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Pay.",{"_key":1082,"_type":1093,"amazonPayProvider":1094,"amountGroupLabel":1104,"amountHelpText":1105,"amountLabel":1104,"amountPlaceholder":1106,"annualColumnLabel":1107,"annualFeesLabel":1108,"bankTransferBillingBadgeLabel":1109,"bankTransferComparisonNote":1110,"bankTransferCustomerType":1111,"billingFeePercentage":1120,"billingRateBadgeTemplate":1121,"calculateLabel":1122,"cheaperThanSentence":1123,"cheaperThanWithSameSentence":1124,"comparisonNote":1125,"comparisonSectionLabel":1126,"comparisonSubtitle":1127,"currencyConversionCustomerType":1128,"currencyDisplayPrefix":1135,"currencyInputSymbol":1135,"customerTypeGroupLabel":1136,"customerTypeLabel":1136,"domesticCustomerType":1137,"effectiveFeeRateLabel":1142,"emptyStateText":1143,"emptyValueLabel":1144,"estimateSectionLabel":1145,"feesLabel":1146,"heroLabel":1147,"impactSectionLabel":1148,"insightSentence":1149,"insightSentenceWithBilling":1150,"insightsSectionLabel":1151,"internationalCustomerType":1152,"lessExpensiveDifferenceTemplate":1158,"listFinalConjunction":1159,"listPairConjunction":203,"listSeparator":194,"locale":1160,"mixedComparisonSentence":1161,"mixedComparisonWithSameSentence":1162,"monthlyColumnLabel":1163,"monthlyFeesLabel":1164,"moreExpensiveDifferenceTemplate":1165,"moreExpensiveThanSentence":1166,"moreExpensiveThanWithSameSentence":1167,"ofRevenueSubLabel":1168,"payPalProvider":1169,"perMonthSubLabel":1178,"perYearSubLabel":1179,"recurringBadgeLabel":1180,"recurringLabel":1181,"recurringPillLabel":1182,"revenueRetainedLabel":1183,"sameCostDifferenceLabel":1184,"sameCostPluralVerb":1185,"sameCostSentence":1186,"sameCostSingularVerb":1187,"sectionPadding":1188,"squareProvider":1189,"staleResultsNotice":1195,"stripeProviderName":1196,"title":1084,"transactionCountGroupLabel":1197,"transactionCountHelpText":1198,"transactionCountLabel":1199,"transactionCountPlaceholder":1106,"volumeLabel":1200},"stripeFeeCalculator",{"_type":1095,"currencyConversionRate":1096,"domesticRate":1100,"internationalRate":1102,"name":1103},"stripeComparisonProvider",{"_type":1097,"fixedFee":1098,"percentageRate":1099},"stripeProviderRate",0.3,3.9,{"_type":1097,"fixedFee":1098,"percentageRate":1101},2.9,{"_type":1097,"fixedFee":1098,"percentageRate":1099},"Amazon Pay domestic","Transaction amount","Enter the average payment amount you collect.","100","Annual","Annual fees","0.8% capped at $5 + 0.7% Billing","Other providers shown using standard online payment rates.",{"_type":1112,"description":1113,"feeCap":1114,"insightSentence":1115,"optionLabel":1116,"percentageRate":1117,"pillLabel":1118,"rateBadgeLabel":1119},"stripeCustomerType","US bank account transfer",5,"ACH can reduce costs for larger US bank payments as the ACH portion is capped at $5.","Bank Transfer (ACH)",0.8,"ACH","0.8% capped at $5",0.7,"{percentage}% + ${fixedFee}","Calculate Stripe Fees","It’s cheaper than {moreExpensiveProviders}.","It’s cheaper than {moreExpensiveProviders}, while {sameCostProviders} {verb} the same cost.","Comparison cards use standard US domestic online payment rates unless stated otherwise. Rates may vary by payment type, region, plan, volume, and custom pricing.","How Stripe compares with other payment platforms","Based on the same transaction amount and monthly volume.",{"_type":1112,"description":1129,"fixedFee":1098,"insightSentence":1130,"optionLabel":1131,"percentageRate":1132,"pillLabel":1133,"rateBadgeLabel":1134},"Customer pays in foreign currency with FX conversion","This is the highest-cost Stripe card scenario due to the FX conversion fee.","International + Currency Conversion",5.4,"Intl + FX","5.4% + $0.30","$","Customer type",{"_type":1112,"description":1138,"fixedFee":1098,"optionLabel":1139,"percentageRate":1101,"pillLabel":1140,"rateBadgeLabel":1141},"US-issued card","Domestic (US)","Domestic","2.9% + $0.30","Effective fee rate","Enter your values above and click Calculate Stripe Fees to see your estimate.","—","Stripe fee estimate","Fees","Estimated annual Stripe fees","Annual impact summary","Stripe costs {monthlyFees}\u002Fmonth or {annualFees}\u002Fyear at this volume, letting you retain {revenueRetained} of revenue.","Stripe costs {monthlyFees}\u002Fmonth or {annualFees}\u002Fyear at this volume, letting you retain {revenueRetained} of revenue — includes the 0.7% Stripe Billing fee.","What this means",{"_type":1112,"description":1153,"fixedFee":1098,"insightSentence":1154,"optionLabel":1155,"percentageRate":1156,"pillLabel":1155,"rateBadgeLabel":1157},"Card issued outside the US","International cards cost more to process than domestic US cards.","International",4.4,"4.4% + $0.30","{amount} less\u002Fyr",", and ","en-US","It’s cheaper than {moreExpensiveProviders} but more expensive than {cheaperProviders}.","It’s cheaper than {moreExpensiveProviders} but more expensive than {cheaperProviders}, while {sameCostProviders} {verb} the same cost.","Monthly","Monthly fees","+{amount} more\u002Fyr","It’s more expensive than {cheaperProviders}.","It’s more expensive than {cheaperProviders}, while {sameCostProviders} {verb} the same cost.","of