Stripe Pricing: Plans & Fee Calculator 2026

Positioning

Stripe has no monthly fee. The Standard plan is a flat 2.9% + $0.30 per successful domestic card charge, and for most businesses under a few million dollars a year that single line is the entire cost. High-volume merchants past roughly $5M annually can negotiate Custom interchange-plus rates, which come in cheaper but only if you ask. The trap is not the headline rate, it is the modules: Billing takes 0.5% of subscription volume on Starter and 0.7% on Scale, and Invoicing takes 0.4% to 0.5% per paid invoice. Stack all three and the effective rate on a subscription business is noticeably higher than the number you signed up for.

Cost drivers

• 1Billing percentage on top of the card fee: A subscription charge pays the 2.9% + $0.30 card rate and then the Billing 0.5% or 0.7% on the same dollar. The two fees compound rather than replace each other.
• 2Invoicing fee with no cap on Starter: The 0.4% Starter invoicing rate has no ceiling, so high-value invoices are cheaper on Plus where the 0.5% cut is capped at $2 per invoice.
• 3The Custom rate you have to request: Nothing auto-upgrades. A merchant clearing $5M stays on flat 2.9% until they open a sales conversation, so the cheaper interchange-plus pricing is money left on the table by default.

Strengths

One API covers cards, wallets, and local payment methods, and the client-side SDKs keep most of PCI scope off your servers.

• Unified API for cards, wallets, and 100-plus local payment methods
• Stripe.js and mobile SDKs handle the bulk of PCI compliance
• Pre-built Elements and Checkout components cut integration time