Tools · calculator
What Stripe takes from one order, layer by layer: the card rate, the fixed fee, a card from abroad, currency conversion and the extras, at the rates Stripe prints for the US, the UK, the euro area, Canada and Australia. Turn it round to find the price that keeps what you meant.
The same card costs a different amount on each Stripe account, and the shape of the price changes too. The US and Canada add to a base rate; the UK and the euro area print one total for each kind of card; Australia prints a domestic and an international total, both with dated cuts.
| Account in | Domestic card online | Card from abroad | Conversion | In person | Dispute · countered | Instant Payout |
|---|---|---|---|---|---|---|
| United StatesUSD | 2.9% + $0.30 · +0.5% typed in | +1.5% | +1% | 2.7% + $0.05 · +1.5% for a card from abroad | $15.00 · $15.00 | 1.5%, at least $0.50 |
| United KingdomGBP | 1.5% + £0.20 · business cards 2.8% | EEA cards 2.5% · all others 3.15%, in all | +2% | 1.4% + £0.10 · 2.9% outside the EEA | £20.00 · £20.00 | 1%, at least £0.40 |
| Euro areaIreland, Germany | 1.5% + €0.25 · business cards 2.8% | UK cards 2.5% · all others 3.15%, in all | +2% | 1.4% + €0.10 · 2.9% outside the EEA | €20.00 · €20.00 | 1%, at least €0.50 |
| CanadaCAD | 2.9% + CA$0.30 · +0.5% typed in | +0.8% | +2% | 2.7% + CA$0.05 · 3.5% for a card from abroad | CA$15.00 · CA$15.00 | 1%, at least CA$0.60 |
| AustraliaGST included | 1.65% + A$0.30 | 3.5% in all · 2.8% from 1 April 2027 | +2% | 1.65% + A$0.10 · 3.5% for a card from abroad | A$25.00 · A$25.00 | 1.5%, at least A$0.50 |
The euro area row is Ireland’s pricing page, with in-person rates from Germany’s, where Ireland’s were not printed. Stripe’s docs count business, corporate and commercial Visa, Mastercard and Cartes Bancaires cards as premium; American Express is standard in the UK and the euro area. The countered fee comes back when you win.
Shopify’s help is plain about it: where Shopify Payments is supported, Stripe won’t be available to activate, because Stripe is the banking partner behind Shopify Payments. A store there pays Shopify Payments at its plan’s rate, or uses another provider and pays Shopify’s own fee on top of that provider’s: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. With Shopify Payments switched on, PayPal and manual payments carry no third-party fee.
Shopify’s published rates for a US store cover standard domestic cards. A credit card issued in another country adds a 1% cross-border fee, which the calculator includes. Business cards and every domestic American Express card cost more, at rates Shopify shows only inside a store’s admin, so the calculator leaves them out rather than guess.
On WooCommerce, Stripe’s own extension is a free download built by Stripe: the fees are Stripe’s and nothing is added. WooPayments runs on Stripe too, but prints its own table. Online in the US it matches Stripe to the cent. In the UK it is 1.5% + £0.25, with 2% more for an international card, against Stripe’s 1.5% + 20p and totals of 2.5% or 3.15%, so the same order can cost more.
Selling on ShopifyUS rates
Selling on WooCommerceany country
A refund keeps the feeRefund a $100 US order and the customer gets the $100 back while Stripe keeps its $3.20. Issuing the refund is free; only cancelling a payment before it completes leaves no fee behind.
A dispute costs twice since June 2025Stripe charges $15 when a dispute arrives and, since 17 June 2025, another $15 when you counter it, returned only if you win. Fight and lose and the fees are $30, with the order’s money gone back to the customer. The UK charges £20 twice, the euro area €20, Canada CA$15 and Australia A$25.
Conversion follows the currencyA card from abroad charged in your own currency pays the add-on for its country and no conversion. A card from home charged in another currency pays conversion. Settling in the currency you charge, where Stripe supports it, avoids the fee.
The fixed fee rules small ordersOn a $1 US charge the fee is $0.33, a third of the sale. At $10 it is $0.59, 5.9%, and at $100 it is $3.20, 3.2%. Stripe’s smallest charge is 50¢, 30p in the UK.
In the US, 2.9% + 30¢ for a domestic card online and 2.7% + 5¢ in person on Terminal, with 0.5% more for a card number typed in, 1.5% more for a card issued abroad and 1% more when the charge needs converting. The UK starts at 1.5% + 20p, the euro area at 1.5% + €0.25, Canada at 2.9% + CA$0.30 and Australia at 1.65% + A$0.30 with GST included. There is no setup or monthly fee.
Yes, by a different amount on each account. A US account adds 1.5% and a Canadian one 0.8%. UK and euro accounts print totals instead: 2.5% for a card from the other side (EEA cards on a UK account, UK cards on a euro one) and 3.15% for a card from anywhere else. Australia charges 3.5% in all · 2.8% from 1 April 2027. What counts is the country that issued the card, not where the customer is.
No. Stripe’s docs say the processing fees from the original payment aren’t returned, so a refunded $100 US order still costs its $3.20. Issuing the refund costs nothing, and neither does cancelling a payment before it completes.
In the US, $15 when the dispute arrives and, since 17 June 2025, another $15 if you counter it, which Stripe returns only if you win. Accept it or win it and you are out $15; fight and lose and it is $30, with the order’s money going back to the customer. The UK charges £20 twice, the euro area €20, Canada CA$15 and Australia A$25. Smart Disputes, if you switch it on, takes 30% of each dispute it wins.
Add the fixed fee to the amount you want and divide by one minus the rate. For a US domestic card that is (100 + 0.30) ÷ 0.971, so $103.30; with a card from abroad and conversion it is $106.03. Choose What I want to keep above and the calculator finds the smallest price that works, a cent at a time. That sets a price. Adding a card fee on top of a price is a surcharge, and card network rules limit those.
Not where Shopify Payments is supported. Shopify’s help says Stripe won’t be available to activate there, because Stripe is the banking partner behind Shopify Payments. You pay Shopify Payments at your plan’s rate instead, or use another provider and pay Shopify’s own fee on top: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus.
For large volumes, yes. Stripe offers custom pricing, including interchange-plus pricing and volume discounts. The calculator uses the standard rates on Stripe’s pricing pages, which are what a business pays without a deal.
No, while the page’s script is running: the sums run in your browser. The link you copy carries the fields, so whoever opens it sees the same result. With JavaScript turned off the page still works, and then the fields travel to my server in the address, the same way a copied link does.
What payments cost a store once the provider, the plan and the payouts are counted.
What are Shopify Payments, and what does one order costShopify Payments is the card processing built into Shopify, run by Stripe and others behind the scenes, in 40 countries. What one order costs with it and without it, when the money arrives, and the checkout error that stops every sale.Read the guide →
How long does Shopify take to pay out, and on which dayThe day Shopify sends your payout, worked out from the capture day, your country's settlement time and the weekend rule, then the bank's share. Why new stores wait longer, what pending means, and where the payout report lives now.Read the guide →
The real monthly cost of a small online storeThe plan is the smallest line. The percentage on every sale, the apps and the renewals are the bill, and two of them grow with you. How to read your own statement.Read the guide →Next step · Norvahl, one designer-engineer, both tradesTaking on projects
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