revenue",{"_type":1095,"currencyConversionRate":1170,"domesticRate":1173,"internationalRate":1175,"name":1177},{"_type":1097,"fixedFee":1171,"percentageRate":1172},0.49,5.49,{"_type":1097,"fixedFee":1171,"percentageRate":1174},2.99,{"_type":1097,"fixedFee":1171,"percentageRate":1176},4.49,"PayPal standard cards","\u002Fmonth","\u002Fyear","+0.7% Billing fee","I use Stripe Billing for subscriptions","+0.7% Stripe Billing","Revenue retained","Same cost","are","It’s the same cost as {sameCostProviders}.","is","small",{"_type":1095,"currencyConversionRate":1190,"domesticRate":1192,"internationalRate":1193,"name":1194},{"_type":1097,"fixedFee":1098,"percentageRate":1191},3.3,{"_type":1097,"fixedFee":1098,"percentageRate":1191},{"_type":1097,"fixedFee":1098,"percentageRate":1191},"Square online\u002Finvoices","Inputs changed. Click Calculate Stripe Fees to refresh results.","Stripe","Monthly transactions","Enter how many Stripe payments you process monthly.","Transactions per month","Volume",{"_key":1202,"_type":1203,"body":1204},"what-a-stripe-fee-calculator-answers","richTextSection",[1205,1213,1221,1230],{"_key":1206,"_type":143,"children":1207,"markDefs":1212,"style":164},"answer-summary-what-it-does",[1208],{"_key":1209,"_type":147,"marks":1210,"text":1211},"answer-summary-what-it-does-0",[],"A Stripe fee calculator estimates how much Stripe charges per transaction based on your payment amount, monthly volume, and customer type.",[],{"_key":1214,"_type":143,"children":1215,"markDefs":1220,"style":164},"answer-summary-what-to-enter",[1216],{"_key":1217,"_type":147,"marks":1218,"text":1219},"answer-summary-what-to-enter-0",[],"Enter your average transaction amount, monthly transaction count, and customer type to see your fee per transaction, monthly total, annual cost, and how much revenue you actually keep. If you use subscription or recurring billing, check the box to factor in platform fees. The calculator also shows how Stripe compares to PayPal, Square, and Amazon Pay at the same volume.",[],{"_key":1222,"_type":143,"children":1223,"markDefs":1228,"style":1229},"how-much-is-the-stripe-fee-for-usd-100-heading",[1224],{"_key":1225,"_type":147,"marks":1226,"text":1227},"how-much-is-the-stripe-fee-for-usd-100-heading-0",[],"How much is the Stripe fee for USD $100?",[],"h2",{"_key":1231,"_type":143,"children":1232,"markDefs":1237,"style":164},"answer-summary-hundred-dollars",[1233],{"_key":1234,"_type":147,"marks":1235,"text":1236},"answer-summary-hundred-dollars-0",[],"Stripe charges 2.9% + USD $0.30 per domestic transaction for standard online card payments. That works out to USD $3.20 on a USD $100 payment, leaving you with USD $96.80. International cards cost more: 4.4% + USD $0.30. Add currency conversion, and the rate climbs to 5.4% + USD $0.30. There's no monthly fee on the standard plan.",[],{"_key":1239,"_type":1240,"heading":1241,"intro":1242,"note":1243,"stepLayout":1258,"steps":1259},"how-to-use-the-calculator","processSteps","How to use the Stripe fee calculator","The Stripe fees calculator works on three inputs and returns your full cost breakdown instantly.",[1244],{"_key":1245,"_type":143,"children":1246,"markDefs":1257,"style":164},"how-to-use-note",[1247,1253],{"_key":1248,"_type":147,"marks":1249,"text":1252},"how-to-use-note-0",[1250,1251],"strong","em","Note: ",{"_key":1254,"_type":147,"marks":1255,"text":1256},"how-to-use-note-1",[1251],"Results are estimates; actual fees may vary based on your Stripe plan, payment mix, disputes, and any custom pricing you’ve negotiated.",[],"rows",[1260,1264,1268,1272],{"_key":1261,"body":1262,"label":1263},"step-transaction-amount","Enter the average dollar value of each payment you collect. This drives the percentage portion of the fee.","Enter your transaction amount",{"_key":1265,"body":1266,"label":1267},"step-monthly-transaction-count","How many payments do you process per month? This turns per-transaction fees into a monthly and annual total.","Enter your monthly transaction count",{"_key":1269,"body":1270,"label":1271},"step-customer-type","Domestic (US card): standard 2.9% + USD $0.30 for US-issued cards\nInternational: 4.4% + USD $0.30 for non-US cards\nInternational + FX: 5.4% + USD $0.30 for non-US cards, including currency conversion\nBank Transfer (ACH): 0.8%, capped at USD $5 per transaction, for US bank account payments.\nIf you use Stripe Billing for subscriptions, check the box to add the 0.7% Stripe Billing fee on top of your selected payment method rate. That means a domestic subscription transaction effectively costs 3.6% + USD $0.30, instead of 2.9% + USD $0.30. Leave it unchecked if you process one-off payments only.","Select your customer type",{"_key":1273,"body":1274,"label":1275},"step-results","The calculator returns an estimated annual & monthly Stripe fee along with volume, what percentage of revenue you retain, and your effective rate. It also shows how Stripe compares to PayPal (standard cards), Square (online\u002Finvoices), and Amazon Pay (domestic) at the same volume.","Read your