Stripe Fees by Country (2026): 17 Markets Compared, Each Verified

Stripe prices every country separately, and the gap is wider than most sellers expect: a domestic card costs 1.5% + 20p in the UK and 1.5% + €0.25 in much of Europe, 2.9% + 30¢ in the United States, 3.4% + a fixed fee in Singapore and Hong Kong, and 3.99% in Brazil. The reason is regulation rather than Stripe's pricing choices, and it decides which surcharges you can avoid. Every market we have verified is below, side by side first, then one at a time.

Stripe fees at a glance: every market we track

Rates as published on Stripe's own page for each market and recorded in the Global Fee Index. Countries with a full section below are linked from the table of contents; the index also covers markets we have not written up yet.

Why Stripe is 1.5% in London and 3.4% in Singapore

Interchange caps. The EU and UK cap the interchange fee banks charge on consumer cards (0.2% debit, 0.3% credit), so Stripe's European and British rates sit around 1.5%. Where there is no cap — the US, Singapore, Hong Kong, Brazil — Stripe's rate has to cover interchange of 1.5–2.5% and lands at 2.9–3.99%. Nothing a merchant does changes this.

Card origin. Every market charges more for cards issued elsewhere: +1.5% in the US, a separate EEA tier (2.5%) and non-EEA tier (3.25%) in the UK, and similar steps in Europe and Asia. A business in a cheap market selling mainly to Americans pays closer to the American rate.

Fixed fee and conversion. Japan and India publish no fixed fee, which makes small transactions far cheaper there; Hong Kong's HK$2.35 makes a HK$20 sale cost over 11%. Currency conversion adds 1% in the US and 2% in the UK and Europe on top of everything else.

Tax on the fee. In the UK, Europe, Australia and India, Stripe's fee itself attracts VAT or GST that a VAT-registered business can reclaim and an unregistered one cannot — a point almost every fee guide omits and one that changes the effective rate by a fifth.

Countries covered on this page

Australia · Brazil · Canada · France · Germany · Hong Kong · India · Ireland · Japan · Malaysia · Mexico · Netherlands · New Zealand · Singapore · Switzerland · United Arab Emirates · United Kingdom

Stripe fees in Australia

Stripe Australia's headline rate is one of the cheapest in the world: 1.75% + A$0.30 on Australian cards. But two things every Australian seller should know — GST is added to every Stripe fee, and international cards jump to 3.25% — make the real number bigger than the brochure.

Australian domestic cards: 1.75% + A$0.30. When an Australian buyer pays you with an Australian-issued Visa, Mastercard, or Amex card, Stripe charges 1.75% + A$0.30. On an A$100 sale that is A$2.05 in fees — well under half of what the same payment would cost on US Stripe (US$3.20).

Australia's lower rate exists because the RBA caps Australian interchange. Stripe passes most of that saving on to merchants here.

International cards: 3.25% + A$0.30. Cards issued outside Australia cost 3.25% + A$0.30 — almost double the domestic rate. That includes US, UK, EU, and NZ cards. On a A$200 international sale, that is A$6.80 vs A$3.80 for an Australian card.

If a significant share of your traffic is overseas, build that 1.5-point gap into your pricing or expect a real margin hit.

Currency conversion: extra 1%. If you charge buyers in USD, GBP, EUR or any currency other than AUD, Stripe adds 1% for currency conversion on top of the card rate. For Australian sellers serving global audiences, pricing in AUD and letting Stripe display localised prices to overseas buyers is usually cheaper than charging foreign currencies and converting back.

GST: the 10% nobody talks about. Stripe is registered for GST in Australia. That means every fee — the 1.75%, the A$0.30, the international surcharge — comes with 10% GST added on top. A nominal A$2.05 Stripe fee actually costs your business A$2.26.

If you are GST-registered, you claim the GST back on your BAS. If your turnover is below the A$75,000 GST threshold, that 10% is a real extra cost. Most small Stripe Australia sellers miss this — factor it in when you compare against PayPal Australia (whose fees also attract GST).

Local payment methods worth offering. BECS Direct Debit (Australian bank account debits) on Stripe is 1% + A$0.30, capped at A$3.50 per transaction. For B2B invoices above A$200 it is dramatically cheaper than cards.

