Stripe fee calculator
Domestic and international cards, stacked currency conversion, subscriptions — and the $5-capped ACH option almost no other calculator mentions, which is often the cheapest way to charge for anything over a few hundred dollars.
Standard rate for cards issued in your own country. No platform fee, just processing.
Refunds don't give you the fee back
Issue a refund and the customer gets their money back — but Stripe keeps its original processing fee. You lose the sale and the fee, the same as on most platforms.
A dispute is worse: Stripe charges a flat $15 per dispute, win or lose. The $15 comes back only if you win — but the original processing fee on that charge is never returned, even then.
Stripe fees at scale
Monthly totals on the Domestic card rate at your $50.00 charge size.
The facts behind this calculator
The standard US rate is 2.9% + $0.30 per successful online card charge, with no setup or monthly fee.
Source: Stripe — Pricing ↗International cards (issued outside your account's country) add 1.5%. Currency conversion (customer pays in a different currency than your payout currency) adds another 1% — and the two stack: an international card that also needs conversion runs 2.9% + 1.5% + 1% = 5.4% + $0.30.
Source: Stripe — Pricing ↗ACH direct debit costs 0.8%, capped at $5 per transaction. Above roughly $625, ACH is cheaper than a card because the percentage stops mattering once the cap kicks in — worth knowing for high-ticket cohort courses or coaching packages.
Source: Stripe — Pricing ↗Disputes cost $15 each, charged whether you win or lose. The $15 is refunded only if you win — but the original processing fee from the disputed charge is never returned either way.
Source: Stripe — Pricing ↗Stripe does not return its processing fee when you issue a refund. The customer gets their full payment back; you keep paying the fee from the original charge.
Source: Stripe — Refund and cancel payments ↗Common questions
How much does Stripe actually charge per transaction?
The standard US rate is 2.9% + $0.30 on a domestic card. International cards add 1.5%, and currency conversion adds another 1% on top of that — the two stack, so an international card needing conversion runs 5.4% + $0.30 total.
Is there a cheaper way to accept larger payments on Stripe?
Yes — ACH direct debit costs 0.8%, capped at $5 per transaction. On a $2,000 cohort course, a card charges roughly $58.30 in fees; ACH caps at $5. The tradeoff is ACH takes several business days to settle, versus instant confirmation on a card.
Does Stripe refund its fee if I refund a customer?
No. Stripe returns the customer's full payment, but keeps its original processing fee. You lose the sale and the fee — the same pattern seen on Gumroad and most other payment platforms.
How much does a dispute (chargeback) cost on Stripe?
$15 per dispute, charged regardless of the outcome. If you win the dispute, the $15 is refunded — but the original processing fee from the disputed charge is not, whether you win or lose.
Does Stripe charge more for subscriptions?
Yes, if you use Stripe Billing to manage recurring charges — it adds 0.7% on top of the standard card rate. A self-managed recurring charge without Billing doesn't carry this surcharge, but you lose the built-in dunning and subscription management.
Does manually entering a card cost more than a normal charge?
Yes. A manually-keyed card (phone or mail orders, no card physically present) adds 0.5% on top of the base rate, reflecting the higher fraud risk card networks assign to card-not-present manual entry.
For the full breakdown including chargebacks, refund handling, and hidden costs, read Stripe fees: the real cost of every card you process.
This calculator shows one charge at a time. Owelet reads your actual Stripe transactions and shows real net income across every platform you sell on, automatically.
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