Stripe Payments
No monthly or setup fee, 2.9% + 30¢ online and 2.7% + 5¢ in person, with payment links and invoices that need no code
Rates verified October 14, 2026See pricingThe Bottom Line
- In-person card rate
- 2.7% + 5¢ (verified Oct 14, 2026). All rates and fees
Key facts
- No monthly fee: 2.9% + 30¢ for a domestic card online, 2.7% + 5¢ in person with a Stripe reader.
- A card typed in adds 0.5%, an international card adds 1.5%, and converting currency adds 1%.
- Every dispute costs $15 that is not returned, and refunds do not return the processing fee.
Pros
- No monthly, setup or hidden fees
- The in-person rate (2.7% + 5¢) is lower than the online rate (2.9% + 30¢)
- Payment links and invoices let you get paid without writing code
- Instant payouts to a debit card are available at 1.5%
Cons
- A $15 dispute fee on every dispute, and Stripe does not return it even if you win
- The first payout typically takes 7 to 14 days
- Processing fees are not returned when you refund a sale
- Typed-in, international and currency-converted payments each add a percentage on top
At a glance
Rates verified October 14, 2026- Pricing model
- Flat rate
- In-person card rate
- 2.7% + 5¢ (Standard pricing, domestic cards with a Stripe Terminal reader)
- Online card rate
- 2.9% + 30¢ (Standard pricing, domestic cards; also payment links and checkout)
- Keyed-in rate
- 3.4% + 30¢ (Standard pricing: 2.9% + 30¢ plus 0.5% for a card typed in by hand)
- Monthly fee
- $0 a month
- Free plan
- Yes
- PCI fee
- No PCI fee is listed on the pricing pages. Stripe says it charges no monthly, hidden or setup fees. You still confirm PCI compliance in your Dashboard.
- Chargeback fee
- $15
- Bank (ACH) payments
- 0.8%, capped at $5
- Refunds
- Stripe's processing fees from the original transaction are not returned on a refund.
- Payout speed
- Standard payouts settle in 2 business days for US accounts; a new account's first payout typically takes 7 to 14 days. Instant payouts to an eligible debit card cost 1.5% (minimum 50¢).
- Contract
- No contract term is listed. You can close your account at any time from the Dashboard.
- Early termination
- No early termination fee is listed; you can close your account at any time from the Dashboard
- Holds and reserves
- Stripe says it can place a reserve, a temporary hold on part of your funds for a set period, when it sees higher risk, for example an industry with longer-than-average delivery windows, elevated disputes or a sharp, unexplained rise in volume. It emails you the amount and period and reviews the account a few days before the reserve ends. A reserve does not stop you from taking payments, and in rare cases it can be required indefinitely.
- Card reader
- $59 (Stripe Reader M2)
- Terminal
- $299 (Stripe Reader S700)
- Best for
- Online sellers, In-person sellers
- Other fees to know
- Card typed in by hand: +0.5% (3.4% + 30¢ in all); International cards: +1.5%; Currency conversion: +1%; Tap to Pay on a phone: +10¢ per payment; Invoices: Payments rate + 0.4% per paid invoice on Starter (0.5% on Plus); ACH debit: 0.8%, capped at $5 (1.2% with two-day settlement); Instant payout: 1.5%, minimum 50¢; Dispute: $15 when received, not returned; +$15 if you respond yourself, returned if you win; Radar fraud screening: Radar Lite included; Radar Standard from $10 a month
- Countries
- Rates here are for businesses in the United States. Stripe says it supports cardholders in more than 195 countries.
Sources: support.stripe.com/questions/manually-entered-c…, stripe.com/es-us/pricing, read October 14, 2026
Is it worth it?
About $278 in person, or $340 online a month in fees on $10,000 of card sales
A business taking $10,000 a month in card payments, in about 167 sales of $60, would pay about $278 if every sale is in person (Standard plan at 2.7% + 5¢, with no monthly fee), and about $340 if every sale is online (Standard plan at 2.9% + 30¢, with no monthly fee). Hardware, PCI fees, chargebacks and other fees are not included, and rates change, so the date above matters.
Read this before you sign up
- Every dispute costs $15 and Stripe does not return that fee, even if you win. Responding yourself adds a second $15 fee, which is returned if you win.
- Stripe can place a reserve on part of your funds if it sees higher risk, and in rare cases a reserve can last indefinitely.
- A new account's first payout typically takes 7 to 14 days.
- Processing fees are not returned when you refund a sale.
- Stripe may close an account at any time on notice, under its Services Agreement.
- Extras stack: 0.5% for a card typed in, 1.5% for international cards and 1% for currency conversion are each added to the base rate.
- Custom and interchange-plus pricing exist for large volumes but are quote-only, so they cannot be priced here.
Where these numbers come from
Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.
