Does Stripe charge monthly fees?

No monthly fees for standard Stripe accounts. You only pay per successful transaction (2.9% + $0.30 (Source: Stripe, 2026)). There are no setup fees, monthly minimums, or hidden costs for standard accounts.

How long does it take to receive Stripe payouts?

Standard payouts arrive in 1–2 business days (free). Instant payouts to your debit card arrive within minutes but cost 1.5% (minimum $0.25, maximum $15). Same-day ACH is available in the US for eligible accounts.

Does Stripe charge for refunds?

No. Stripe does not charge a fee for processing refunds. The original transaction fee is not refunded, but you pay nothing to issue a refund to your customer.

What happens if a customer disputes a charge (chargeback)?

Stripe charges $15 per chargeback. If you win the dispute, the $15 is refunded. If you lose, the dispute fee is non-refundable. Radar fraud protection significantly reduces chargeback rates and can save far more than its cost.

Payment

Stripe Fees 2026: Complete Guide — Transaction, International & Receiving

April 14, 2026 6 min read

Ryan Cole

Senior EcomCalcTools Analyst · Updated April 2026

★ Quick Answer

Stripe fees in 2026: 2.9% + $0.30 (Source: Stripe, 2026) for standard online transactions in the US. Volume discounts bring this to 2.2% + $0.30 for $80K+/month in volume. International cards add 1% more. ACH bank transfers: 0.8% ($5 cap) — ideal for B2B. Subscriptions: Stripe Billing adds 0.5% on top. Radar fraud protection: +0.5–1% depending on risk level. For a $100 transaction, total fees range from $2.60–$3.50. Compare: PayPal is 2.99% + $0.30, Square is 2.6% + $0.10 (in-person) or 2.9% + $0.30 (online).

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