Stripe Fees for Selling Products: Card Rates, Payment Links, Refunds and Disputes (US, UK, EU)

On standard pricing, Stripe charges a fee only when a card payment succeeds: 2.9% + 30¢ for a US card, 1.5% + 20p for a standard UK card and 1.5% + €0.25 for a standard EEA card in the euro area. There is no monthly fee and no set-up fee, and Payment Links cost nothing extra. What moves the number is the buyer’s card: foreign cards, premium cards and currency conversion all add a percentage. On a $40 item paid with a US card you keep $38.54; on a £40 item paid with a standard UK card you keep £39.20.

Who this is for

This guide is for someone selling physical items through Stripe: a small brand with a product catalogue, a reseller sending checkout links by message, or a stall holder taking payment by QR code. It covers Stripe’s standard pricing, the rates any new account gets without negotiating. Larger businesses can ask Stripe for custom pricing, and their numbers will differ.

Card fees in the US

Stripe’s US pricing page sets one rate for domestic cards, 2.9% + 30¢ per successful transaction. Three surcharges can sit on top of it:

• +1.5% when the buyer pays with a card issued outside the US
• +1% when the payment has to be converted into another currency
• +0.5% when you type the card number in by hand

Stripe also states that it charges no set-up fees, no monthly fees and no closure fees on this pricing. You pay per sale and nothing when you sell nothing.

Card fees in the UK

The UK pricing page splits domestic cards in two. A standard UK card costs 1.5% + 20p. A premium UK card costs 2.8% + 20p. Cards from the European Economic Area cost 2.5% + 20p, and cards from anywhere else cost 3.15% + 20p. If the payment needs converting into pounds, a further 2% applies.

The fixed 20p matters more on small items than the percentage. On a £5 sale paid with a standard UK card, the fee is 28p, or 5.6% of the price.

Card fees in the euro area

Ireland is a fair example for a seller in the eurozone. Stripe’s Irish pricing page lists 1.5% + €0.25 for a standard EEA card, 2.8% + €0.25 for a premium EEA card, 2.5% + €0.25 for a UK card and 3.15% + €0.25 for other international cards, with 2% added for currency conversion. Other euro countries publish their own page, so check yours before you set prices.

Worked examples on a $40 and a £40 item

The gap between the cheapest and dearest UK case is £1.46 on the same item. If a lot of your buyers are abroad, price with the higher figure in mind.

Payment Links and QR codes

A Payment Link is a Stripe checkout page for one product that you can send by message, post on social media or show as a QR code, with no website needed. Stripe lists Payment Links as included at no additional charge on standard pricing, so a sale through one costs the normal card fee and nothing more. Two optional extras are charged separately: a custom domain for the link at $10 a month, and post-payment invoices at 0.4% of the total, capped at $2 per invoice.

Stripe’s Payment Links documentation also lets you limit how many times a link can be paid. For someone selling single items, that limit is the nearest thing Stripe has to stock control: set it to 1 and the second buyer cannot pay for something you no longer have.

Selling in person with Terminal or Tap to Pay

In-person card payments have their own rates. In the US, Stripe Terminal costs 2.7% + 5¢ per successful transaction, and Tap to Pay on a phone adds 10¢ per authorisation. A $40 tap on a US card therefore costs $1.08 + $0.05 + $0.10 = $1.23.

In the UK, Terminal pricing is 1.4% + 10p for EEA cards and 2.9% + 10p for non-EEA cards, with 10p more per authorisation for Tap to Pay. Readers cost money too: the Stripe Reader S700 is listed at £229. If you only sell at the odd market, a Payment Link QR code on the table costs the online card rate and needs no hardware.

Refunds and disputes

Refunding a card payment is free in itself, but Stripe’s refund documentation says the processing fees from the original transaction are not returned. Refund a $40 sale in full and you hand back $40 while Stripe keeps the $1.46 it charged, so the refund costs you $1.46. Partial refunds work the same way.

A dispute, when a buyer asks their bank to reverse the payment, costs more. The US page lists a $15 fee for each dispute received and another $15 if you respond to it manually, which comes back if you win. In the UK both fees are £20, and in Ireland both are €20. Clear photos, tracked postage and a written description of condition are what win them.

How this compares with marketplace fees

Stripe takes a payment fee and nothing else. A marketplace takes a selling fee for bringing you the buyer, and the payment fee is usually on top. On eBay in the US, most categories carry a final value fee of 13.6% on the total sale plus $0.40 per order above $10. The same $40 item costs $5.44 + $0.40 = $5.84 there, four times the Stripe fee. On Etsy, the $0.20 listing fee and 6.5% transaction fee come to $2.80 on $40, before Etsy’s own payment processing.

The comparison is not quite fair, because a Stripe link sells nothing by itself. Your own followers, website or stall have to supply the buyer. Most small sellers use both: marketplaces for reach, a Stripe link for repeat customers and in-person sales where no commission applies. Depop and Vinted each work out their charges differently again; on Vinted the buyer pays the Buyer Protection fee. To see a marketplace’s cut on your own item, use the fee calculator for eBay, Etsy, Depop or Vinted.

Selling the same stock on Stripe and the marketplaces

The risk in running both is selling one item twice: once through a link and once on Depop or eBay. FLUF Connect works with Stripe to keep one stock count across them. You connect your Stripe account from the Channels screen, with no browser extension. Your active Stripe products come into FLUF, and you can list them on Depop, eBay, Etsy, Vinted and other marketplaces from there. Below, a Stripe product is selected in FLUF with Depop chosen as the destination.

It works the other way too. Send a FLUF item to Stripe and FLUF creates the product with a Payment Link limited to the quantity you have. When the item sells on another channel, that link is switched off and shows buyers “Sorry, this item has sold.” Sales made through Stripe are not detected by FLUF, so when something sells through a link or at your stall, mark it sold in FLUF and it comes off your other channels.

Crosslisting and inventory sync are on every FLUF plan. Relisting, offer management and smart pricing come with the Pro plan and above. You can start with 7 days for £1, then from £9/month.

Automatic relisting, offer management, smart pricing and listing boosts are included from Pro upwards. Starter covers unlimited crosslisting, inventory sync, order sync and Instagram posting without them. Accounting integrations are included from Pro upwards. Yearly billing is charged once a year. New accounts get 7 days for £1, then move onto a plan.

For the payment limit, QR codes and shipping settings on a link, see our guide to Stripe Payment Links for selling products.

If you also sell face to face, our guide to selling in person with Stripe compares Tap to Pay, QR codes and Terminal readers.

Weighing other payment providers? Our guide to Stripe alternatives for product sellers compares Square, Shopify Payments, PayPal and SumUp.

Sources

• Stripe: Pricing (US) (checked October 2026)
• Stripe: Pricing (UK) (checked October 2026)
• Stripe: Pricing (Ireland) (checked October 2026)
• Stripe: Terminal (UK) (checked October 2026)
• Stripe Docs: Payment Links (checked October 2026)
• Stripe Docs: Refund and cancel payments (checked October 2026)
• eBay: Selling fees (checked October 2026)
• Etsy: Fees and payments policy (checked October 2026)