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Understanding Stripe Payment Processing Fees and Payouts

Stripe handles all payment processing securely and deposits funds directly into your connected bank account after each transaction.

Robert Prasher avatar
Written by Robert Prasher
Updated over 3 months ago

Processing Fees

Stripe charges a small percentage per successful transaction.
Typical rates (U.S.):

  • 2.9% + $0.30 for credit and debit card payments.

  • Additional 1% for international cards or currency conversions.

These fees are automatically deducted before funds are transferred to your account. You’ll see the net payout amount in your Stripe dashboard.

Payouts

  • Payouts are automatic and typically take 2–3 business days after a payment is completed.

  • First payout may take longer (up to 7 days) for account verification.

  • You can adjust payout frequency (daily, weekly, or monthly) directly in Stripe Dashboard → Settings → Payout schedule.

Reporting

All transactions, fees, and payouts can be viewed inside Stripe or synced automatically with your accounting software if integrated (e.g., QuickBooks).

Benefits

  • Transparent fee structure.

  • Automatic deposits and reconciliation.

  • No hidden charges or manual transfers required.

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