Stripe stands out for having transparent and competitive pricing. The company’s online payment processing solution, Stripe Payments, charges flat-rate, per-transaction fees. And there are no monthly subscription costs.
Overall, you’ll pay 2.9% plus 30 cents per transaction to accept card payments online. Stripe Terminal lets you accept in-person payments for 2.7% plus 5 cents per transaction.
Here's more information about Stripe's fees and add-ons.
Stripe processing fees
Stripe fees mainly come in the form of flat-rate processing costs. Generally, your business will pay the same rate on every transaction. That's true regardless of the size of the transaction, type of card that’s used or the network that issued the card. Your rate may vary based on your country, though. Services are available in more than 40 countries around the world.
Standard fees for businesses operating in the U.S. include the following:
- 2.7% plus 5 cents for in-person transactions.
- 2.9% plus 30 cents for online transactions.
- 3.4% plus 30 cents for manually keyed transactions.
- 4.4% plus 30 cents for international card transactions.
Additional fees
Card, digital wallet and bank transactions may be subject to the following fees:
- 0.8% for ACH direct debits (max of $5).
- 1.5% for international cards.
- 1% for currency conversion on international cards, if required.
- 0.5% for manually entered cards.
- $15 per disputed transaction on issued cards.
Stripe also supports popular payment methods from around the world. Those include Bancontact, EPS, Giropay, iDEAL, Multibanco, pre-authorized debits in Canada and SEPA Direct Debit.
It accepts Afterpay, Affirm and Klarna transactions as well. These payment methods provide the option to buy now, pay later or finance purchases. Rates are typically higher for these purchases versus ones the customer pays for upfront. For example, Stripe charges 5.99% plus 30 cents per Klarna transaction.
Stripe Terminal hardware pricing
The Stripe Terminal allows you to accept in-person payments. On top of processing fees, you'll also need to pay for the cost of the physical card reader or terminal.
Here are Stripe’s hardware options, along with their pricing:
- $59 for Stripe Reader M2.
- $249 for BBPOS WisePOS E card reader.
- $349 for Stripe Reader S700.
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Additional Stripe plans and pricing
You can use the following tools in conjunction with Stripe's payments platform. Here's how fees operate for each add-on:
Stripe Billing
Stripe Billing allows you to set up recurring invoices and subscriptions. There are two plan options available.
- Annual subscription: Starts at $620 per month.
- Pay as you go: 0.7% of billing volume.
Stripe Invoicing
Stripe Invoicing lets you create, customize and send invoices to your customers. The Starter plan provides detailed reports plus a customer portal. The Plus option adds the ability to send quotes to customers.
- Starter: 0.4% per paid invoice.
- Plus: 0.5% per paid invoice.
Stripe Connect
Connect is Stripe’s payment platform. You can use it to build a marketplace, accept customer payments and pay your freelancers and sellers. A standard version comes with with any basic account. If you want to customize your experience, you can opt for the paid version.
- Standard: Included at no additional cost.
- Paid: $2 per monthly active account and 0.25% plus 25 cents per payout sent.
In addition, if you want Stripe to file your 1099s, you’ll need to pay $1.49 to $2.99 per form.
Stripe Radar
Stripe Radar provides fraud and chargeback protection tools. Here are the options available:
- Radar’s machine learning: Included for accounts with standard pricing; 5 cents per screened transaction for accounts with custom pricing.
- Radar for Fraud Teams: 2 cents per screened transaction for accounts with standard pricing; 7 cents per screened transaction for accounts with custom pricing.
- Chargeback Protection: Dispute deflection technology is included; Visa and Mastercard disputes cost $15 each.
Stripe Sigma
Stripe Sigma is an advanced data platform powered by SQL. Pricing is based on how many charges your business processes each month. Here are the first three pricing tiers:
- 0 to 250 charges per month: $15 per month (or $10 per month if paid annually) and 6 cents per additional charge.
- 251 to 2,500 charges per month: $60 per month and 2.5 cents per additional charge. Only annual subscriptions are available.
- 2,501 to 10,000 charges per month: $225 per month and 2.5 cents per additional charge. Only annual subscriptions are available.
Stripe Atlas
The Stripe Atlas platform provides you with tools and guidance for incorporating your startup.
- One-time setup fee: $500.
- Ongoing costs: Varies by business.
Stripe Issuing
The Stripe Issuing platform allows you to create, distribute and manage physical and virtual branded credit cards. They're designed specifically for employees, contractors or clients, according to business needs. You can customize them with spending caps or limit their uses.
- Card creation: $3.50 per physical card; 10 cents per virtual card.
- International payments: 1% plus 30 cents for cross-border transactions (additional 1% fee if currency conversion is required).
- Disputes: $15 per dispute.
Paid support
Your free Stripe account includes 24/7 phone, chat and email support. If you require a customized support plan, you can purchase premium support through the company.
- Premium support plans: Quote-based.
A version of this article was first published on Fundera, a subsidiary of NerdWallet.
