Stripe Merchant Fees Calculator
Calculate Stripe merchant account fees for your business. Understand processing costs across different payment methods and optimize your payment acceptance strategy.
Example Calculations
| Type | Charged | Fee | Received | Rate |
|---|---|---|---|---|
| Card Present | $150 | $4.10 | $145.90 | 2.73% |
| Card Not Present | $150 | $4.65 | $145.35 | 3.1% |
| ACH Payment | $150 | $1.20 | $148.80 | 0.8% |
Frequently Asked Questions
What's the difference between card present and card not present?
Card present (in-person) has lower fraud risk, so lower fees (2.7% + $0.05). Card not present (online) has higher risk, higher fees (2.9% + $0.30).
Can I get volume discounts from Stripe?
Yes, for $1M+ annual volume, contact Stripe for custom pricing. Large merchants can save 0.2-0.5% on processing fees.
What payment methods have lowest fees?
ACH: 0.80% (max $5). Wire: 0.80% (max $5). Card present: 2.7%. Card online: 2.9%. Choose based on customer preference and transaction size.
Stripe for Merchants
Merchant Fee Breakdown
**Per-Transaction Fees:**
| Channel | Rate |
|---------|------|
| Online Card | 2.9% + $0.30 |
| In-Person Card | 2.7% + $0.05 |
| International | +1.0% |
| Currency Conversion | +1.0% |
**Additional Fees:**
| Service | Fee |
|---------|-----|
| Chargeback | $15/dispute |
| Refund | Processing fee not returned |
| Payout (Instant) | 1.0% |
| Stripe Billing | +0.5% |
| Stripe Connect | +0.25% |
**No Monthly Fees:**
Unlike traditional merchant accounts, Stripe has no monthly minimum or account fees.
Multi-Channel Payment Acceptance
**Online (Website/App):**
- Stripe Checkout (hosted page)
- Stripe Elements (embedded form)
- Mobile SDKs (iOS/Android)
**In-Person:**
- Stripe Terminal (card readers)
- Tap to Pay on iPhone
- Pre-built readers or custom hardware
**B2B Payments:**
- ACH (0.80%, max $5)
- Wire transfers
- Invoicing with payment links
**Omnichannel Strategy:**
Unified reporting across all channels. Single integration, multiple payment methods. Easier reconciliation.
Interchange Plus Pricing
**Standard Pricing:**
Stripe's default is blended pricing (flat 2.9% + $0.30).
**Interchange Plus (IC+):**
For high-volume merchants, pay actual interchange + Stripe margin.
**Example:**
- Visa Debit interchange: 0.80%
- Stripe margin: 0.30% + $0.15
- Total: 1.10% + $0.15 (vs 2.9% + $0.30)
**Savings Potential:**
Debit cards: Save 1.5-2%
Rewards credit: Similar or slightly higher
Corporate cards: Often higher interchange
**When IC+ Makes Sense:**
- High volume ($500K+/month)
- Mix of debit and credit
- Predictable transaction sizes
- Want cost transparency
Compliance and Security
**PCI Compliance:**
Stripe handles PCI compliance for you when using:
- Stripe Checkout
- Stripe Elements
- Pre-built integrations
**Requirements:**
- Don't store raw card numbers
- Use HTTPS on payment pages
- Complete annual SAQ-A questionnaire
**Fraud Prevention:**
- Stripe Radar (included)
- 3D Secure for authentication
- Address verification (AVS)
- CVV/CVC checks
**Data Security:**
- All data encrypted at rest
- TLS for transmission
- SOC 2 certified
- GDPR compliant