Stripe charges 2.9%.
Your real rate is probably 3.5–4.5%.
International card surcharges, currency conversion fees, Radar, Tax, Billing, and Connect costs stack on top of Stripe's advertised rate. Find out what you're actually paying.
Your Stripe Setup
Total $ processed per month
Transactions processed per month
US-issued cards
+1.5% surcharge applies
+1.0% on top of international fee
Add-on Products
Fraud detection. Enabled by default on most accounts.
% of transactions flagged for manual review ($0.07 each)
Automatic tax calculation and collection
Subscription or invoicing management
Marketplace or platform payments
Stripe advertises 2.9%. Your effective rate:
3.85%
That's +0.95% above the advertised rate — costing you an extra $5.7K/year
Total Monthly Fees
$1.9K
All Stripe fees combined
Annual Fees
$23.1K
Monthly × 12
Cost Per Transaction
$3.85
Average across all transactions
Effective Rate
3.85%
vs. 2.9% advertised (+0.95% extra)
Fee Breakdown
Competitor Comparison
Interchange++ ~2.2% + processing. Best for high volume ($1M+/mo)
$1.2K/mo
2.33% effective
2.6% + $0.10. Best for small average ticket sizes
$1.4K/mo
2.70% effective
2.49% + $0.49 (owned by PayPal). Volume discounts available
$1.5K/mo
2.98% effective
2.99% + $0.49 per transaction. Simple but expensive at scale
$1.7K/mo
3.48% effective
2.9% + $0.30. Add-ons push real rate to 3.5–4.5%
$1.9K/mo
3.85% effective
Overpaying on payment processing?
You're paying $23.1K/year in Stripe fees.
A free stack audit identifies where you're overpaying and what processor would save you most.
Get a Free Stack Audit →Or email Oliver → oliver@digitalsignet.com
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