The fee on the sales you actually take
On a $25 sale, Stripe's 2.9% + 30¢ is $1.03 and 2.75% + 30¢ is $0.99. On $100, $3.20 against $3.05. On a $1,000 invoice, $29.30 against $27.80. At $50,000 a month in $100 sales, $1,450.30 against $1,375.30.
Stripe · feesUpdated October 2026
Stripe fees in 2026, line by line
Every fee Stripe publishes for a US business, from its own pricing page as of October 2026, next to what the same payment costs with Anytime Capital Payments.
anytime-capital.com/dashboard/business/home
Business•••• •••• •••• 4821
Cardholder
Maya Chen
- countries paid in local currency
- 71countries paid in local currency
- payout currencies
- 38payout currencies
- per card or wallet payment
- 2.75% + 30¢per card or wallet payment
- instant payouts to your account
- 24/7instant payouts to your account
The short answer
How much does Stripe charge per transaction?
- Stripe
- 2.9% + 30¢
- Anytime Capital
- 2.75% + 30¢
2.9% + 30¢ per successful domestic online card payment ($3.20 on $100), +1.5% on international cards, +1% when currency conversion is needed, 1.5% for Instant Payouts and $15 per dispute, with no monthly fee on standard pricing. Anytime Capital Payments charges 2.75% + 30¢ ($3.05 on $100), 2.5% + 30¢ for the first 90 days, with no monthly, setup or PCI fee and no fee to be paid instantly.
Fees, line by line: Stripe and Anytime Capital, side by side
Row by row, from Stripe's own published pages and ours.
| Category | | |
|---|---|---|
| Online card payments | 2.9% + 30¢ | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | 2.7% + 5¢ on Stripe Terminal; Tap to Pay adds 10¢ per authorization | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | 0.8%, capped at $5 | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | +1.5% on international cards | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | +1% when currency conversion is needed | May carry an extra fee, shown in your dashboard before you accept the payment |
| Getting paid instantly | 1.5% of the payout, 50¢ minimum (US) | Instant, 24/7, to your Anytime Capital business account |
| Disputes | $15 per dispute, plus a counter fee to contest one (refunded if you win) | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $0 on standard pricing | $0: no monthly, setup or PCI fees |
Stripe capabilities reflect publicly available information as of October 2026.
Save and earn more
Keep more of every sale, and get it the same minute
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
Fee calculator
$50,000
$
- Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
- Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
- PayPal · PayPal Checkout3.49% + 49¢$2,033
- Square · Free plan3.3% + 30¢$1,826
- Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
- Stripe2.9% + 30¢$1,626
- Shopify Payments · Basic plan2.9% + 30¢$1,626
- Authorize.net · All-in-One plan2.9% + 30¢$1,626
- Braintree2.89% + 29¢$1,616
- Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
- Anytime Capital2.75% + 30¢$1,551
- QuickBooks Payments · Invoices and online2.99%$1,495
Saved per year
up to $5,781
vs the highest processor rate above
Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.
- 0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
- 2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
- 0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
- 71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
Payment processing
A complete payments stack, from your website to your bank account
Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.
Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.
Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing
3D Secure and risk rules, in the dashboard
anytime-capital.com/dashboard/business/settings/risk
Add checkout to any website
<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ" data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.
The real product
Invoices, checkouts and receipts your customers actually see
Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.
Salons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
Gyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
Property managementA rent invoice, with rent and parking as separate linesPayments for property management
NonprofitsA donation link: donors choose the amountPayments for nonprofits
Home servicesA quote the customer accepts onlinePayments for home services
Photographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
Pet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
Auto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair
Anytime Capital product views, demo data.
Docs and API
Integrate in an afternoon, or let your AI agent do it
A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.
- MCP server
- https://anytime-capital.com/api/mcp
- Docs as one file
- /docs/llms-full.txt
Create a payment link
curl -X POST https://anytime-capital.com/api/v1/payment-links \
-H "Authorization: Bearer $ANYTIME_API_KEY" \
-H "Idempotency-Key: order-1042" \
-H "Content-Type: application/json" \
-d '{
"title": "Consulting — October",
"amountCents": 12500,
"singleUse": true,
"metadata": { "orderId": "1042" }
}'- QuickstartGo from a new business account to your first paid payment link with the Anytime Capital Payments API: create a key, create a link, verify a webhook.Read
- Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
- Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
- InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
- WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
- Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
- Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
- AI agents hubConnect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.Read
There's no better place to bank than Anytime Capital.
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
In detail
Stripe fees in 2026, line by line
The fees that are not the card rate
International cards add 1.5% and currency conversion another 1% at Stripe. Instant Payouts cost 1.5% of each payout, and a dispute costs $15 plus a counter fee to contest it, refunded if you win. Radar for Fraud Teams, for custom rules and manual review, adds 2¢ per screened transaction on standard pricing.
With Anytime Capital, international and conversion fees, where they apply, are shown in your dashboard before you accept the payment, and there is no fee to be paid instantly.
Where Stripe is worth its price
Stripe's depth is real: Connect for marketplaces, Billing for usage-based subscriptions, Terminal hardware and the broadest library of integrations in payments. If those carry your business, the rate difference is the price of that depth.
Other questions about Stripe
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Fees, line by line: Stripe FAQ
How much is Stripe's fee on $100?
$3.20 at 2.9% + 30¢, against $3.05 at 2.75% + 30¢.
Does Stripe charge a monthly fee?
Not on standard pricing. Add-ons such as Radar for Fraud Teams and Billing are priced separately.
What does Stripe charge for international cards?
1.5% on top of the domestic rate, plus 1% when currency conversion is needed.
Is there a Stripe fee calculator?
Yes: the Stripe fee calculator on this site works out the fee on any sale and what to charge to receive an exact amount, against Anytime Capital's rate.
Is Anytime Capital a bank?
No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners.
Stripe and Anytime Capital
Roundups
Where to go next
Important Disclosures
- Information about Stripe is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
- This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
- Anytime Capital and Stripe are independent companies. This page is not endorsed by, affiliated with, or sponsored by Stripe. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the company being compared or the services we work with.
- Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
- Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
- Dashboard screenshots show a demonstration business with sample data.
- Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.