Stripe fees calculator · fees checked 2026-10-29

Stripe takes $29.30 from a $1,000 card payment.

Stripe charges 2.9% + 30¢ on an online card payment, 0.8% capped at $5 by ACH, and 2.7% + 5¢ in person. Type your amount to compare.

Payment amount

Payments like this per month

What you use now

Show me the cheaper way

At common amounts

Fee and effective rate.

Payment	Stripe, card	Stripe Terminal	Stripe, ACH bank debit
$100.00	$3.20 (3.2%)	$2.75 (2.75%)	$0.80 (0.8%)
$500.00	$14.80 (2.96%)	$13.55 (2.71%)	$4.00 (0.8%)
$1,000.00	$29.30 (2.93%)	$27.05 (2.71%)	$5.00 (0.5%)
$5,000.00	$145.30 (2.91%)	$135.05 (2.7%)	$5.00 (0.1%)

What costs less on a $1,000 payment

Melio, bank transfer request: $0.00 instead of $29.30, so you keep $29.30 more per $1,000 payment, $1,406.40 a year at 4 a month.
Zelle for business (through your bank): $0.00 instead of $29.30, so you keep $29.30 more per $1,000 payment, $1,406.40 a year at 4 a month.
Wise Business, USD account ($31 once): $0.00 instead of $29.30, so you keep $29.30 more per $1,000 payment, $1,406.40 a year at 4 a month.
Payoneer receiving account, then withdraw: $1.50 instead of $29.30, so you keep $27.80 more per $1,000 payment, $1,334.40 a year at 4 a month.

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

Questions

What does Stripe charge on $1,000?

$29.30 for an online card payment (2.9% + 30¢), $5.00 by ACH bank debit (0.8%, capped at $5), and $27.05 in person on Stripe Terminal (2.7% + 5¢).

How do I pay less on Stripe?

Turn on ACH Direct Debit for invoices and payment links: the fee is 0.8% with a $5 cap, so a $1,000 payment costs $5 instead of $29.30. For larger volumes, interchange-plus processors such as Helcim come out lower on cards.

Does Stripe have monthly fees?

No. Standard Stripe pricing is pay-as-you-go with no monthly fee; extras such as international cards (+1.5%) and currency conversion (+1%) apply when they occur. See the sourced entries below.

Sources

Platform	Method	Fee	Checked
stripe	card online	2.9% + $0.30	source, 2026-10-29
stripe	card in person	2.7% + $0.05	source, 2026-10-29
stripe	ach debit	0.8%, cap $5	source, 2026-10-29
stripe	stablecoin	1.5%	source, 2026-10-29

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

More: PayPal fee calculator Square fees calculator Venmo business fees Cash App business fees Stripe vs PayPal fees Square vs Stripe fees Venmo vs PayPal fees for getting paid Cheapest payment processor for small business Cheapest way to send money to Mexico Cheapest way to send money to India