Stripe Terminal Fee Calculator — United States
Stripe Terminal in-person (card-present) rate. Lower than online because card-present transactions are less risky. Requires a Stripe Terminal reader.
Country: United States
Effective rate: 2.71%
Stripe Terminal fees at a glance
| Percentage fee | 2.7% |
|---|---|
| Fixed fee | $0.05 |
| Total fee on a $500 transaction | $13.55 |
| You receive | $486.45 |
Worked example
On a $500 sale, Stripe Terminal charges $13.55 in fees, and you receive $486.45.
How this fee is calculated
Stripe Terminal charges 2.7% of the transaction amount plus a flat fixed fee of $0.05 per successful charge. Adjust the amount above to see the exact split.
What affects this fee
- Card-present (swiped/tapped) transactions are cheaper than manually keyed or online
- International cards and currency conversion add surcharges on top of this rate
- You need a compatible Stripe Terminal reader — hardware costs are separate
- International or cross-border transactions typically carry an additional surcharge
- Currency conversion adds a separate conversion cost where applicable
- Disputes and chargebacks carry their own separate fees, not shown here
How Stripe Terminal compares in United States
On the same $500 transaction:
Frequently asked questions
What is the Stripe Terminal in-person rate in the US?
Stripe Terminal's card-present (tap/swipe) rate is 2.7% + $0.05. It's lower than Stripe's online rate because card-present transactions carry less fraud risk.
Do I need special hardware for Stripe Terminal?
Yes. To accept in-person payments you need a compatible Stripe Terminal reader (such as the Reader S2 or M2). The hardware cost is separate from the transaction rate shown here.
Is manually keyed card entry the same rate as tapping?
No. Manually keyed (card-not-present) transactions are more expensive than the swipe/tap rate shown here. Card-present is always the cheapest Stripe Terminal option.
Does Stripe Terminal add fees for international cards?
Yes. International cards (issued outside the US) add a cross-border surcharge on top of the 2.7% card-present rate shown here.
Is this Stripe Terminal rate the same as Stripe's online rate?
No. Stripe Terminal's in-person rate (2.7% + $0.05) is lower than the standard online rate of 2.9% + $0.30 because card-present transactions are less risky.
Is this Stripe Terminal calculator affiliated with Stripe?
No. It's an independent tool from Fee Calculator Hub referencing Stripe's official Terminal pricing.
Rates verified September 1, 2026 against Stripe Terminal's official pricing page. Fee structures change periodically — always confirm current rates before making pricing decisions.