What is Stripe's fee per transaction?

For US businesses on standard pricing, 2.9% + 30¢ per successful online card payment, with no monthly fee. International cards add 1.5%, currency conversion adds 1%, in-person payments on Stripe Terminal are 2.7% + 5¢, and ACH Direct Debit is 0.8% capped at $5. Prices as of October 2026.

How much does Stripe charge on $1,000?

$29.30 on a US online card payment, so you receive $970.70. By ACH Direct Debit the same $1,000 costs $5.00, because Stripe caps ACH fees at $5. At Anytime Capital Payments's 2.75% + 30¢, $1,000 by card costs $27.80.

How do I calculate what to charge to cover Stripe fees?

Add 30¢ to the amount you want to receive and divide by 0.971 (one minus 2.9%). To receive $100, charge $103.30: Stripe's fee on that is $3.30, leaving $100.00. Use the calculator's “What to charge” mode for other amounts and rates.

Does Stripe charge more for international cards?

Yes. Stripe adds 1.5% for cards issued outside the US, and another 1% when currency conversion is needed, so an international online payment costs 4.4% + 30¢, or 5.4% + 30¢ with conversion: $4.70 or $5.70 on $100.

What does Stripe charge for in-person payments?

2.7% + 5¢ per card payment on Stripe Terminal readers in the US, which is $1.13 on a $40 sale. Tap to Pay on a phone adds 10¢ per authorization.

Does Stripe charge a monthly fee?

Not on standard pricing. Extras are priced separately: Instant Payouts at 1.5% of the payout, 50¢ minimum (US), disputes at $15 per dispute, plus a counter fee to contest one (refunded if you win), and Radar for Fraud Teams at 2¢ per screened transaction.

Is there a cheaper alternative to Stripe?

On US online card payments, Anytime Capital Payments is 2.75% + 30¢ against Stripe's 2.9% + 30¢: $3.05 rather than $3.20 on $100, with no monthly fee and 2.5% + 30¢ for a new business's first 90 days. Braintree publishes 2.89% + 29¢. Which costs least overall depends on your sale sizes, how you take payouts and whether you need Stripe's developer platform.

Does this calculator save what I type?

No. The arithmetic runs in your browser and nothing you type is sent or stored. “Copy link to this result” puts your figures in the link itself, so they travel with it when you share it. The rates are each processor's published US pricing; yours can differ if you have negotiated pricing.

Free calculator

Stripe fee calculator

Sale amount

Rate2.9% + 30¢

Fee

$3.20

You receive

$96.80

Effective rate

3.2%

Same payment with Anytime Capital Payments · 2.75% + 30¢

Fee $3.05, you receive $96.95· $0.15 less than Stripe

First 90 days at 2.5% + 30¢: $2.80 fee Claim the launch offer

Payments a month→ $640.00 a month at Stripe, $610.00 with Anytime Capital ($360.00 a year less)

Fee on $100.00 at every rate

Online card payment (US card) · 2.9% + 30¢$3.20
International card · 2.9% + 30¢, +1.5% international$4.70
International card with currency conversion · 2.9% + 30¢, +1.5% international, +1% conversion$5.70
In person (Stripe Terminal) · 2.7% + 5¢$2.75
ACH Direct Debit · 0.8%, capped at $5$0.80
Anytime Capital · 2.75% + 30¢$3.05

Enter any amount to see what Stripe keeps and what reaches your account, at each rate Stripe publishes for US businesses: online cards, international cards, Terminal and ACH. Switch to “What to charge” to work back from the amount you need to receive. For a like-for-like online card sale, the same payment at Anytime Capital Payments's 2.75% + 30¢ sits beside it.

The fee on a sale, or what to charge to receive an amount
Every rate Stripe publishes for US businesses
Beside the same payment at 2.75% + 30¢

Updated October 2026. Published US rates; where a figure is not published, the calculator leaves it out rather than guess.

Quick answer

How much does Stripe take from a $100 payment?

$3.20, leaving you $96.80. Stripe's standard US rate for online card payments is 2.9% + 30¢: $2.90 is the percentage and 30¢ the fixed fee. An international card adds 1.5% ($4.70 in all) and currency conversion another 1%. The same $100 sale costs $3.05 at Anytime Capital Payments's 2.75% + 30¢, or $2.80 during the launch offer's first 90 days.

