Stripe Pricing in 2026
Everything you need to know about Stripe plans, costs, and whether the free plan is enough for your needs.
Last updated: February 2026 · 2 plans compared
📝 Our Take on Stripe Pricing
Stripe remains the gold standard for developer-first payment processing. The API is so well-designed that it's become the benchmark other fintech APIs are measured against. Their free tier is genuinely free — no monthly minimums, no hidden fees. The catch: at high volume, 2.9% + 30¢ per transaction becomes significant, and negotiating custom rates requires substantial volume.
For solo devs and startups: unbeatable. No monthly fees, pay only when you earn. For businesses processing $50K+/month: negotiate custom rates. The real cost is the 2.9% + 30¢ standard rate, which on a $10 product means 29¢ + 30¢ = 59¢ (5.9% effective rate).
📋 Free Plan Details
Limits: No monthly fees. Pay only per transaction: 2.9% + 30¢ for cards. Free dashboard, API, and test mode.
Users: Unlimited team members
All Stripe Plans
Free
Forever free
Unlimited team members
Standard
per user/month
Custom
per user/year
💰 Real Cost by Team Size
Based on the entry-level paid plan. Annual estimates assume ~20% discount.
Frequently Asked Questions
How much does Stripe cost in 2026?
Stripe offers a free plan and paid plans starting at Free / $0/mo per user/month.
Does Stripe have a free plan?
Yes, Stripe offers a free plan. No monthly fees. Pay only per transaction: 2.9% + 30¢ for cards. Free dashboard, API, and test mode. The free plan supports Unlimited team members.
What does Stripe cost for a team of 10?
Pricing varies by plan. Contact Stripe for team pricing or see the detailed breakdown above.
Not sure about Stripe?
Compare alternatives or read our in-depth review.