results",{"_key":1277,"_type":1203,"body":1278},"stripe-fee-guide",[1279,1287,1295,1303,1317,1329,1341,1349,1357,1369,1385,1393,1405,1417,1425,1437,1453,1469,1481,1493,1501,1510,1518,1945,1963,1971,1979,1987,1999,2011,2023,2031,2039,2047,2157,2165,2173,2181,2189,2197,2205,2213,2221,2229,2237,2245,2253,2261,2269,2277,2285,2293,2301,2309,2317,2325,2333,2341,2349],{"_key":1280,"_type":143,"children":1281,"markDefs":1286,"style":1229},"what-is-a-stripe-fee-calculator-heading",[1282],{"_key":1283,"_type":147,"marks":1284,"text":1285},"what-is-a-stripe-fee-calculator-heading-0",[],"What is a Stripe fee calculator",[],{"_key":1288,"_type":143,"children":1289,"markDefs":1294,"style":164},"what-is-definition",[1290],{"_key":1291,"_type":147,"marks":1292,"text":1293},"what-is-definition-0",[],"A Stripe fee calculator is a tool that takes your transaction amount and monthly volume, then outputs estimated fees that you owe Stripe per payment, per month, and per year. Most founders know the headline rate, 2.9% + USD $0.30, but don't know what it means in practice for their specific numbers.",[],{"_key":1296,"_type":143,"children":1297,"markDefs":1302,"style":164},"what-is-three-things",[1298],{"_key":1299,"_type":147,"marks":1300,"text":1301},"what-is-three-things-0",[],"The Stripe fees calculator above does three things a mental estimate can't:",[],{"_key":1304,"_type":143,"children":1305,"level":1314,"listItem":1315,"markDefs":1316,"style":164},"what-is-fixed-fee",[1306,1310],{"_key":1307,"_type":147,"marks":1308,"text":1309},"what-is-fixed-fee-0",[1250],"It accounts for the fixed fee: ",{"_key":1311,"_type":147,"marks":1312,"text":1313},"what-is-fixed-fee-1",[],"The USD $0.30 flat charge per transaction doesn't scale proportionally. On a USD $10 payment, it represents 3% on its own, making your effective Stripe processing fee nearly 6%. On a USD $500 payment, the flat fee barely moves the needle. The calculator shows you the real effective rate at your actual transaction size.",1,"bullet",[],{"_key":1318,"_type":143,"children":1319,"level":1314,"listItem":1315,"markDefs":1328,"style":164},"what-is-real-volume",[1320,1324],{"_key":1321,"_type":147,"marks":1322,"text":1323},"what-is-real-volume-0",[1250],"It scales to your real volume:",{"_key":1325,"_type":147,"marks":1326,"text":1327},"what-is-real-volume-1",[]," A per-transaction fee that looks small multiplies fast. 500 transactions a month at USD $3.20 each is USD $1,600 monthly. This means Stripe payment processing fees are USD $19,200 a year. The calculator surfaces that number without requiring manual math.",[],{"_key":1330,"_type":143,"children":1331,"level":1314,"listItem":1315,"markDefs":1340,"style":164},"what-is-side-by-side",[1332,1336],{"_key":1333,"_type":147,"marks":1334,"text":1335},"what-is-side-by-side-0",[1250],"It compares them side by side. ",{"_key":1337,"_type":147,"marks":1338,"text":1339},"what-is-side-by-side-1",[],"To help you make a fair comparison, the calculator displays how the same volume is handled by Square, PayPal, and Amazon Pay.",[],{"_key":1342,"_type":143,"children":1343,"markDefs":1348,"style":1229},"how-stripe-fees-are-calculated-heading",[1344],{"_key":1345,"_type":147,"marks":1346,"text":1347},"how-stripe-fees-are-calculated-heading-0",[],"How Stripe fees are calculated",[],{"_key":1350,"_type":143,"children":1351,"markDefs":1356,"style":164},"calculated-two-part",[1352],{"_key":1353,"_type":147,"marks":1354,"text":1355},"calculated-two-part-0",[],"Stripe uses a two-part formula: a percentage of the transaction amount plus a fixed fee per transaction.",[],{"_key":1358,"_type":143,"children":1359,"markDefs":1368,"style":164},"calculated-formula",[1360,1364],{"_key":1361,"_type":147,"marks":1362,"text":1363},"calculated-formula-0",[],"The Stripe fee formula is: ",{"_key":1365,"_type":147,"marks":1366,"text":1367},"calculated-formula-1",[1250],"Stripe fee = (Transaction amount × rate%) + fixed fee",[],{"_key":1370,"_type":143,"children":1371,"markDefs":1384,"style":164},"calculated-example",[1372,1376,1380],{"_key":1373,"_type":147,"marks":1374,"text":1375},"calculated-example-0",[],"Example: For a domestic US card payment: (USD $100 × 2.9%) + USD $0.30 = USD $2.90 + USD $0.30 = ",{"_key":1377,"_type":147,"marks":1378,"text":1379},"calculated-example-1",[1250],"USD $3.20. ",{"_key":1381,"_type":147,"marks":1382,"text":1383},"calculated-example-2",[],"That USD $3.20 is the Stripe credit card processing fees on a standard USD $100 sale. Your net revenue is USD $96.80 in this case.",[],{"_key":1386,"_type":143,"children":1387,"markDefs":1392,"style":164},"calculated-ach",[1388],{"_key":1389,"_type":147,"marks":1390,"text":1391},"calculated-ach-0",[],"For US customers paying by bank transfer, Stripe's ACH rate is a separate structure entirely: 0.8%, capped at USD $5 per transaction. Switch the customer type to \"Bank Transfer (ACH)\" in the calculator above to model your ACH costs separately.",[],{"_key":1394,"_type":143,"children":1395,"level":1314,"listItem":1315,"markDefs":1404,"style":164},"calculated-recurring-card",[1396,1400],{"_key":1397,"_type":147,"marks":1398,"text":1399},"calculated-recurring-card-0",[],"For card payments with recurring billing enabled: ",{"_key":1401,"_type":147,"marks":1402,"text":1403},"calculated-recurring-card-1",[1250],"Stripe fee = (transaction amount × selected rate) + fixed fee + recurring billing