Stripe's fee is not just 2.9%. The fixed $0.30 per charge and the international surcharge change what you really pocket. Enter your numbers to see the fee, your net, and the effective rate — then read on for why gross revenue always overstates what you keep.
Stripe standard US pricing: 2.9% + $0.30 per successful card charge, plus 1.5% for international cards. Currency conversion and other Stripe products cost extra. Rates as of July 2026 — check stripe.com/pricing for your country.
Stripe's standard US pricing is 2.9% of the charge plus a fixed $0.30, on every successful card payment. International cards add about 1.5%, and currency conversion adds roughly another 1%. Other Stripe products and other countries differ, so always confirm against stripe.com/pricing for your account.
The percentage is easy to reason about; the fixed $0.30 is the part people forget, and it is where small charges quietly bleed margin.
On a $50 charge, the $0.30 is a rounding error and your effective rate is close to the headline 2.9%. On a $2 microtransaction, that same $0.30 is 15% on its own — so the effective rate balloons past 20%.
If you sell low-priced items or lots of small subscriptions, the fixed fee, not the percentage, is your real cost. Bundling into fewer, larger charges is often the cheapest change you can make.
Your gross volume is the number Stripe's headline shows; your net revenue is what actually lands after fees and refunds. The gap is bigger than most founders assume, especially at small ticket sizes.
That gap is exactly what VerifiedMRR reports on. It reconciles net revenue across every account, fees included, so the number you plan around is the money you actually keep — not a flattering gross figure.
Stripe's standard US pricing is 2.9% + $0.30 per successful card charge, with an extra ~1.5% for international cards and ~1% for currency conversion. Products and countries differ — check stripe.com/pricing.
Multiply the charge by 2.9% (add 1.5% for international cards) and add $0.30. On a $50 domestic charge that is $1.75. The calculator does it across your monthly volume.
Yes, a lot. On a $2 charge the $0.30 fixed fee alone is 15%, so the effective rate on small tickets runs far above 2.9%.
Your net revenue is what lands after fees and refunds. VerifiedMRR reports net across all your accounts, so you see what you actually keep.
Preview VerifiedMRR free — it reconciles net revenue after fees across every Stripe account, read-only.
