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#payment processing

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Your real blended Stripe rate by average ticket (2026)

Your real blended Stripe rate in 2026 is 2.9% plus $0.30 divided by your average ticket (US domestic online cards). Below about $20 the flat 30 cents dominates: an $8 ticket pays 6.65%, a $45 ticket 3.57%, a $220 ticket 3.04%. The biggest lever is raising your average ticket (annual billing, bundling, minimums) or moving large invoices to ACH at 0.8%, capped at $5.

August 3, 20267 min read15

Infrastructure economics

Stripe Fees in 2026: What You Actually Pay

Stripe's US rate in 2026 is 2.9% + $0.30 per online card charge with no monthly fee, but the flat 30-cent fee and five add-on meters (international +1.5%, currency conversion +1%, instant payouts 1.5%, disputes $15, Billing 0.7%) push most businesses to an effective 3.2% to 13%. Your real rate is a function of your average order value and how you get paid.

July 5, 20268 min read328