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What Stripe's Pricing Page Says It Charges

A plain walkthrough of Stripe's published fees for US small businesses: card rates online and at the counter, international add-ons, refunds and custom pricing.

How Stripe's standard pricing works

Stripe's pricing page says its standard pricing is pay-as-you-go. You pay when you take a payment, and not before. The page also says its standard plan has no setup fees, monthly fees, or hidden fees like closure fees. All fees for businesses on standard pricing are listed on its website.

The online card rate

Stripe's pricing page shows its standard online rate for domestic cards. That rate is 2.9% + 30¢ per successful transaction. That applies to a customer buying from your website with a US card.

In-person cards and manual entry

Stripe's pricing page says in-person card payments cost 2.7% + 5¢ per successful transaction for domestic cards. That is the rate when a customer taps or dips a card on a reader at your counter.

Manually typed cards cost more. Stripe's pricing page says manually entered cards add 0.5% to the online card rate. That covers phone orders where an employee types the card number into a dashboard.

International cards and currency conversion

Two add-ons apply to sales from abroad. Stripe's pricing page says international cards add 1.5% and currency conversion adds 1%. A customer in another country may pay with a foreign card. That triggers the first add-on. If the sale also needs a currency converted, the second one applies too. A cross-border sale can cost the domestic rate plus both add-ons.

What happens to fees on a refund

A refund does not give you back everything. Stripe's pricing page says the payment processing, Connect and currency conversion fees from the original transaction are not returned.

The page adds a wrinkle for bank transfers. A refund can involve a bank transfer. Standard-pricing businesses may be charged a fee for it. Refunds issued through any other payment method carry no fee. So the fee you already paid is gone either way. A bank-transfer refund may cost an extra fee on top.

Custom pricing for larger businesses

Stripe's pricing page says it offers custom pricing. This is for businesses that process large volumes. Who qualifies varies by market. It also offers volume-based discounts. These depend on volume tiers, commitments, and product usage. Custom packages are for businesses with large payments volume. They also fit businesses with unique models.

According to the page, Stripe's sales team will put together a package tailored to you. Payments, Radar, Connect, Invoicing and Billing are among the products that can go in it. Those packages offer several options. They include an IC + model and reduced flat rates. They also include subscriptions and platform buy-rates. Stripe's pricing page says eligibility for custom pricing varies by market.

Other pricing notes on the page

A few smaller lines on Stripe's pricing page are easy to miss.

Stripe is required to charge tax on certain products and services. That tax is charged based on your location or your business or tax status. Two businesses can see different totals for the same product.

Some products cost extra. Stripe's pricing page says Stripe Radar for Fraud Teams and Stripe Connect with platform-controlled pricing are priced separately.

Invoicing has its own plan. The page says its Starter invoicing plan charges 0.4% per paid invoice. Separately, Stripe's page says it charges a per-transaction fee depending on the payment method the end customer uses.

Connect is embedded payments for platforms and marketplaces, as the page describes. Stripe sets and collects processing fees from your users for you, so you don't have to chase them yourself.

For watching your own costs, the page says dashboards, tools, and APIs give you transparency into your costs.

The card rate is only part of what a sale costs you. See paying to be paid tonight for the cost of getting paid quickly. A forty dollar sale at the counter works through one small counter sale.

Published prices change. Confirm every figure on Stripe's own pricing page before you sign up.

Sources

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