add-on",[],{"_key":1406,"_type":143,"children":1407,"level":1314,"listItem":1315,"markDefs":1416,"style":164},"calculated-recurring-ach",[1408,1412],{"_key":1409,"_type":147,"marks":1410,"text":1411},"calculated-recurring-ach-0",[],"For ACH with recurring billing enabled: ",{"_key":1413,"_type":147,"marks":1414,"text":1415},"calculated-recurring-ach-1",[1250],"ACH fee = min(transaction amount × 0.8%, $5) + recurring billing add-on",[],{"_key":1418,"_type":143,"children":1419,"markDefs":1424,"style":164},"calculated-monthly-intro",[1420],{"_key":1421,"_type":147,"marks":1422,"text":1423},"calculated-monthly-intro-0",[],"To calculate Stripe fees for your full monthly volume, multiply the per-transaction fee by your transaction count. If you process 200 transactions at USD $100 each:",[],{"_key":1426,"_type":143,"children":1427,"level":1314,"listItem":1315,"markDefs":1436,"style":164},"calculated-fee-per-transaction",[1428,1432],{"_key":1429,"_type":147,"marks":1430,"text":1431},"calculated-fee-per-transaction-0",[1250],"Fee per transaction:",{"_key":1433,"_type":147,"marks":1434,"text":1435},"calculated-fee-per-transaction-1",[]," USD $3.20",[],{"_key":1438,"_type":143,"children":1439,"level":1314,"listItem":1315,"markDefs":1452,"style":164},"calculated-monthly-fee",[1440,1444,1448],{"_key":1441,"_type":147,"marks":1442,"text":1443},"calculated-monthly-fee-0",[1250],"Monthly Stripe fee:",{"_key":1445,"_type":147,"marks":1446,"text":1447},"calculated-monthly-fee-1",[]," USD $3.20 × 200 = ",{"_key":1449,"_type":147,"marks":1450,"text":1451},"calculated-monthly-fee-2",[1250],"USD $640",[],{"_key":1454,"_type":143,"children":1455,"level":1314,"listItem":1315,"markDefs":1468,"style":164},"calculated-annual-fee",[1456,1460,1464],{"_key":1457,"_type":147,"marks":1458,"text":1459},"calculated-annual-fee-0",[1250],"Annual Stripe fee:",{"_key":1461,"_type":147,"marks":1462,"text":1463},"calculated-annual-fee-1",[]," USD $640 × 12 = ",{"_key":1465,"_type":147,"marks":1466,"text":1467},"calculated-annual-fee-2",[1250],"USD $7,680",[],{"_key":1470,"_type":143,"children":1471,"level":1314,"listItem":1315,"markDefs":1480,"style":164},"calculated-monthly-volume",[1472,1476],{"_key":1473,"_type":147,"marks":1474,"text":1475},"calculated-monthly-volume-0",[1250],"Monthly volume:",{"_key":1477,"_type":147,"marks":1478,"text":1479},"calculated-monthly-volume-1",[]," USD $20,000",[],{"_key":1482,"_type":143,"children":1483,"level":1314,"listItem":1315,"markDefs":1492,"style":164},"calculated-revenue-retained",[1484,1488],{"_key":1485,"_type":147,"marks":1486,"text":1487},"calculated-revenue-retained-0",[1250],"Revenue retained:",{"_key":1489,"_type":147,"marks":1490,"text":1491},"calculated-revenue-retained-1",[]," USD $19,360 (96.8%)",[],{"_key":1494,"_type":143,"children":1495,"markDefs":1500,"style":164},"calculated-automates",[1496],{"_key":1497,"_type":147,"marks":1498,"text":1499},"calculated-automates-0",[],"That's what the Stripe processing fees calculator above automates. Change the transaction amount, volume, or customer type, and the outputs update instantly.",[],{"_key":1502,"_type":143,"children":1503,"markDefs":1508,"style":1509},"the-stripe-percentage-fee-why-small-transactions-cost-more-heading",[1504],{"_key":1505,"_type":147,"marks":1506,"text":1507},"the-stripe-percentage-fee-why-small-transactions-cost-more-heading-0",[],"The Stripe percentage fee: why small transactions cost more",[],"h3",{"_key":1511,"_type":143,"children":1512,"markDefs":1517,"style":164},"percentage-fee-explainer",[1513],{"_key":1514,"_type":147,"marks":1515,"text":1516},"percentage-fee-explainer-0",[],"The Stripe percentage fee (2.9%) stays proportional, but the USD $0.30 fixed component doesn't scale. On a USD $10 transaction, that fixed USD $0.30 represents 3% of the payment on its own before the percentage kicks in. 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The extra 1% is the currency conversion fee on top of the cross-border fee.",[],{"_key":2024,"_type":143,"children":2025,"markDefs":2030,"style":1229},"how-stripe-fees-affect-profit-margins-heading",[2026],{"_key":2027,"_type":147,"marks":2028,"text":2029},"how-stripe-fees-affect-profit-margins-heading-0",[],"How Stripe fees affect profit margins",[],{"_key":2032,"_type":143,"children":2033,"markDefs":2038,"style":164},"margins-above-gross-profit",[2034],{"_key":2035,"_type":147,"marks":2036,"text":2037},"margins-above-gross-profit-0",[],"Payment processing costs sit above gross profit, which means every dollar in Stripe fees reduces the revenue available to cover COGS, salaries, marketing, and everything else.",[],{"_key":2040,"_type":143,"children":2041,"markDefs":2046,"style":164},"margins-example-intro",[2042],{"_key":2043,"_type":147,"marks":2044,"text":2045},"margins-example-intro-0",[],"Here's a straightforward