🇺🇸 Payments · United States
Stripe ACH Direct Debit Fee Calculator (2026)
Stripe processing fees in the US work out to about 0.8% on a $100 payment, which is $0.80 in fees, leaving you $99.20. Enter your own numbers below to see the full breakdown, or switch to reverse mode to find the price that nets you a target amount.
You receive
$99.20
Fee breakdown
- ACH Direct Debit−$0.80
How Stripe processing fees work for ACH Direct Debit in the US
Stripe (card and bank payments for online businesses) charges the following for ach direct debit:
| Fee | How it’s charged |
|---|---|
| ACH Direct Debit | 0.8% of the sale price, capped at $5.00 |
| Currency conversionIf: Currency conversion needed | 1% of the sale price |
Stripe fees at common amounts
Pre-calculated with the default settings for ACH Direct Debit.
| Payment amount | Fees | You receive | Effective rate |
|---|---|---|---|
| $10 | $0.08 | $9.92 | 0.8% |
| $25 | $0.20 | $24.80 | 0.8% |
| $50 | $0.40 | $49.60 | 0.8% |
| $100 | $0.80 | $99.20 | 0.8% |
| $250 | $2.00 | $248.00 | 0.8% |
| $500 | $4.00 | $496.00 | 0.8% |
| $1,000 | $5.00 | $995.00 | 0.5% |
| $5,000 | $5.00 | $4,995 | 0.1% |
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Frequently asked questions
How much does Stripe take from a $100 payment?
Stripe takes $0.80 from a $100 payment in the US, an effective rate of 0.8%. You receive $99.20.
What are Stripe's fees in the US?
ACH Direct Debit: 0.8% of the sale price, capped at $5.00.
How much should I charge to receive $100 after Stripe fees?
Charge $100.81. After Stripe's processing fees of $0.81, you will receive $100.
Does Stripe charge any extra fees?
Yes, in some cases. Currency conversion (Currency conversion needed): 1% of the sale price.
How do I calculate Stripe fees?
Add up each fee that applies: 0.8% of the sale price, capped at $5.00. Subtract the total from what the buyer pays to get your payout. The calculator above does this for you and shows each line.
Good to know
- Refunds do not return the original processing fee.
- Disputes (chargebacks) cost $15 each, on top of the fees above.
Rates checked against the official pricing page on September 26, 2026. Fees change often, so confirm on the official page before relying on them.
Sources: Stripe US pricing