Question 1

How much does Stripe charge per transaction?

Accepted Answer

Stripe's standard online rate is 2.9% + $0.30 per transaction. In-person payments via Stripe Terminal are 2.6% + $0.10. High-volume businesses can negotiate custom rates, often 2.5-2.7% + lower fixed fees. International cards add +1.5%, and currency conversion adds +1%.

Question 2

Does Stripe charge fees on refunds?

Accepted Answer

Yes. When you refund a transaction, Stripe returns the refund amount to the customer but keeps the original processing fee. For a $100 transaction at 2.9% + $0.30, you'd lose $3.20 in fees even after refunding. This is standard across most payment processors.

Question 3

What is Stripe's effective rate?

Accepted Answer

The effective rate is your total Stripe fees divided by total revenue — your true all-in cost. For domestic-only sellers, it's typically 3.0-3.2%. With international cards, disputes, and refunds, it can climb to 3.5-4.5%. This calculator shows your exact effective rate based on your transaction mix.

Question 4

How much does Stripe charge for international transactions?

Accepted Answer

International cards (issued outside your country) add +1.5% on top of the base rate. If currency conversion is also needed, that's an additional +1%. So an international transaction with conversion costs 2.9% + 1.5% + 1% + $0.30 = 5.4% + $0.30 total.

Question 5

How much do Stripe chargebacks cost?

Accepted Answer

Each dispute/chargeback costs $15 on Stripe, regardless of the transaction amount. If you win the dispute, Stripe refunds the $15 fee. The industry average dispute rate is 0.5-1%. Reducing chargebacks through clear billing descriptors and proactive customer service saves significant fees at scale.

Free Stripe Fee Calculator

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