example:",[],{"_key":2048,"_type":1520,"columnHeaders":2049,"hasColumnTitles":602,"hasRowTitles":119,"rows":2056},"margin-example-table",[2050,2053],{"_key":2051,"_type":1524,"cellIndex":1525,"title":2052},"margin-example-table-header-0","",{"_key":2054,"_type":1524,"cellIndex":1314,"title":2055},"margin-example-table-header-1","Amount",[2057,2082,2107,2132],{"_key":2058,"_type":1544,"cells":2059},"margin-example-table-row-0",[2060,2071],{"_key":2061,"_type":1548,"content":2062},"margin-example-table-cell-0-0",[2063],{"_key":2064,"_type":143,"children":2065,"markDefs":2070,"style":164},"margin-example-table-cell-0-0-block",[2066],{"_key":2067,"_type":147,"marks":2068,"text":2069},"margin-example-table-cell-0-0-block-0",[],"Product price",[],{"_key":2072,"_type":1548,"content":2073},"margin-example-table-cell-0-1",[2074],{"_key":2075,"_type":143,"children":2076,"markDefs":2081,"style":164},"margin-example-table-cell-0-1-block",[2077],{"_key":2078,"_type":147,"marks":2079,"text":2080},"margin-example-table-cell-0-1-block-0",[],"USD $100.00",[],{"_key":2083,"_type":1544,"cells":2084},"margin-example-table-row-1",[2085,2096],{"_key":2086,"_type":1548,"content":2087},"margin-example-table-cell-1-0",[2088],{"_key":2089,"_type":143,"children":2090,"markDefs":2095,"style":164},"margin-example-table-cell-1-0-block",[2091],{"_key":2092,"_type":147,"marks":2093,"text":2094},"margin-example-table-cell-1-0-block-0",[],"Stripe fee (domestic)",[],{"_key":2097,"_type":1548,"content":2098},"margin-example-table-cell-1-1",[2099],{"_key":2100,"_type":143,"children":2101,"markDefs":2106,"style":164},"margin-example-table-cell-1-1-block",[2102],{"_key":2103,"_type":147,"marks":2104,"text":2105},"margin-example-table-cell-1-1-block-0",[],"– USD $3.20",[],{"_key":2108,"_type":1544,"cells":2109},"margin-example-table-row-2",[2110,2121],{"_key":2111,"_type":1548,"content":2112},"margin-example-table-cell-2-0",[2113],{"_key":2114,"_type":143,"children":2115,"markDefs":2120,"style":164},"margin-example-table-cell-2-0-block",[2116],{"_key":2117,"_type":147,"marks":2118,"text":2119},"margin-example-table-cell-2-0-block-0",[],"COGS (50%)",[],{"_key":2122,"_type":1548,"content":2123},"margin-example-table-cell-2-1",[2124],{"_key":2125,"_type":143,"children":2126,"markDefs":2131,"style":164},"margin-example-table-cell-2-1-block",[2127],{"_key":2128,"_type":147,"marks":2129,"text":2130},"margin-example-table-cell-2-1-block-0",[],"– USD $50.00",[],{"_key":2133,"_type":1544,"cells":2134},"margin-example-table-row-3",[2135,2146],{"_key":2136,"_type":1548,"content":2137},"margin-example-table-cell-3-0",[2138],{"_key":2139,"_type":143,"children":2140,"markDefs":2145,"style":164},"margin-example-table-cell-3-0-block",[2141],{"_key":2142,"_type":147,"marks":2143,"text":2144},"margin-example-table-cell-3-0-block-0",[1250],"Gross margin",[],{"_key":2147,"_type":1548,"content":2148},"margin-example-table-cell-3-1",[2149],{"_key":2150,"_type":143,"children":2151,"markDefs":2156,"style":164},"margin-example-table-cell-3-1-block",[2152],{"_key":2153,"_type":147,"marks":2154,"text":2155},"margin-example-table-cell-3-1-block-0",[1250],"USD $46.80",[],{"_key":2158,"_type":143,"children":2159,"markDefs":2164,"style":164},"margins-pricing-decisions",[2160],{"_key":2161,"_type":147,"marks":2162,"text":2163},"margins-pricing-decisions-0",[],"This is why founders who track Stripe payment costs as a percentage of revenue early tend to make better pricing decisions.",[],{"_key":2166,"_type":143,"children":2167,"markDefs":2172,"style":1229},"how-stripe-fees-affect-cash-flow-heading",[2168],{"_key":2169,"_type":147,"marks":2170,"text":2171},"how-stripe-fees-affect-cash-flow-heading-0",[],"How Stripe fees affect cash flow",[],{"_key":2174,"_type":143,"children":2175,"markDefs":2180,"style":164},"cash-flow-deducted",[2176],{"_key":2177,"_type":147,"marks":2178,"text":2179},"cash-flow-deducted-0",[],"Stripe deducts its cut automatically before payouts, transforming processing fees into a direct, recurring cash drain on your bank balance. Because this cost scales linearly, it multiplies quietly alongside your growth.",[],{"_key":2182,"_type":143,"children":2183,"markDefs":2188,"style":164},"cash-flow-example-intro",[2184],{"_key":2185,"_type":147,"marks":2186,"text":2187},"cash-flow-example-intro-0",[],"For example:",[],{"_key":2190,"_type":143,"children":2191,"level":1314,"listItem":1315,"markDefs":2196,"style":164},"cash-flow-450k",[2192],{"_key":2193,"_type":147,"marks":2194,"text":2195},"cash-flow-450k-0",[],"At USD $450K annual volume (USD $75 average order value): you lose USD $1,238\u002Fmonth (USD $14,850 annually) in processing fees.",[],{"_key":2198,"_type":143,"children":2199,"level":1314,"listItem":1315,"markDefs":2204,"style":164},"cash-flow-2m",[2200],{"_key":2201,"_type":147,"marks":2202,"text":2203},"cash-flow-2m-0",[],"At USD $2M annual volume (USD $150 average order value): that jumps to USD $5,167\u002Fmonth (USD $62,000 annually).",[],{"_key":2206,"_type":143,"children":2207,"markDefs":2212,"style":164},"cash-flow-unmonitored",[2208],{"_key":2209,"_type":147,"marks":2210,"text":2211},"cash-flow-unmonitored-0",[],"Leaving these costs unmonitored means missing a major six-figure line item on your financial model. Part of managing that is controlling which payment methods your customers even see at checkout.",[],{"_key":2214,"_type":143,"children":2215,"markDefs":2220,"style":164},"cash-flow-payment-methods",[2216],{"_key":2217,"_type":147,"marks":2218,"text":2219},"cash-flow-payment-methods-0",[],"When