cards are priced by origin. kr is Swedish krona (SEK). SEPA Direct Debit is a flat 3.60kr. Swish is 1% + 3.00kr with a 7.00kr cap. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20260925192736/https://stripe.com/en-se/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  10. Stripe standard pricing, IN

    Stripe pricing and fees (IN); Stripe accounts are invite-only in India; Stripe global availability.

    Effective 3 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Stripe is invite-only in India: businesses from India cannot sign up for a new account through the website and must request an invite, and stripe.com/global marks India as Preview. Published rates: 2% for Mastercard and Visa cards issued in India; domestic debit card transactions have the Merchant Discount Rate (MDR) of 0.4% capped to Rs 200; 3% for Mastercard and Visa cards issued outside India; 3.5% for American Express cards issued outside India and 4.3% for international cards with USD or other currency presentment (neither modelled); +2% if currency conversion is required. No fixed fee is published. The page does not mention GST; its FAQ says Stripe charges tax on certain services depending on location and tax status. /in/pricing/local-payment-methods redirects to /in/pricing, so no UPI or netbanking price is published. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261003200533/https://stripe.com/in/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  11. Stripe standard pricing, FI

    Stripe pricing and fees (FI); Stripe local payment methods pricing (FI).

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. MobilePay is 1.5% + EUR 0.36 (local payment methods page). Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date, and no archived copy of this country's page could be checked. Stripe publishes one euro price list for the euro area, and archived copies of its Irish (1 October 2026), Dutch (28 September 2026) and Spanish (29 September 2026) pages show the same rates, so effectiveFrom is 2026-10-01, a date by which the euro list was in force.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  12. Stripe standard pricing, JP

    Stripe pricing and fees (JP); Stripe local payment methods pricing (JP).

    Effective 13 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Cards are 3.6% per successful transaction with no fixed fee and no separate international card surcharge, +2% if currency conversion is required. Konbini is 3.6% with a minimum fee of JPY 120. PayPay is 3.98% (9.48% for digital content businesses, not modelled). Bank transfers are 1.5%. Konbini and bank transfer refunds carry 10% + JPY 250 consumption tax (not modelled). Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20261013101938/https://stripe.com/jp/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  13. Stripe standard pricing, FR

    Stripe pricing and fees (FR); Stripe local payment methods pricing (FR).

    Effective 1 October 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date, and no archived copy of this country's page could be checked. Stripe publishes one euro price list for the euro area, and archived copies of its Irish (1 October 2026), Dutch (28 September 2026) and Spanish (29 September 2026) pages show the same rates, so effectiveFrom is 2026-10-01, a date by which the euro list was in force.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

  14. Stripe standard pricing, ES

    Stripe pricing and fees (ES); Stripe local payment methods pricing (ES).

    Effective 29 September 2026 onward. Retrieved 19 October 2026. Within its effective period.

    Published totals: standard EEA cards 1.5% + EUR 0.25, premium EEA cards 2.8% + EUR 0.25, UK cards 2.5% + EUR 0.25, international cards 3.15% + EUR 0.25, plus 2% if currency conversion is required. Origin surcharges are the published totals minus the standard EEA rate. Premium pricing applies to domestic (EEA) commercial, corporate or business Visa and Mastercard cards; UK and international cards are priced by origin whatever the card type, so card_premium carries only the domestic origin. SEPA Direct Debit is a flat EUR 0.35 per successful charge. Bizum is 1.5% + EUR 0.25 (local payment methods page). Klarna is listed as 'Starting at' a rate that varies by customer country, so it is left out. The premium rate shown (2.8%) differs from the 1.9% widely quoted in older guides; no Stripe announcement dating the change was found. Stripe's page states no effective date. effectiveFrom is the date of the earliest Internet Archive copy checked that shows the same rates (web.archive.org/web/20260929110033/https://stripe.com/en-es/pricing), so the rates were in force by then and may be older.

    How we checked these figures

    Figures read from the live English-language page HTML fetched on 2026-10-19 with the country cookie set, cross-checked against the local payment methods page.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

Figures are estimates derived from published rates and rules, current at the review date shown at the top of this page and taken from the sources listed under Data sources on this page. Rates, fees and thresholds change; always confirm current values with the official source before relying on a result.