Stripe pricing: cards, stablecoins (USDC) and ACH fees
Checked Nov 6, 2026 on Stripe’s official pages (sources below). Prices change often: confirm with the provider before you buy.
Stripe charges per successful transaction with no setup or monthly fee on its standard pricing. This page focuses on what matters for AI and crypto-adjacent businesses: card fees, the stablecoin (USDC) payment method, and how they compare on Stripe’s own price list.
Figures below are quoted from stripe.com/pricing and Stripe’s Stablecoin payments docs, checked Nov 6, 2026. Stripe also offers custom (IC+ and volume) pricing through sales.
Standard US pricing (selected lines)
- Domestic cards
- Fee shown on stripe.com/pricing2.9% + 30¢ per successful transaction
- Card add-ons
- Fee shown on stripe.com/pricing+0.5% manually entered; +1.5% international cards; +1% if currency conversion is required
- Stablecoins
- Fee shown on stripe.com/pricing1.5% of the transaction amount in USD (includes conversion to fiat, wallet and AML screening, fraud prevention, gas sponsorship)
- Stablecoins via Link
- Fee shown on stripe.com/pricing0.8% per successful transaction, promotional rate through January 1, 2027; +0.2% thereafter
- ACH Direct Debit
- Fee shown on stripe.com/pricing0.8%, $5.00 cap
- Klarna (BNPL)
- Fee shown on stripe.com/pricing5.99% + 30¢ per successful transaction
- Shared Payment Tokens (agents)
- Fee shown on stripe.com/pricing$0.15 per SPT issued
Selected rows only; Stripe lists many more methods and products. Custom pricing is available for large volume.
Stablecoin payments: what Stripe’s docs say
- Accepted tokens
- ValueUSDC on Tempo, Ethereum, Solana, Polygon and Base; USDP (Ethereum, Solana; US-only); USDG (Ethereum; US-only)
- Presentment currency
- ValueUSD (others in private preview)
- Settlement
- ValueSettles in your Stripe balance in your local currency
- Customer limit
- Value10,000 USD per transaction
- Refunds / disputes
- ValueRefunds supported (returned as stablecoins); no disputes
- Recurring
- ValueYes (Stripe Billing invoices and subscriptions)
From docs.stripe.com/payments/stablecoin-payments, checked Nov 6, 2026.
Stripe stablecoins vs per-call x402 payments
Stripe’s stablecoin method is a checkout: the customer is redirected to connect a wallet, pays, and the merchant is settled in fiat. That suits human buyers and subscriptions. For machine-to-machine payments of a fraction of a cent per API call, many APIs instead use x402, where an agent pays in USDC inside the HTTP request itself. See USDC micropayments and crypto payment gateways compared.
Stripe pricing FAQ
What is Stripe’s fee for stablecoin (USDC) payments?
stripe.com/pricing lists stablecoin payments at 1.5% of the transaction amount in USD (Nov 6, 2026). Stablecoins paid through Link are listed at 0.8% as a promotional rate through January 1, 2027, plus 0.2% thereafter.
What does Stripe charge for cards?
2.9% + 30¢ per successful domestic card transaction, plus 1.5% for international cards and 1% if currency conversion is needed.
Which USDC networks does Stripe accept?
Stripe’s docs list USDC on Tempo, Ethereum, Solana, Polygon and Base (checked Nov 6, 2026).
Do Stripe stablecoin payments have chargebacks?
Stripe’s docs say stablecoin payments have no dispute support, and refunds are returned as stablecoins to the customer’s original wallet.
Sources (official pages, read Nov 6, 2026)
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