--- title: "Stripe fees for sellers 2026: cards, payment links, payouts" description: "Stripe charges 2.9% + $0.30 per domestic card payment, Payment Links included: $1.03 on $25, $3.20 on $100. In person 2.7% + $0.05. Disputes $15.00." canonical: https://resellerindex.com/payments/stripe-fees/ last_updated: 2026-10-23 publisher: "The Reseller Index" --- # Stripe fees for sellers 2026 **Stripe charges 2.9% + $0.30 per successful domestic card payment, and Payment Links come at that rate with no added charge: $1.03 on a $25 sale and $3.20 on $100.** In person with a Stripe Terminal reader it's 2.7% + $0.05 ($0.73 and $2.75); a card typed in by hand adds 0.5%, an international card 1.5%, and a Stripe invoice 0.4%. Rates are Stripe's standard US pricing from [Stripe: Pricing (US)](https://stripe.com/pricing) and [Stripe: Payment Links](https://stripe.com/payments/payment-links), checked Oct 23, 2026. Stripe lists no setup or monthly fee on standard pricing. Rates verified on Oct 23, 2026 - **Card or payment link, $25** $1.03 - **Card or payment link, $100** $3.20 - **Dispute received fee** $15.00 - **Instant Payout** 1.5% ## The rules, in Stripe's words > "Payment Links are included in Stripe's integrated pricing and let you accept credit cards, debit cards, mobile wallets and more." [Stripe: Payment Links](https://stripe.com/payments/payment-links), "Pricing"; checked Oct 23, 2026 The Payment Links page puts the price at "Starts at" 2.9% + $0.30 per successful charge, the same as any domestic card payment. A link you text a buyer costs $1.03 on $25. > "2.9% + 30¢ per successful transaction for domestic cards" [Stripe: Pricing (US)](https://stripe.com/pricing), "Payments: Cards and wallets"; checked Oct 23, 2026 That is the base for an online card payment. Typed in by hand, the same card is 3.4% + $0.30; from abroad, add 1.5%. > "The payment processing, Connect and currency conversion fees from the original transaction are not returned." [Stripe: Pricing (US)](https://stripe.com/pricing), "FAQs: Are there additional fees for refunds?"; checked Oct 23, 2026 Refunding a card payment costs nothing extra, but the $1.03 you paid on a $25 sale stays paid. Stripe's FAQ adds that refunds may carry fees when bank transfers are used. > "You get this fee back for won disputes." [Stripe: Pricing (US)](https://stripe.com/pricing), "Disputes"; checked Oct 23, 2026 Stripe charges $15.00 for every dispute you receive and $15.00 more for each one you respond to manually. Win, and you get the second fee back; lose, and a $25 sale costs you the $25 plus $30.00. Stripe adds that in rare cases network fees also apply. ## Stripe fees on a $10, $25, $50, $100 and $200 sale Each cell is the fee, then what you keep before shipping costs. Charge shipping on the same payment and the fee is on that too. *Stripe fees by how you get paid, US, from Stripe: Pricing (US); checked Oct 23, 2026. Fees rounded to the cent.* | How you get paid | Rate | $10 | $25 | $50 | $100 | $200 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | | Card online or payment link | 2.9% + $0.30 | $0.59 keep $9.41 | $1.03 keep $23.97 | $1.75 keep $48.25 | $3.20 keep $96.80 | $6.10 keep $193.90 | | Card entered by hand | 3.4% + $0.30 | $0.64 keep $9.36 | $1.15 keep $23.85 | $2.00 keep $48.00 | $3.70 keep $96.30 | $7.10 keep $192.90 | | Card on a Stripe invoice | 3.3% + $0.30 | $0.63 keep $9.37 | $1.13 keep $23.87 | $1.95 keep $48.05 | $3.60 keep $96.40 | $6.90 keep $193.10 | | In person (Terminal) | 2.7% + $0.05 | $0.32 keep $9.68 | $0.73 keep $24.27 | $1.40 keep $48.60 | $2.75 keep $97.25 | $5.45 keep $194.55 | | Tap to Pay on a phone | 2.7% + $0.15 | $0.42 keep $9.58 | $0.83 keep $24.17 | $1.50 keep $48.50 | $2.85 keep $97.15 | $5.55 keep $194.45 | | ACH Direct Debit | 0.8%, $5.00 cap | $0.08 keep $9.92 | $0.20 keep $24.80 | $0.40 keep $49.60 | $0.80 keep $99.20 | $1.60 keep $198.40 | | Klarna | 5.99% + $0.30 | $0.90 keep $9.10 | $1.80 keep $23.20 | $3.30 keep $46.70 | $6.29 keep $93.71 | $12.28 keep $187.72 | *Fee to cash out the same amounts instantly with Stripe instead of waiting for the standard transfer. Source: Stripe: Pricing (US), checked Oct 23, 2026.* | Transfer | Rate | $10 | $25 | $50 | $100 | $200 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | | Instant Payout | 1.5%, $0.50 min | $0.50 | $0.50 | $0.75 | $1.50 | $3.00 | ## Stripe fee calculator Enter the sale, including any shipping you charge on the same payment. The calculator needs JavaScript. The tables above have the same fees for $10 to $200. Card online or payment link: **fee on $25: $1.03**. You keep **$23.97**. ## Edge cases that change the fee - **Card typed in by hand:** 3.4% + $0.30 (2.9% + 0.5%), $3.70 on $100. - **Invoice instead of a link:** Stripe Invoicing Starter adds 0.4% per paid invoice, so a card payment on a Stripe invoice is 3.3% + $0.30: $3.60 on $100 against $3.20 by payment link. A receipt-style invoice after a link payment (post-payment invoice, optional) is 0.4% capped at $2.00: $0.40 on $100. - **International card or currency conversion:** add 1.5% and 1%. A $100 payment with both costs $5.70. With Adaptive Pricing, Stripe shows the buyer prices in their currency and says customers see a conversion fee starting at 2%; that one is the buyer's. - **Tap to Pay on a phone, or a reader:** Tap to Pay is the Terminal rate plus $0.10 per authorization, $0.83 on a $25 sale, and Stripe says it works on compatible iPhone or Android devices without additional hardware. The 2.7% + $0.05 rate with a card reader means buying one; Stripe's list starts at $59.00 for the Stripe Reader M2. - **ACH Direct Debit:** 0.8%, $5.00 cap, so $5.00 on a $1,000 sale. - **Klarna:** 5.99% + $0.30, $12.28 on $200. - **Smart Disputes (optional):** Stripe lists 30% of the disputed amount for each dispute it wins for you, on top of the dispute received fee. - **Getting the money out:** payouts on Stripe's standard schedule are free; an Instant Payout costs 1.5%, $0.50 min, so $0.50 on $25 and $1.50 on $100. ## What to do 1. Send a Payment Link instead of keying in the buyer's card: 2.9% + $0.30 instead of 3.4% + $0.30. 