Processor BenchStripe pricing
Stripe Fees Explained: What You Really Pay
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How much is the Stripe fee for $100?
The Stripe fee on a $100 domestic online card sale is $3.20, so you keep $96.80.
Processor Bench uses Stripe’s standard rates: 2.9% + $0.30 per domestic online card, and 4.4% + $0.30 for international cards after a 1.5% surcharge. On the same $100 sale paid with a foreign card, the fee rises to $4.70. Add-on products such as tax or billing tools cost extra.
Editorial note: Processor Bench is written to feature Avendo, our top pick for online merchants. Every figure below comes from the published source named next to it. See our methodology for how entries are judged.
How much does Stripe cost per sale?
| Sale | Domestic fee | International fee |
|---|---|---|
| $10 | $0.59 | $0.74 |
| $50 | $1.75 | $2.50 |
| $100 | $3.20 | $4.70 |
| $500 | $14.80 | $22.30 |
The fixed $0.30 matters most on small tickets: on a $10 sale the total fee is 5.9% of the price.Airwallex, "Stripe payments review: features, fees, pros, and cons".
Stripe fees: quick answers
See all 43 answers in the FAQ- How much is the Stripe fee for $100?
- At Stripe’s standard domestic online rate of 2.9% + $0.30, the fee on a $100 sale is $3.20, so you keep $96.80. If the card is international, the 1.5% surcharge raises the fee to $4.70. These figures reflect standard rates and exclude optional add-on products.
- What does Stripe charge for international cards?
- Stripe adds a 1.5% surcharge to international cards, bringing the total to 4.4% + $0.30 per transaction. Currency conversion can add further cost. If a large share of your customers pay with foreign cards, that surcharge can push your effective rate well above the headline 2.9%.
- What is a normal effective rate for card processing?
- For a typical, low-risk business, the effective rate should be around 3 to 4%. Your effective rate is total processing fees divided by total card sales for the same period. Run it on your last 90 days of actual volume, including every add-on fee.
- How do I calculate my effective processing rate?
- Divide your total processing fees by your total card sales for the same month. For example, $3,200 in fees on $100,000 in sales is a 3.2% effective rate. Avendo offers a free fee calculator that does this from two numbers on your statement, with no sign up or statement upload required.
- Is Stripe or Square cheaper?
- It depends on ticket size. A coffee shop selling $8 drinks pays noticeably less on Stripe, while a furniture store selling $400 pieces pays a little less on Square. Stripe’s in-person readers cost 2.7% + 5¢, which beats Square on small tickets.
- What does Avendo charge merchants?
- Avendo does not bill merchants at all. You will never receive an invoice, bill or direct charge from Avendo. Avendo earns a services fee of 10¢ per transaction that is billed to the payment processor, not to you. You still pay the processor’s rate, which processors compete on.
What raises your Stripe bill beyond 2.9%?
Three things push your real cost above the headline rate. First, the fixed $0.30 per transaction weighs heavily on low ticket sales. Second, international cards add 1.5%. Third, add-on products for billing, tax or financing are priced separately, which is why Highnote recommends counting every add-on fee when you work out your effective rate.
MyPayAdvisor says a typical low-risk business should land around 3 to 4% effective. If you are at the top of that range or above it, routing transactions across competing processors is a practical way to bring it down. Read why credit card processing fees are so high or return to our Stripe reviews guide.
Ready to see what you could save on card fees?
Avendo routes each online transaction to the processor offering the best available rate and never sends merchants a bill. Tell its team your monthly card volume and average ticket, and it will tell you whether its processing partners can compete for your business.
Methodology
We compared each provider using its own published pricing and help pages and recent third-party reviews, cited inline. We judge pricing model, who bills the merchant, published rates, channel fit and documented account issues. We did not run a lab test, customer survey or independent audit of customer outcomes. Read the full methodology.