What does Stripe charge for a digital product?

Standard US card payments cost 2.9% + $0.30 per successful charge. Cards issued outside your country add roughly 1.5%, and a currency conversion adds about 1% more.

Stripe refunds the customer in full, but the original per-transaction fee is not returned. Model a refund rate to see the true net.

Does Stripe handle sales tax or VAT?

Not by default. Stripe Tax can calculate it for an extra 0.5% per transaction, but you remain the merchant of record and file the returns.

Stripe fee calculator

Stripe's headline rate is 2.9% + $0.30, but international cards and currency conversion add more. Enter your price and mix to see the real payout.

Product price

USD

Sales per month

sales

International cards

Currency conversions

Refund rate

Stripe fee per sale

$1.32

Blended across your card mix

You keep per sale

$27.69

Net per month

$1,355.25

Effective rate 6.5%

Gross $1,450.00 · Stripe fees $65.75 · refunded $29.00.

Refunds return the sale but not the original per-transaction fee, so the effective rate rises with your refund rate.

Keep these numbers

Export the result, send it to whoever needs to approve the price, or get the next calculator and pricing playbook by email.

How to use it

1Enter your price and monthly sales volume.
2Set the share of international cards and currency conversions.
3Add your refund rate to see the true effective Stripe cost.

Questions

What does Stripe charge for a digital product?: Standard US card payments cost 2.9% + $0.30 per successful charge. Cards issued outside your country add roughly 1.5%, and a currency conversion adds about 1% more.
Are refunds free?: Stripe refunds the customer in full, but the original per-transaction fee is not returned. Model a refund rate to see the true net.
Does Stripe handle sales tax or VAT?: Not by default. Stripe Tax can calculate it for an extra 0.5% per transaction, but you remain the merchant of record and file the returns.

Answered with this calculator

Stripe fees for digital downloadsStripe charges 2.9% + $0.30 on a standard domestic card. Add about 1.5% for international cards and 1% for currency conversion, so a global digital catalogue typically pays 3.5-4.5% blended.

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