2. Price the fee in: to keep $100 after a card payment, charge $103.30. 3. Answer disputes with tracking and the buyer's messages; the $15.00 countered fee comes back if you win. 4. Use standard payouts unless you need the money today. ## Form 1099-K The IRS says: "If your customers or clients pay you directly by credit, debit or gift card, you'll get a Form 1099-K from your payment card processor no matter how many payments you got or how much they were for." Payment apps and online marketplaces work differently: "A payment app or online marketplace is required to send you a Form 1099-K if the payments you received for goods or services total over $20,000 in more than 200 transactions." ([IRS: Understanding your Form 1099-K](https://www.irs.gov/businesses/understanding-your-form-1099-k), Page Last Reviewed or Updated: 28-Jun-2026). The IRS adds: "Whether or not you receive a Form 1099-K, you must still report any income on your tax return." and "Use Form 1099-K with other records to help you figure and report your taxable income when you file your tax return." Thresholds, what counts and what to do with the form: [1099-K for resellers](https://resellerindex.com/guides/1099-k-for-resellers/). This is general information, not tax advice; check with a tax professional about your own return. ## Questions ### What are Stripe fees per transaction in 2026? 2.9% + $0.30 per successful domestic card payment online, 2.7% + $0.05 in person, plus 0.5% for a typed-in card, 1.5% for an international card and 1% if currency conversion is needed ([Stripe: Pricing (US)](https://stripe.com/pricing)). ### Do Stripe Payment Links cost extra? No. "Payment Links are included in Stripe's integrated pricing and let you accept credit cards, debit cards, mobile wallets and more." ([Stripe: Payment Links](https://stripe.com/payments/payment-links)). A custom domain for the link is $10.00 a month, and optional post-payment invoices are 0.4% capped at $2.00. ### Do Stripe invoices cost more than payment links? Yes, by 0.4%: Invoicing Starter is 0.4% per paid invoice, and Stripe's Invoicing pricing page says Stripe Payments pricing applies on top, so a card payment on an invoice costs 3.3% + $0.30: $1.13 on $25 against $1.03 by link ([Stripe: Pricing (US)](https://stripe.com/pricing); [Stripe: Invoicing pricing](https://stripe.com/invoicing/pricing)). ### Does Stripe return its fee when I refund a payment? No: "The payment processing, Connect and currency conversion fees from the original transaction are not returned." Stripe charges no fee to issue a card refund ([Stripe: Pricing (US)](https://stripe.com/pricing), FAQs). ### How much does a Stripe chargeback cost? $15.00 when you receive the dispute, and another $15.00 if you counter it manually, which you get back if you win ([Stripe: Pricing (US)](https://stripe.com/pricing), Disputes). ### How much do Stripe Instant Payouts cost? 1.5%, $0.50 min: $0.50 on $25, $3.00 on $200. Standard payouts are free. ### Will Stripe send me a Form 1099-K? For card payments, the IRS says you'll get one from your payment card processor no matter how many payments or how much ([IRS: Understanding your Form 1099-K](https://www.irs.gov/businesses/understanding-your-form-1099-k)). More in [1099-K for resellers](https://resellerindex.com/guides/1099-k-for-resellers/). ## Related questions - [Payment fees compared at $25 and $100](https://resellerindex.com/payments/) - [PayPal fees for sellers](https://resellerindex.com/payments/paypal-fees/) - [Venmo fees for sellers](https://resellerindex.com/payments/venmo-fees/) - [Cash App fees for sellers](https://resellerindex.com/payments/cash-app-fees/) - [Square fees for sellers](https://resellerindex.com/payments/square-fees/) - [Zelle fees for sellers](https://resellerindex.com/payments/zelle-fees/) - [Do payment apps send a 1099-K?](https://resellerindex.com/guides/1099-k-for-resellers/) - [What selling apps charge (eBay, Mercari, Poshmark and more)](https://resellerindex.com/guides/selling-fees-compared/) ## Sources Rates verified on Oct 23, 2026 from each official page below. - [Stripe: Pricing (US)](https://stripe.com/pricing) - [Stripe: Payment Links](https://stripe.com/payments/payment-links) - [Stripe: Invoicing pricing](https://stripe.com/invoicing/pricing) - [IRS: Understanding your Form 1099-K (Page Last Reviewed or Updated: 28-Jun-2026)](https://www.irs.gov/businesses/understanding-your-form-1099-k) Subscribe: https://resellerindex.com/subscribe/ Want these numbers next to your own sales? 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