you send invoices through Aspire, you can configure which Stripe payment methods appear on each payment link, like cards, ACH, Apple Pay, Klarna, Afterpay, and others.",[],{"_key":2222,"_type":143,"children":2223,"markDefs":2228,"style":1229},"how-to-reduce-stripe-payment-processing-fees-heading",[2224],{"_key":2225,"_type":147,"marks":2226,"text":2227},"how-to-reduce-stripe-payment-processing-fees-heading-0",[],"How to reduce Stripe payment processing fees",[],{"_key":2230,"_type":143,"children":2231,"markDefs":2236,"style":164},"reduce-intro",[2232],{"_key":2233,"_type":147,"marks":2234,"text":2235},"reduce-intro-0",[],"You can't change Stripe's published rates on a standard plan, but you can change how much you pay in aggregate by increasing average order value, managing your international transaction mix, and negotiating custom pricing once you cross volume thresholds.",[],{"_key":2238,"_type":143,"children":2239,"markDefs":2244,"style":164},"reduce-where-to-start",[2240],{"_key":2241,"_type":147,"marks":2242,"text":2243},"reduce-where-to-start-0",[],"Here's where to start:",[],{"_key":2246,"_type":143,"children":2247,"markDefs":2252,"style":1509},"1-raise-your-average-transaction-value-heading",[2248],{"_key":2249,"_type":147,"marks":2250,"text":2251},"1-raise-your-average-transaction-value-heading-0",[],"1. Raise your average transaction value",[],{"_key":2254,"_type":143,"children":2255,"markDefs":2260,"style":164},"reduce-raise-value",[2256],{"_key":2257,"_type":147,"marks":2258,"text":2259},"reduce-raise-value-0",[],"The USD $0.30 fixed fee is a flat cost that doesn't scale. If your average order is USD $15, you're paying a 5.3% effective rate. Get that to USD $50 and you're at 3.5%. Bundles, upsells, and annual billing (instead of monthly) all push average transaction value up and push your effective Stripe processing fee rate down without changing a single price point.",[],{"_key":2262,"_type":143,"children":2263,"markDefs":2268,"style":1509},"2-review-your-international-transaction-mix-heading",[2264],{"_key":2265,"_type":147,"marks":2266,"text":2267},"2-review-your-international-transaction-mix-heading-0",[],"2. Review your international transaction mix",[],{"_key":2270,"_type":143,"children":2271,"markDefs":2276,"style":164},"reduce-international-mix",[2272],{"_key":2273,"_type":147,"marks":2274,"text":2275},"reduce-international-mix-0",[],"If 30% of your volume comes from international cards, your blended Stripe payment cost is meaningfully higher than the domestic headline rate. Knowing that number lets you price accordingly for international markets or explore strategies to reduce FX exposure.",[],{"_key":2278,"_type":143,"children":2279,"markDefs":2284,"style":1509},"3-evaluate-ach-for-high-value-b2b-payments-heading",[2280],{"_key":2281,"_type":147,"marks":2282,"text":2283},"3-evaluate-ach-for-high-value-b2b-payments-heading-0",[],"3. Evaluate ACH for high-value B2B payments",[],{"_key":2286,"_type":143,"children":2287,"markDefs":2292,"style":164},"reduce-ach",[2288],{"_key":2289,"_type":147,"marks":2290,"text":2291},"reduce-ach-0",[],"For US customers paying invoices above USD $500, ACH bank transfer is the most direct way to reduce Stripe payment processing fees. Stripe charges 0.8% capped at USD $5 for ACH, which means a USD $5,000 invoice costs USD $5 via ACH versus USD $145.30 via card.",[],{"_key":2294,"_type":143,"children":2295,"markDefs":2300,"style":164},"reduce-ach-try-it",[2296],{"_key":2297,"_type":147,"marks":2298,"text":2299},"reduce-ach-try-it-0",[],"Use the calculator above, switch the customer type to \"Bank Transfer (ACH),\" and run your B2B volume through it.",[],{"_key":2302,"_type":143,"children":2303,"markDefs":2308,"style":164},"reduce-ach-note",[2304],{"_key":2305,"_type":147,"marks":2306,"text":2307},"reduce-ach-note-0",[1251],"Note: ACH works for US bank accounts only, and settlement is slower than card payments and typically takes 3–5 business days. It's best suited for enterprise clients and high-value invoices where payment timing is predictable.",[],{"_key":2310,"_type":143,"children":2311,"markDefs":2316,"style":1509},"4-negotiate-once-you-cross-the-volume-threshold-heading",[2312],{"_key":2313,"_type":147,"marks":2314,"text":2315},"4-negotiate-once-you-cross-the-volume-threshold-heading-0",[],"4. Negotiate once you cross the volume threshold",[],{"_key":2318,"_type":143,"children":2319,"markDefs":2324,"style":164},"reduce-negotiate",[2320],{"_key":2321,"_type":147,"marks":2322,"text":2323},"reduce-negotiate-0",[],"Businesses with high or growing payment volume may be able to discuss custom pricing with Stripe. If Stripe fees have become a major cost line, contact Stripe’s sales team to review available pricing options.",[],{"_key":2326,"_type":143,"children":2327,"markDefs":2332,"style":1509},"5-track-annual-fees-heading",[2328],{"_key":2329,"_type":147,"marks":2330,"text":2331},"5-track-annual-fees-heading-0",[],"5. Track annual fees",[],{"_key":2334,"_type":143,"children":2335,"markDefs":2340,"style":164},"reduce-track-annual",[2336],{"_key":2337,"_type":147,"marks":2338,"text":2339},"reduce-track-annual-0",[],"The Stripe processing fee per transaction looks