Stripe’s U.S. standard rate for a successful domestic online card payment is 2.9% + 30¢. That is a starting point, not a complete estimate: manually entered or international cards, currency conversion, in-person payments, and add-on products can change the bill. This review explains Stripe’s published U.S. pricing and product fit; it does not independently test uptime, support, account holds, or customer satisfaction.
What does Stripe charge for online payments?
Stripe lists a fee of 2.9% + 30¢ per successful domestic online card transaction on its U.S. standard pricing page. The published rate is specific to U.S. standard pricing; it should not be assumed to apply in another market or under a custom agreement. Stripe’s U.S. pricing page lists additional charges for some card and currency situations.
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- Manually entered cards: add 0.5 percentage points to the standard online card rate.
- International cards: add 1.5 percentage points.
- Currency conversion: add 1 percentage point when conversion is required.
These are listed surcharges, not a universal combined rate: the final fee depends on the payment’s circumstances. For example, an international card that also requires currency conversion can incur both listed additions. Model your actual mix of domestic and international cards, entry methods, and settlement currencies rather than multiplying every surcharge into a single headline figure.
How does Stripe price in-person payments?
Stripe Terminal has a separate U.S. standard rate for domestic in-person card transactions: 2.7% + 5¢ per successful transaction. The pricing page lists an additional 1.5 percentage points for international cards. Tap to Pay has a separately listed additional charge of $0.10 per authorization. These are Terminal prices, not the online card rate. Stripe’s pricing page says Terminal works with pre-certified Stripe hardware or select third-party readers, but does not identify a specific reader model on that page.
#1 Best Overall
- With Square Terminal, you can ring up sales, accept payments, and print receipts, all with one device. Use it at the counter or ring up customers anywhere in your store.
- Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
- Process chip cards in just two seconds.
- Get your money as soon as the next business day.
- Use it cordlessly with the built-in battery, designed to last all day.
Before budgeting for in-person sales, check reader compatibility, availability, shipping, and operational support for the setup you intend to use. The published fee schedule alone does not establish which hardware is suitable or available for a particular business.
What does Stripe charge for subscriptions and billing?
Stripe Billing is a separate product charge in addition to payment processing where applicable. Its U.S. pay-as-you-go price is listed as 0.7% of Billing volume. Stripe defines that volume to include Billing transactions processed on and off Stripe, while excluding one-off invoices. So a subscription payment processed through Stripe can involve both Billing’s product fee and the applicable payment-processing fee; the exact setup matters. See Stripe Billing pricing for the product’s current terms.
Rank #2
- An intuitive interface to easily accept payments and manage your sales.
- Strong, reliable Wi-Fi connection. Free SIM card and mobile data so you can process payments anywhere.
- Great battery capability with an additional charging station.
- A truly portable device. Stay in control of your business, wherever you go.
- Support when you need it. Get in touch with our US-based support through phone, email and chat.
The Billing page also lists annual-contract subscription tiers paid monthly, beginning at $620 per month, with additional volume terms. That starting figure is not a universal price for every account: eligibility, volume, and plan fit affect the relevant terms. Review the current plan details before comparing it with pay-as-you-go pricing.
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Connect for platforms and marketplaces
Connect fees depend on how the platform handles payment pricing for connected accounts. Stripe describes a Stripe-managed pricing approach as well as platform-controlled pricing; revenue share requires qualification. A marketplace should therefore evaluate the arrangement it needs—not assume one Connect fee applies to every platform. See Stripe Connect pricing for the applicable model and terms.
Rank #3
- Includes Elavon encryption
- Chip Card / EMV / NFC Compatible
- 2.4’’ Color LCD with backlight
- 192 MB of Memory (128 MB RAM / 64 MB DDR RAM)
- Includes terminal and power supply
Radar for fraud controls
Radar has multiple tiers rather than one price that fits every business. The main U.S. pricing page describes pay-as-you-go pricing starting at $0.05 per screened transaction and monthly plans starting at $10. A separate Radar page distinguishes business and platform tiers, so confirm which account type and feature set apply before using either starting figure as a budget. Standard Payments includes Radar Lite; paid options add controls. See Stripe Radar pricing alongside the main pricing page.
Are there monthly fees, setup fees, or refund charges?
Stripe’s standard-pricing FAQ says there are no setup, monthly, or closure fees for standard pricing. That does not make every Stripe product free of recurring or usage-based charges: Billing and Radar, for example, have separate pricing. Custom schedules may differ. Stripe’s FAQ also says that, for most payment methods, issuing a refund has no separate fee, but original processing, Connect, and currency-conversion fees are not returned. Bank transfers may have refund fees.
Rank #4
- The Clover Compact and Clover Mini /Station sync with each other through the Clover Dashboard and cloud-based network. This allows you to manage transactions, track sales, and access business data across both devices seamlessly. Plug in, not battery/mobile. Requires New Processing account through Powering POS. (US, PR, USVI). CANNOT be used with a different Processor. Rate match guarantee. Contact us for questions
Is Stripe worth it for a small business?
The available evidence supports a pricing and product-fit assessment, not a verdict on Stripe’s reliability or service experience. Stripe’s published prices can be evaluated against a business’s transaction mix, but the cited official pages do not establish independent uptime, support quality, account-hold rates, dispute outcomes, or customer satisfaction. Those factors matter to a processor decision and are not measured here.
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For a useful comparison, use the same business profile and payment mix for every processor under consideration:
Best Value
- With Square Handheld, you can accept payments, take tableside orders, or scan barcodes anywhere. With a slim design and comfortable grip, the POS is easy to carry in your palm or pocket. Square Handheld is designed to withstand water splashes and dust. Add an optional protective case for accidental drops. A long-lasting battery and offline payments let you keep selling.
- Slim, pocketable, and lightweight so you can accept payments wherever your customers are.
- Take tableside orders, bust lines, or use the built-in barcode scanner, all with one sleek device.
- A battery that can power through your shift and offline payments let you keep selling, even if your internet is down.
- Accept all major credit and debit cards and pay one simple rate with no hidden fees and no long-term contracts required.
- Separate online and in-person sales, domestic and international cards, manually entered payments, and currency conversion.
- Include refunds, disputes, and any add-on product fees that apply to the setup.
- Identify whether the business mainly takes one-time ecommerce payments, recurring or usage-based charges, marketplace payments, or in-person sales.
- Check that the payment methods and countries offered match the customers the business actually serves.
- Compare hosted checkout or prebuilt components with the integration work the business needs; do not infer engineering effort from a pricing page.
- For fraud controls and hardware, compare the applicable Radar tier and verified Terminal compatibility rather than relying on broad product labels.
The figures in this article are Stripe-published U.S. standard pricing captured from official pages in 2026, not independently audited prices. Pricing pages can change, and market, product, payment method, taxes, platform setup, or custom agreements may affect the actual total. Check the linked pages for current terms before making a decision.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