Common amounts

Stripe fees on common amounts

Stripe fees on common sale amounts, with Anytime Capital's fee on the same sale
Sale	Stripe fee	You receive	Anytime Capital fee	You receive
$10	$0.59	$9.41	$0.58	$9.42
$25	$1.03	$23.97	$0.99	$24.01
$50	$1.75	$48.25	$1.68	$48.32
$100	$3.20	$96.80	$3.05	$96.95
$250	$7.55	$242.45	$7.18	$242.82
$500	$14.80	$485.20	$14.05	$485.95
$1,000	$29.30	$970.70	$27.80	$972.20
$5,000	$145.30	$4,854.70	$137.80	$4,862.20

Stripe: online card payment (us card) at 2.9% + 30¢. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Each fee rounded to the cent.

Work backwards

What to charge to receive an exact amount

What to charge so you receive each amount after Stripe fees, and after Anytime Capital's
To receive	Charge on Stripe	Charge on Anytime Capital
$25	$26.06	$26.02
$100	$103.30	$103.14
$500	$515.24	$514.45
$1,000	$1,030.17	$1,028.59
$5,000	$5,149.64	$5,141.70

The smallest charge, to the cent, that leaves at least the target after the fee: (target + fixed fee) ÷ (1 − percentage), rounded up.

Published rates

Every Stripe rate on a $100 payment

Stripe's published US rates and the fee each charges on a $100 payment
Payment	Published rate	Fee on $100	You receive
Online card payment (US card)	2.9% + 30¢	$3.20	$96.80
International card	2.9% + 30¢, +1.5% international	$4.70	$95.30
International card with currency conversion	2.9% + 30¢, +1.5% international, +1% conversion	$5.70	$94.30
In person (Stripe Terminal)	2.7% + 5¢	$2.75	$97.25
ACH Direct Debit	0.8%, capped at $5	$0.80	$99.20
Anytime Capital, US online card or wallet	2.75% + 30¢	$3.05	$96.95

Stripe's published US pricing as of October 2026. Launch offer: 2.5% + 30¢ for your first 90 days, $2.80 on $100.

How Stripe's fee is worked out

Stripe's standard online fee has two parts: a percentage of the payment and a fixed amount per successful charge. For a US card that is 2.9% + 30¢, so the fee is the amount × 0.029 + $0.30. On a $250 sale that is $7.25 + $0.30 = $7.55, and you receive $242.45.

The fixed 30¢ is why small payments cost proportionally more. On a $10 sale Stripe's fee is $0.59, 5.9% of the sale; on $1,000 it is $29.30, 2.93%. If most of your sales are small, the fixed fee matters as much as the percentage.

Extras stack on top. A card issued outside the US adds 1.5%, and if Stripe also converts the currency it adds another 1%, so an international payment that needs conversion costs 5.4% + 30¢: $5.70 on $100. In person, Terminal is 2.7% + 5¢, and ACH Direct Debit is 0.8% capped at $5, which makes a $2,000 bank payment cost $5.00 rather than $58.30 by card.

What to charge so you receive an exact amount

To net a set figure, add the fixed fee to the amount you want and divide by one minus the percentage: charge = (target + $0.30) ÷ (1 − 0.029). To receive $500, charge $515.24; to receive $1,000, charge $1,030.17. The calculator's “What to charge” mode does this for any amount and rate, rounded up to the cent so you are never a cent short.

Grossing up a price is different from adding a separate card surcharge. Surcharges are restricted by card-network rules and some state laws: they are capped, must be disclosed before payment and are not allowed on debit cards. Building the fee into your price, or invoicing large amounts by bank payment, avoids the question. This is general information, not legal advice.

Stripe fees this calculator leaves out

The calculator covers the processing fee on each payment. Stripe prices some extras separately, at its published US rates as of October 2026:

Instant Payouts: 1.5% of the payout, 50¢ minimum (US)
Disputes: $15 per dispute, plus a counter fee to contest one (refunded if you win)
Radar for Fraud Teams: 2¢ per screened transaction on standard pricing
Monthly fee: $0 on standard pricing

The same sale with Anytime Capital

On a US online card payment, Anytime Capital Payments charges 2.75% + 30¢ against Stripe's 2.9% + 30¢: 0.15 points less, $0.15 on every $100 sale, or $900 a year for a business doing $50,000 a month in $100 sales. Neither charges a monthly fee, and new businesses pay 2.5% + 30¢ for their first 90 days.

Payouts are the other difference. Stripe's Instant Payouts are priced per payout; Anytime Capital sweeps settled sales into your Anytime Capital business account instantly, nights and weekends included, where they are already spendable on employee cards.

Stripe is still the better choice if you need Connect for a marketplace, Billing for metered subscriptions, Terminal hardware or its library of integrations. The full head-to-head covers where each one wins.

Beyond the feeStripe vs Anytime Capital: the full comparisonPayout speed, fraud tools, in-person options, support, and where Stripe is the better choice.

Launch offer

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.

Claim 2.5% + 30¢See pricing

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Payouts to your bank, instant where eligible
Live US business team

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Questions