{
  "name": "Stripe",
  "slug": "stripe",
  "pricingModel": "paid",
  "normalized": {
    "currency": "USD",
    "entry": null,
    "plans": [
      {
        "plan": "Pay-As-You-Go",
        "perMonth": 0,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "unknown",
        "free": true,
        "contactSales": false
      },
      {
        "plan": "Terminal",
        "perMonth": 0,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "unknown",
        "free": true,
        "contactSales": false
      },
      {
        "plan": "Custom Pricing",
        "perMonth": null,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "unknown",
        "free": false,
        "contactSales": true
      }
    ],
    "hasFreePlan": true,
    "hasFreeTrial": false,
    "contactSalesOnly": true
  },
  "pricingDetails": {
    "tiers": [
      {
        "name": "Pay-As-You-Go",
        "price": 0,
        "features": [
          "2.9% + 30¢ per card",
          "0.8% ACH (max $5)",
          "No monthly fees",
          "No setup fees"
        ],
        "billingPeriod": "month"
      },
      {
        "name": "Terminal",
        "price": 0,
        "features": [
          "2.7% + 5¢ in-person",
          "Hardware from $59",
          "No monthly fees",
          "Physical card readers"
        ],
        "billingPeriod": "month"
      },
      {
        "name": "Custom Pricing",
        "price": "Custom",
        "features": [
          "Volume discounts",
          "Interchange-plus pricing",
          "For $250k+ annual",
          "Dedicated support"
        ],
        "billingPeriod": "month"
      }
    ],
    "hasFreeTier": true,
    "hasFreeTrial": false
  },
  "costFacts": null,
  "pricesByRegion": {
    "EU": {
      "amounts": [
        0.25,
        0.35,
        20,
        40,
        0.03,
        0.12,
        0.5,
        0.15,
        10,
        2,
        0.1,
        0.05
      ]
    },
    "US": {
      "amounts": [
        5,
        15,
        29,
        0.03,
        0.12,
        0.15,
        10,
        2,
        0.1,
        0.05,
        59,
        299
      ],
      "currency": "USD"
    },
    "url": "https://stripe.com/pricing",
    "readAt": "2026-10-31T03:20:01.378Z"
  },
  "verdict": "Stripe's 2.9% + 30¢ per transaction is the standard every payment processor is compared against. There are no monthly fees, no minimums, and no contracts, you pay only when you process payments. The simplicity is genuine: most businesses can start accepting payments in hours with zero upfront cost. A typical international SaaS business pays an effective rate of 3.5-4.5%, not 2.9%.",
  "bestFor": "Standard (pay-as-you-go, 2.9% + 30¢): Zero upfront cost, instant setup, excellent API and documentation. The developer experience is unmatched, pre-built checkout, subscription billing, and 100+ payment methods out of the box. Multi-product discounts available when bundling Payments + Billing + Connect. Alternatives like PayPal Commerce or Adyen are more complex to implement. | Terminal (2.7% + 5¢ in-person): Unified online + in-person payments under one dashboard. Lower in-person rate than online (2.7% vs 2.9%).",
  "hiddenCosts": [
    "International card surcharge: +1.5% on top of the 2.9% base rate for cards issued outside your country. A US business charging a UK customer pays 4.4% + 30¢, not 2.9%",
    "Currency conversion fee: +1% when the charge currency differs from the payout currency. Combined with international cards, cross-border transactions cost 5.4% + 30¢",
    "Stripe Radar (fraud protection): not free. Basic is included but Radar for Fraud Teams costs $0.07/screened transaction + $0.02/3D Secure attempt. On 10K transactions/mo: $700/mo extra",
    "Stripe Billing (subscriptions/invoicing): adds 0.5% on recurring payments and 0.4% on invoices ON TOP of the 2.9% payment fee.",
    "Instant payouts: 1% of the payout amount (min $0.50) instead of waiting 2 business days for standard payouts.",
    "Manually entered card transactions (MOTO): 3.4% + 30¢ instead of 2.9%, a 17% price increase. Phone orders and manual entries are penalized",
    "Stripe Tax: 0.5% per transaction for automatic tax calculation."
  ],
  "recentChanges": [],
  "priceHistory": [],
  "partnerLink": false,
  "correction": "This price may be out of date. If the vendor's page differs, call report_issue with evidence_url and quote, or verify_price.",
  "provenance": {
    "lastVerifiedAt": "2026-09-29",
    "sourceUrl": "https://stripe.com/pricing",
    "confidence": "medium"
  },
  "source": "Toolradar",
  "citation": "Toolradar, verified 2026-09-29, https://toolradar.com/tools/stripe/pricing",
  "affiliateUrl": "https://toolradar.com/api/go/stripe?ref=mcp&key=json",
  "toolradarUrl": "https://toolradar.com/tools/stripe/pricing"
}