small. The annual number tells a different story. Build it into your P&L from day one, and revisit it every quarter as volume grows. The goal is to make sure you're not discovering a USD $50,000 annual cost line in your Series A materials for the first time.",[],{"_key":2342,"_type":143,"children":2343,"markDefs":2348,"style":1229},"conclusion-heading",[2344],{"_key":2345,"_type":147,"marks":2346,"text":2347},"conclusion-heading-0",[],"Conclusion",[],{"_key":2350,"_type":143,"children":2351,"markDefs":2356,"style":164},"conclusion-number-to-work-from",[2352],{"_key":2353,"_type":147,"marks":2354,"text":2355},"conclusion-number-to-work-from-0",[],"The Stripe fee calculator above gives you the number to work from: per transaction, per month, per year, and relative to your alternatives. Use it when you're modeling unit economics, building a P&L, or stress-testing your pricing assumptions.",[],{"_key":2358,"_type":2359,"faqs":2360,"groups":369,"heading":2493},"frequently-asked-questions","faqSection",[2361,2373,2385,2397,2409,2421,2433,2445,2457,2469,2481],{"_id":2362,"answer":2363,"question":2372},"faq-US-how-do-stripe-fees-work",[2364],{"_key":2365,"_type":143,"children":2366,"markDefs":2371,"style":164},"how-do-stripe-fees-work-answer",[2367],{"_key":2368,"_type":147,"marks":2369,"text":2370},"how-do-stripe-fees-work-answer-0",[],"Stripe charges a percentage of each transaction plus a flat per-transaction fee. For domestic US card payments, the normal charge is 2.9% + USD $0.30. This indicates that a USD $100 payment results in USD $96.80 in net revenue after USD $3.20 in Stripe fees.",[],"How do Stripe fees work?",{"_id":2374,"answer":2375,"question":2384},"faq-US-how-much-does-stripe-charge-per-transaction",[2376],{"_key":2377,"_type":143,"children":2378,"markDefs":2383,"style":164},"how-much-does-stripe-charge-per-transaction-answer",[2379],{"_key":2380,"_type":147,"marks":2381,"text":2382},"how-much-does-stripe-charge-per-transaction-answer-0",[],"For domestic US card transactions, Stripe charges 2.9% + USD $0.30. International transactions cost more: 4.4% + USD $0.30 for cross-border cards, and 5.4% + USD $0.30 when currency conversion is also involved.",[],"How much does Stripe charge per transaction?",{"_id":2386,"answer":2387,"question":2396},"faq-US-are-international-stripe-fees-higher",[2388],{"_key":2389,"_type":143,"children":2390,"markDefs":2395,"style":164},"are-international-stripe-fees-higher-answer",[2391],{"_key":2392,"_type":147,"marks":2393,"text":2394},"are-international-stripe-fees-higher-answer-0",[],"Yes. The cross-border fee Stripe charges when a card is issued outside of the US is reflected in the 1.5 percentage point difference between the ordinary domestic rate of 2.9% + USD $0.30 and the international cost of 4.4% + USD $0.30. The Stripe CC processing charge increases to 5.4% + USD $0.30 when currency conversion is included.",[],"Are international Stripe fees higher?",{"_id":2398,"answer":2399,"question":2408},"faq-US-does-stripe-charge-for-currency-conversion",[2400],{"_key":2401,"_type":143,"children":2402,"markDefs":2407,"style":164},"does-stripe-charge-for-currency-conversion-answer",[2403],{"_key":2404,"_type":147,"marks":2405,"text":2406},"does-stripe-charge-for-currency-conversion-answer-0",[],"Yes. When a customer pays in a non-USD currency, Stripe adds a 1% currency conversion fee on top of its standard international rate. That brings the total Stripe service fee to 5.4% + USD $0.30 for international payments with currency conversion.",[],"Does Stripe charge for currency conversion?",{"_id":2410,"answer":2411,"question":2420},"faq-US-how-do-i-calculate-stripe-fees-manually",[2412],{"_key":2413,"_type":143,"children":2414,"markDefs":2419,"style":164},"how-do-i-calculate-stripe-fees-manually-answer",[2415],{"_key":2416,"_type":147,"marks":2417,"text":2418},"how-do-i-calculate-stripe-fees-manually-answer-0",[],"Use this formula: Stripe fee = (Transaction Amount × 2.9%) + USD $0.30. For example, for a USD $150 payment: (USD $150 × 0.029) + USD $0.30 = USD $4.35 + USD $0.30 = USD $4.65. To get monthly fees, multiply by your transaction count. To get annual fees, multiply that monthly total by 12. The Stripe processing fee calculator above automates all of this, including the competitor comparison, so you don't have to run the math manually.",[],"How do I calculate Stripe fees manually?",{"_id":2422,"answer":2423,"question":2432},"faq-US-what-percentage-of-revenue-does-a-business-keep-after-stripe-fees",[2424],{"_key":2425,"_type":143,"children":2426,"markDefs":2431,"style":164},"what-percentage-of-revenue-does-a-business-keep-after-stripe-fees-answer",[2427],{"_key":2428,"_type":147,"marks":2429,"text":2430},"what-percentage-of-revenue-does-a-business-keep-after-stripe-fees-answer-0",[],"At the standard domestic rate (2.9% + USD $0.30), most businesses retain between 96–97% of revenue at average transaction sizes of USD $50 or above. Smaller average order values reduce that percentage; a USD $10 average transaction yields closer to 94% retained after Stripe card fees. The retained revenue percentage also drops for international transactions due to the higher Stripe payment