How much does Stripe charge? In the US, 2.9% + $0.30 on every domestic card payment; in Australia, 1.7% + A$0.30. Here's exactly what Stripe costs, what the fees add up to on real invoices, and how to get paid without handing over a cut.
AU figures from stripe.com/au/pricing, checked 10 Sep 2026 (include GST where applicable). US figures are Stripe's standard US rates; confirm on stripe.com/us/pricing.
International cards and currency conversion stack on top of the headline rate, so an overseas client paying in another currency can cost several percent more than a local one. Basic Stripe Radar fraud screening is part of standard pricing; advanced Radar and Stripe Billing for subscriptions are priced separately.
So how much does Stripe charge on a single sale? Every card payment carries a percentage fee plus a fixed fee. The percentage scales with the amount; the fixed 30 cents matters most on small payments — on a $10 sale it is 3% of the total on its own.
Apple Pay and Google Pay are charged at the same card rate, because the wallet passes a card underneath. In-person payments through Stripe Terminal have their own rate, and bank debits (ACH in the US, BECS in Australia) are usually cheaper than cards for large invoices.
Additional fees apply to refunds (the original processing fee is not returned), disputes, currency conversion and optional products. Stripe does not offer chargeback protection on standard pricing, so a lost dispute costs both the sale and the dispute fee. For international customers, add the international card and conversion surcharges to the base rate before you quote a price.
| Invoice amount | Stripe fee (2.9% + $0.30) | You keep |
|---|---|---|
| $100.00 | $3.20 | $96.80 |
| $500.00 | $14.80 | $485.20 |
| $1,000.00 | $29.30 | $970.70 |
| $5,000.00 | $145.30 | $4,854.70 |
| $10,000.00 | $290.30 | $9,709.70 |
Want your own numbers? Use the Stripe fee calculator.
Stripe's standard US rate is 2.9% + $0.30 per successful domestic card payment. International cards add 1.5%, and currency conversion adds 1%. In Australia the standard domestic card rate is 1.7% + A$0.30. There's no monthly fee on standard pricing — you pay when you get paid.
Yes. On top of the card processing fee, Stripe Invoicing Starter charges 0.4% per paid invoice (Stripe's Australian pricing page, checked September 2026). On a $1,000 invoice paid by a domestic US card that's $29.30 in processing plus $4 for the invoice.
Stripe AU lists 1.7% + A$0.30 for domestic cards, a higher rate for international cards, an extra 2% when currency conversion is needed, 1% + A$0.30 (capped at A$3.50) for BECS Direct Debit and PayTo, and A$25 per dispute. Stripe has announced lower domestic pricing from 1 October 2026, so check stripe.com/au/pricing.
In the US Stripe charges $15 for each dispute you receive; in Australia it's A$25. The fee applies whether or not you win the dispute, so clear invoices and receipts are worth the effort.
Basic Stripe Radar fraud screening comes with standard pricing, with more advanced Radar tools and Stripe Billing (subscriptions) priced separately. Check Stripe's pricing page for the tier you need before comparing processors.
Offer a direct option such as bank transfer, PayID, or Zelle alongside cards. Zelle itself charges no fee and some bank transfers cost $0, but bank terms vary. InvoiceSonic can show those details without adding its own percentage fee.
For accepting cards, most processors land in a similar range. A direct bank payment can be cheaper, depending on the rail and account. InvoiceSonic lets you show those payment details without adding a percentage fee, while Stripe may still be the better choice when card convenience or automation matters.
Stripe is 2.9% + $0.30 on US cards; PayPal's goods & services rate is higher at 3.49% + $0.49. Both are card/wallet processors, so both take a percentage. A bank transfer or PayID beats both at $0.
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