PaidRouter

Stripe fee on $100 · fees checked 2026-10-29

Stripe takes $3.20 from a $100 payment. You keep $96.80.

Stripe, card charges online card payment, 2.9% + 30¢. The same $100 by bank transfer costs $0.00 to receive. Change the amount below for your own number.

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Show me the cheaper way

What costs less on $100

  1. Melio, bank transfer request: $0.00 instead of $3.20, so you keep $3.20 more per $100.00 payment, $153.60 a year at 4 a month.
  2. Zelle for business (through your bank): $0.00 instead of $3.20, so you keep $3.20 more per $100.00 payment, $153.60 a year at 4 a month.
  3. Wise Business, USD account ($31 once): $0.00 instead of $3.20, so you keep $3.20 more per $100.00 payment, $153.60 a year at 4 a month.
  4. Helcim, ACH: $0.75 instead of $3.20, so you keep $2.45 more per $100.00 payment, $117.60 a year at 4 a month.

Ranked by fee only. Each route is set up in your own account; PaidRouter never holds your money.

Stripe fees at other amounts

PaymentStripe, card feeYou keepCheapest route
$50$1.75$48.25Melio, bank transfer request, $0.00
$100$3.20$96.80Melio, bank transfer request, $0.00
$200$6.10$193.90Melio, bank transfer request, $0.00
$250$7.55$242.45Melio, bank transfer request, $0.00
$500$14.80$485.20Melio, bank transfer request, $0.00
$1,000$29.30$970.70Melio, bank transfer request, $0.00
$2,000$58.30$1,941.70Melio, bank transfer request, $0.00
$5,000$145.30$4,854.70Melio, bank transfer request, $0.00

Questions

How much is the Stripe fee on $100?

$3.20: an online card payment, 2.9% + 30¢. You receive $96.80 of the $100. That is an effective 3.2%.

How do I receive $100 without the Stripe fee?

Ask for a bank transfer. Melio, bank transfer request costs $0.00 to receive $100, nothing at all, so you keep $3.20 more than on Stripe, card. If the client insists on a card, Helcim, card charges $2.85 (estimate).

What does Stripe's fee on $100 add up to over a year?

At 4 payments like this a month, $153.60 a year goes to Stripe. On Melio, bank transfer request the same payments cost $0.00 a year.

All of Stripe's rates, with sources: Stripe fee calculator. Every route compared: cheapest payment processor.

Have an AI assistant? Connect PaidRouter and it answers this for any amount: paidrouter.com/mcp. Free key, ranked by fee only.

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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000