- English US confirmation: 2.9% + 30¢ standard, 3.4% + 30¢ manual entry, 2.7% + 5¢ Terminal, invoices from 3.3% + 30¢ Vendor page (2026-10-14)
- Online, keyed-in and in-person card rates, no monthly or setup fees, ACH, dispute fees, instant payouts, reader prices, Radar (US locale, Spanish page, US dollars) Vendor page (2026-10-14)
- Second read of the same US rate card (US locale, Chinese page, US dollars) Vendor page (2026-10-14)
- Terminal rate and reader prices (US locale) Vendor page (2026-10-14)
- Dispute received and countered fee behaviour Vendor page (2026-10-14)
- Dispute received fee never returned Vendor page (2026-10-14)
- Instant payout fee (1.5% for the US) and US minimum Vendor page (2026-10-14)
- Processing fees not returned on refunds Vendor page (2026-10-14)
- US settlement timing and first payout timing Vendor page (2026-10-14)
- Reserves Vendor page (2026-10-14)
- Invoicing fees (US locale) Vendor page (2026-10-14)
- ACH debit rate and cap (US locale) Vendor page (2026-10-14)
- Radar plans (US locale) Vendor page (2026-10-14)
- Closing an account, services agreement Vendor page (2026-10-14)
What is Stripe Payments?
Stripe Payments is Stripe's card processing for US businesses. It suits small businesses that sell on a website, send invoices or share payment links, and that may also want a card reader for sales in person. There is no monthly fee and no setup fee: you pay a percentage of each sale. A domestic card costs 2.9% + 30¢ online or on a payment link, and 2.7% + 5¢ in person with a Stripe reader.
Extras are added on top: 0.5% when a card is typed in by hand, 1.5% for international cards and 1% when a currency has to be converted. Invoices add 0.4% per paid invoice on the Starter plan, bank (ACH) debits cost 0.8% capped at $5, and an instant payout to a debit card costs 1.5% with a 50¢ minimum. Card readers start at $59, and Tap to Pay on a phone adds 10¢ per payment.
One thing to know: Stripe charges $15 for every dispute a customer opens and does not return that fee, even if you win, and it keeps the processing fee when you refund a sale. New accounts also wait for their money: the first payout typically takes 7 to 14 days, and Stripe can place a reserve on part of your funds if it sees risk.
Key details
No monthly, setup or hidden fees: you pay a percentage of each saleOnline checkout, payment links with no code, and invoicesCard readers (from $59) and Tap to Pay on iPhone and AndroidBank (ACH) debits at 0.8%, capped at $5Instant payouts to an eligible debit card at 1.5%Radar Lite fraud screening included; Radar Standard from $10 a month
Explore more
Stripe Payments FAQ
How much does Stripe charge per card payment in the US?
2.9% + 30¢ for a domestic card online or on a payment link. A card typed in by hand adds 0.5% (3.4% + 30¢ in all), an international card adds 1.5%, and 1% more applies when a currency must be converted. In person with a Stripe reader it is 2.7% + 5¢ for domestic cards. Checked on Stripe's US pricing page on October 14, 2026.
Does Stripe charge a monthly fee?
Not for standard payments: Stripe's pricing page says there are no monthly, hidden or setup fees. Optional extras cost more, for example Radar Standard fraud screening starts at $10 a month and cellular data on a card reader is $10 a month per reader. Checked on Stripe's US pricing page on October 14, 2026.
What does Stripe charge for invoices and bank payments?
Invoicing is billed at the Payments rate plus 0.4% per paid invoice on the Starter plan (0.5% on Plus), so a card paid on a Starter invoice costs 3.3% + 30¢. Bank (ACH) debits cost 0.8% capped at $5, or 1.2% if you want two-day settlement. Checked on Stripe's US pricing page on October 14, 2026.
What does a dispute cost on Stripe?
$15 each time a customer opens a dispute, and Stripe does not return it. If you respond to the dispute yourself, a second $15 fee applies, and that one is returned if you win. Checked on Stripe's US pricing page on October 14, 2026.
How much do Stripe card readers cost?
The Stripe Reader M2 is $59, the S700 and S710 are $299 each and the T600 is $329. Tap to Pay on an iPhone or Android phone needs no reader and adds 10¢ per payment. Checked on Stripe's US pricing page on October 14, 2026.
How fast do I get paid on Stripe?
Stripe lists a 2 business day settlement for US accounts, and says a new account's first payout typically takes 7 to 14 days. Instant payouts to an eligible debit card cost 1.5% with a 50¢ minimum. Checked on Stripe's US pricing page and docs on October 14, 2026.
Does Stripe give back its fee when I refund a sale?
No. Stripe says the processing fees from the original transaction are not returned. Checked on Stripe's docs on October 14, 2026.
Can Stripe hold my money?
In some cases, yes. Stripe can place a reserve, a temporary hold on part of your funds for a set period, when it sees higher risk, for example an industry with long delivery windows, elevated disputes or a sharp unexplained jump in volume. It emails you the amount and period, a reserve does not stop you from taking payments, and in rare cases it can last indefinitely. Checked on Stripe's help center on October 14, 2026.
Source: stripe.com