Stripe Fee Calculator
What reaches your Stripe balance after fees, or what to charge to receive an exact amount. Stripe charges 2.9% + $0.30 for US cards, plus international and currency conversion fees. Compared with PayPal and Shopify Payments.
Stripe fees for US accounts, 2026
Published standard rates. Each row links the official page it comes from.
| Payment | Fee |
|---|---|
| Domestic cards | 2.9% + $0.30 |
| International cards | + 1.5% being verified |
| Currency conversion | + 1% being verified |
PayPal vs Stripe vs Shopify Payments
What you keep from the same card payment. PayPal: card through PayPal Checkout; Shopify Payments: Basic plan, standard card.
| Payment | PayPal | Stripe | Shopify Payments |
|---|---|---|---|
| US card, $100 | $96.52 | $96.80 | $96.80 |
| US card, $25 | $23.76 | $23.97 | $23.97 |
| International card, $100 | $95.02 | $95.30 | $95.80 |
| International card with conversion, $250 | $230.78 | $236.20 | $236.20 |
Rates marked "being verified" are published on one official page so far; see how we verify rates.
Frequently asked
How much does Stripe charge on $100?
2.9% + $0.30 for a US card: $3.20, so $96.80 reaches your balance.
What does Stripe charge for international cards and currency conversion?
1.5% more for cards issued outside the US and 1% more when the charge has to be converted. A $100.00 payment with both costs $5.70.
Is Stripe cheaper than PayPal?
For card payments, yes: on $100.00 you keep $96.80 with Stripe and $96.52 with a card through PayPal Checkout. PayPal or Venmo balance payments cost 3.49% + $0.49 and leave $96.02.
Are Stripe fees refunded when I refund a payment?
No. Stripe keeps the processing fee of the original payment when you refund it, so a refund costs you that fee.
How do I charge so that I receive an exact amount?
Add the fixed fee to the amount you want and divide by 1 minus the percentage fee, then round up to the cent. To receive $100.00: charge $104.12 through PayPal Checkout or $103.30 on Stripe. Switch the calculator to “I want to receive”.