processing fees at those tiers.",[],"What percentage of revenue does a business keep after Stripe fees?",{"_id":2434,"answer":2435,"question":2444},"faq-US-is-stripe-cheaper-than-paypal",[2436],{"_key":2437,"_type":143,"children":2438,"markDefs":2443,"style":164},"is-stripe-cheaper-than-paypal-answer",[2439],{"_key":2440,"_type":147,"marks":2441,"text":2442},"is-stripe-cheaper-than-paypal-answer-0",[],"Yes, for standard credit and debit card payments. Stripe charges 2.9% + $0.30 per domestic transaction versus PayPal's standard card rate of 2.99% + $0.49. On a $100 payment, that's $3.20 with Stripe versus $3.48 with PayPal. Note that PayPal's rates vary by product: PayPal Checkout carries a higher rate of 3.49% + a fixed fee, which widens the gap further. The comparison in the calculator above uses PayPal's standard card processing rate as the baseline.",[],"Is Stripe cheaper than PayPal?",{"_id":2446,"answer":2447,"question":2456},"faq-US-is-stripe-cheaper-than-square",[2448],{"_key":2449,"_type":143,"children":2450,"markDefs":2455,"style":164},"is-stripe-cheaper-than-square-answer",[2451],{"_key":2452,"_type":147,"marks":2453,"text":2454},"is-stripe-cheaper-than-square-answer-0",[],"For online payments, yes. Square charges 3.3% + USD $0.30 for online card payments. On USD $100, Stripe costs USD $3.20 vs. Square's USD $3.60. Square becomes competitive for in-person retail, where its card-present rate differs from its online payment rate. For online payments, Square’s listed rate is 3.3% + $0.30. For online processing, Stripe has the better payment processing fee for most US startups.",[],"Is Stripe cheaper than Square?",{"_id":2458,"answer":2459,"question":2468},"faq-US-when-should-i-consider-alternatives-to-stripe",[2460],{"_key":2461,"_type":143,"children":2462,"markDefs":2467,"style":164},"when-should-i-consider-alternatives-to-stripe-answer",[2463],{"_key":2464,"_type":147,"marks":2465,"text":2466},"when-should-i-consider-alternatives-to-stripe-answer-0",[],"Consider Stripe alternatives if the majority of your revenue comes from high-value B2B invoices where ACH is the norm or if you sell primarily in person where Square's POS infrastructure is more purpose-built, or if your international volume is high enough that cross-border fees materially dent your margins. Run those scenarios through the calculator above to understand better.",[],"When should I consider alternatives to Stripe?",{"_id":2470,"answer":2471,"question":2480},"faq-US-does-stripe-have-a-monthly-fee",[2472],{"_key":2473,"_type":143,"children":2474,"markDefs":2479,"style":164},"does-stripe-have-a-monthly-fee-answer",[2475],{"_key":2476,"_type":147,"marks":2477,"text":2478},"does-stripe-have-a-monthly-fee-answer-0",[],"No. Stripe's standard plan has no monthly subscription fee. You only pay when you process a transaction. That makes it useful for businesses with variable or unpredictable payment volume. Some add-on products like Stripe Billing, Stripe Radar for Fraud Teams, or Stripe Sigma carry additional costs. Stripe Billing for subscriptions adds 0.7% of billing volume on top of your standard transaction rate on the pay-as-you-go plan. The calculations in this Stripe fees calculator reflect standard online card processing only, not add-on product fees.",[],"Does Stripe have a monthly fee?",{"_id":2482,"answer":2483,"question":2492},"faq-US-does-stripe-charge-for-chargebacks-or-disputes",[2484],{"_key":2485,"_type":143,"children":2486,"markDefs":2491,"style":164},"does-stripe-charge-for-chargebacks-or-disputes-answer",[2487],{"_key":2488,"_type":147,"marks":2489,"text":2490},"does-stripe-charge-for-chargebacks-or-disputes-answer-0",[],"Yes. Stripe charges a $15 dispute fee each time a customer initiates a chargeback on a card payment. If you win the dispute, Stripe refunds the $15. If you lose, the fee is non-refundable and you also lose the transaction amount. For ACH payments, the dispute fee is $15 as well, but the process differs since bank transfer disputes are governed by NACHA rules rather than card network rules. Dispute fees are separate from your standard Stripe processing fee and are not reflected in the calculator above, which covers transaction costs only.",[],"Does Stripe charge for chargebacks or disputes?","Frequently asked questions",{"_key":2495,"_type":2496,"background":2497,"body":2498,"ctas":2499,"footnote":369,"heading":2509,"variant":2510},"start-your-journey-with-aspire","ctaSection","mint-gradient","Open your free account",[2500],{"_key":2501,"_type":1078,"link":2502,"variant":2508},"start-your-journey-secondary",{"_type":494,"form":369,"internal":2503,"internalTarget":2505,"label":2507,"linkType":322},{"_ref":2504,"_type":321},"page-US-talk-to-sales",{"_type":498,"slug":2506},"talk-to-sales","Talk to Sales","secondary","Start your journey with Aspire","emailCapture",{"_type":122,"metaDescription":2512,"metaTitle":2513},"Estimate your Stripe fees in seconds. See per-transaction costs, monthly totals, and how Stripe compares with PayPal, Square, and Amazon Pay.","Stripe fee calculator: calculate Stripe fees instantly (2026)",{"_type":2515,"current":2516},"slug","calculators\u002Fstripe-fee-calculator",1790850612598]