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← Back to Stripe Overview

Stripe Pricing & Plans 2026

Complete pricing guide for Stripe. Compare all plans, analyze costs, and find the perfect tier for your needs.

Try Stripe Free →Compare Plans ↓

Not sure if free is enough? See our Free vs Paid comparison →
Still deciding? Read our full verdict on whether Stripe is worth it →

💎6 Paid Plans
⚡No Setup Fees

Choose Your Plan

Standard Online Payments

2.9% + 30¢ per successful card charge

mo

  • ✓Online card payments
  • ✓Digital wallets
  • ✓Basic dashboard
  • ✓Standard support
Start Free Trial →

International Cards

Additional 1.5% for international cards

mo

  • ✓Global payment acceptance
  • ✓Currency conversion
  • ✓Local payment methods
  • ✓Multi-currency support
Start Free Trial →

In-Person Payments

2.7% + 5¢ per transaction

mo

  • ✓Terminal hardware
  • ✓Card present rates
  • ✓Unified reporting
  • ✓Inventory management
Start Free Trial →
Most Popular

Billing Pro

0.5% on subscription charges, plus payment processing

mo

  • ✓Advanced subscription management
  • ✓Usage-based billing
  • ✓Revenue recognition
  • ✓Tax calculation
  • ✓Dunning management
Start Free Trial →

Radar for Fraud Teams

0.05¢ per evaluated transaction

mo

  • ✓Advanced fraud detection
  • ✓Custom rules
  • ✓Machine learning models
  • ✓Manual review tools
Start Free Trial →

Custom Enterprise

Volume-based custom pricing

mo

  • ✓Dedicated support
  • ✓Custom rates
  • ✓Priority processing
  • ✓Advanced integrations
Contact Sales →

Pricing sourced from Stripe · Last verified March 2026

Feature Comparison

FeaturesStandard Online PaymentsInternational CardsIn-Person PaymentsBilling ProRadar for Fraud TeamsCustom Enterprise
Online card payments✓✓✓✓✓✓
Digital wallets✓✓✓✓✓✓
Basic dashboard✓✓✓✓✓✓
Standard support✓✓✓✓✓✓
Global payment acceptance—✓✓✓✓✓
Currency conversion—✓✓✓✓✓
Local payment methods—✓✓✓✓✓
Multi-currency support—✓✓✓✓✓
Terminal hardware——✓✓✓✓
Card present rates——✓✓✓✓
Unified reporting——✓✓✓✓
Inventory management——✓✓✓✓
Advanced subscription management———✓✓✓
Usage-based billing———✓✓✓
Revenue recognition———✓✓✓
Tax calculation———✓✓✓
Dunning management———✓✓✓
Advanced fraud detection————✓✓
Custom rules————✓✓
Machine learning models————✓✓
Manual review tools————✓✓
Dedicated support—————✓
Custom rates—————✓
Priority processing—————✓
Advanced integrations—————✓

Is Stripe Worth It?

✅ Why Choose Stripe

  • • Developer-friendly platform with comprehensive APIs, extensive documentation, and robust SDK support across programming languages
  • • Global reach supporting 135+ currencies and local payment methods with unified API for international expansion
  • • Advanced fraud protection using AI and machine learning trained on billions of transactions across the network
  • • Comprehensive financial services beyond payments including banking, card issuing, and business incorporation tools
  • • Strong ecosystem with extensive third-party integrations and marketplace of verified partners
  • • Transparent pricing structure with no setup fees, monthly minimums, or hidden costs for standard features

⚠️ Consider This

  • • Transaction-based pricing can become expensive for high-volume businesses compared to traditional merchant accounts
  • • Limited customization options for fraud rules and payment flows without upgrading to more expensive plans
  • • Account reserves and holds can impact cash flow, especially for newer businesses or high-risk industries
  • • Customer support quality varies, with slower response times for smaller businesses on standard pricing
  • • Some advanced features require significant development expertise to implement effectively

What Users Say About Stripe

👍 What Users Love

  • ✓Developer-friendly platform with comprehensive APIs, extensive documentation, and robust SDK support across programming languages
  • ✓Global reach supporting 135+ currencies and local payment methods with unified API for international expansion
  • ✓Advanced fraud protection using AI and machine learning trained on billions of transactions across the network
  • ✓Comprehensive financial services beyond payments including banking, card issuing, and business incorporation tools
  • ✓Strong ecosystem with extensive third-party integrations and marketplace of verified partners
  • ✓Transparent pricing structure with no setup fees, monthly minimums, or hidden costs for standard features

👎 Common Concerns

  • ⚠Transaction-based pricing can become expensive for high-volume businesses compared to traditional merchant accounts
  • ⚠Limited customization options for fraud rules and payment flows without upgrading to more expensive plans
  • ⚠Account reserves and holds can impact cash flow, especially for newer businesses or high-risk industries
  • ⚠Customer support quality varies, with slower response times for smaller businesses on standard pricing
  • ⚠Some advanced features require significant development expertise to implement effectively
  • ⚠International expansion complexity with varying regulations and compliance requirements across different markets

Pricing FAQ

What are Stripe's actual fees beyond the advertised 2.9% + 30¢?

The 2.9% + 30¢ rate applies to online credit card transactions. Other fees include: international cards (+1.5%), currency conversion (1%), failed payments (25¢), disputes ($15), and some advanced features have additional costs. Volume discounts are available for larger businesses.

How quickly can funds be accessed after processing payments?

Standard payouts are 2 business days for most countries. Express payouts enable same-day or instant transfers for an additional fee (1.5% for instant). New accounts may have longer holds initially as Stripe assesses business risk and compliance.

Can Stripe handle complex subscription billing scenarios?

Yes, Stripe Billing is highly sophisticated. It handles proration, quantity changes, usage metering, trial periods, coupons, multiple pricing models, and tax calculation. It can manage complex scenarios like seat-based pricing with usage overages and mid-cycle plan changes.

How does Stripe compare to PayPal for e-commerce businesses?

Stripe offers better developer experience, more payment methods, and advanced features like subscriptions and marketplaces. PayPal has broader consumer recognition and simpler setup. Stripe generally provides better conversion rates and customer experience for custom checkout flows.

What compliance and regulatory requirements does Stripe handle?

Stripe handles PCI DSS compliance, local payment regulations, tax collection (where required), and KYC/AML for marketplace sellers. They maintain certifications and compliance across all supported countries, reducing regulatory burden for businesses.

Ready to Get Started?

AI builders and operators use Stripe to streamline their workflow.

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More about Stripe

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