On a $1,000 charge with a domestic US card, Stripe takes $29.30 (2.93% effective): - 2.9% of $1,000 = $29.00 - Fixed fee = $0.30 - Total fee = $29.30 | You receive = $970.70
For an international card: $44.30 fee | $955.70 net.
At what volume do you get Stripe's custom pricing?
Stripe negotiates custom pricing for businesses processing $80,000+/month in volume. Custom rates typically range from 2.2–2.5% + $0.10–$0.20, depending on transaction mix and risk profile. At $80k/month with a custom 2.4% + $0.15 rate, the $1,000 transaction fee drops to $24.15 — saving $5.15 per transaction vs. standard pricing.
$1,000 is the ACH threshold
Stripe also supports ACH bank transfers at 0.8% (capped at $5). For a $1,000 transfer, ACH costs $5.00 — 83% cheaper than card processing. For B2B invoices over $500, offering ACH alongside card payment can significantly reduce processing costs. Note: ACH takes 2–5 business days to settle vs. instant card authorization.