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Understanding Stripe's Payment Processing Fees

How the percentage-plus-fixed-fee model actually works.

Published Jul 1, 2026 · Updated Jul 8, 2026

Stripe's Standard rate combines a percentage of the transaction with a small fixed fee per successful charge. Both pieces matter, especially for businesses with many small transactions.

Worked example

On a $10 charge at 2.9% + $0.30, the fee is $0.29 (2.9% of $10) plus $0.30, for a total of $0.59 — meaning the fee is nearly 6% of that particular transaction.

The fixed component matters more, proportionally, on smaller transactions — high-volume, low-ticket businesses feel it the most.
  • Percentage scales with transaction size
  • Fixed fee is the same regardless of amount
  • High-volume merchants can often negotiate a custom rate

Stripe

Payments

Payment processing priced as a percentage plus fixed fee per charge.

Starting at

2.9% + $0.30/charge

Editorial disclaimer: This article is independent editorial content and may reference products PriceVersion tracks pricing for. Any prices cited reflect the tracked data at time of writing — see linked pricing pages for current figures.

Sample data for preview purposes. Not verified current pricing.

References

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