Stripe API pricing
The reference-standard payments API: best-in-class docs, SDKs in every major language, official MCP server, and instant self-serve sandbox.
Free tier or trialBilled per transaction (2.9% + $0.30)·Verified Jun 27, 2026
Free tier
Unlimited test-mode sandbox (no CC); pay-per-transaction live
Plans and prices
| Plan | Price | What it covers |
|---|---|---|
| Standard (pay-as-you-go, US online) | 2.9% + 30¢ | Per successful online card charge; no setup or monthly fees. |
| In-person (Terminal, US) | 2.7% + 5¢ | Per successful in-person card payment. |
| Manually-keyed cards (US) | 3.4% + 30¢ | Per successful keyed-in card transaction. |
| ACH direct debit (US) | 0.8% (capped at $5) | Per ACH payment; disputes billed at $15 each. |
| Billing (subscriptions) | 0.7% of billing volume | Pay-as-you-go add-on; Tax add-on is 0.5% per transaction. |
| Custom / Enterprise | Contact sales | Interchange-plus (IC+) pricing, volume discounts, and multi-product discounts for large businesses. |
What to watch for on the bill
- Flat 2.9% + 30¢ rate is expensive for low-ticket and high-volume merchants vs. negotiated interchange-plus
- Costs stack quickly: +1.5% international cards, +1% currency conversion, $15 disputes, plus add-on product fees (Billing 0.7%, Tax 0.5%)
- Support is slow and generic for businesses without a dedicated account team, especially on chargebacks
- Headline rate requires contacting sales to improve, best pricing is gated behind enterprise negotiation
- System can feel complex for non-technical users despite developer-friendly APIs
The pricing page, as we saw it
Source: https://stripe.com/pricing. Prices change. Confirm on the vendor page before you commit.
Compare Stripe
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