Stripe also supports BPAY and PayID through Connected Accounts for some plans — worth checking if you process recurring or B2B payments.

What an A$100 sale really costs. AU card: A$1.75 + A$0.30 = A$2.05 + 10% GST (A$0.21) = A$2.26 total. Net to you: A$97.74.

International card: A$3.25 + A$0.30 = A$3.55 + 10% GST (A$0.36) = A$3.91 total. Net to you: A$96.09. The international gap on a single sale is small but compounds across hundreds.

Source: Stripe Australia pricing (official). Last reviewed August 2026.

Stripe fees in Brazil

In most countries the choice of payment method moves your costs by fractions of a point. In Brazil it moves them by two-thirds. Stripe charges 3.99% + R$0.39 for a card and 1.19% for a Pix payment — and Pix is already how most of the country pays. Here are the 2026 numbers and where each method wins.

Three methods, three completely different costs. Stripe Brazil prices cards, Pix, and boleto on entirely different models — a percentage with a fixed fee, a clean percentage, and a flat amount respectively:

On R$100, the same sale costs R$4.38 by card, R$1.19 by Pix, or R$3.45 by boleto. That is not an optimisation; it is a different business.

Pix is the whole strategy. At 1.19% with no fixed fee, Pix costs less than a third of a card payment at every order value, and the saving grows without limit because nothing is charged per transaction.

A store doing R$50,000 a month entirely on cards pays about R$2,000 in Stripe fees. The same store with 70% of its volume on Pix pays about R$1,015 — a saving of nearly R$12,000 a year from one checkout decision.

Because Pix settles instantly and is nearly universal among Brazilian consumers, the usual objection to bank-based methods — friction — barely applies here.

Boleto: a flat fee, so it wins on large orders. Boleto costs R$3.45 per paid boleto regardless of the amount. Because it is flat and the card rate is a percentage, there is an exact crossover point where boleto becomes cheaper than a card.

Setting 3.99% × amount + R$0.39 equal to R$3.45 gives about R$77. Below R$77 a card is cheaper; above it, boleto is — and on a R$2,000 order boleto costs R$3.45 against R$80.19 by card.

The trade-off is real, though: a boleto has to be paid at a bank or app before it settles, so a share of them never get paid at all. Boleto suits high-value, considered purchases, not impulse ones.

Selling abroad. A card issued outside Brazil adds 2%, taking the rate to 5.99% + R$0.39, and customers converting currency incur a conversion fee starting at 2%.

For Brazilian businesses with meaningful foreign revenue, the combination puts a US card sale close to 8% — which is why comparing what a specialist transfer provider charges is worth the hour it takes. See the Wise and Payoneer calculators, and PayPal fees in Brazil for the other route most Brazilian sellers already have.

Source: Stripe Brazil pricing (official). Last reviewed August 2026.

Stripe fees in Canada

Stripe Canada's domestic card rate is 2.9% + C$0.30 — the same headline as US Stripe. But Canada's higher international surcharge and the option of Interac Online change which payment methods are actually cheapest for Canadian businesses.

Canadian domestic cards: 2.9% + C$0.30. When a Canadian buyer pays with a Canadian-issued Visa, Mastercard, Amex or Discover, Stripe charges 2.9% + C$0.30 — identical to the US rate. On a C$100 sale, Stripe takes C$3.20.

Unlike the UK or Australia, Canadian interchange is not capped by regulation at the same level as the EU. That keeps the Stripe Canada base rate close to the US.

International cards: +1.5% surcharge. Cards issued outside Canada (US, UK, EU, etc.) cost 2.9% + C$0.30 plus a 1.5% international surcharge — effectively 4.4% + C$0.30. On a C$200 international sale, that is about C$9.10 vs C$6.10 for a Canadian card.

Canada's surcharge is the same percentage as Stripe US, so cross-border math is roughly symmetrical — Canadian sellers pay similar gaps that US sellers pay on Canadian cards.

Currency conversion: extra 1%. If you accept payments in USD, GBP or EUR but settle in CAD, Stripe adds 1% for the conversion on top of the card rate. For Canadian sellers, pricing in CAD and letting Stripe present localised prices is the standard cheaper path.

Interac Online: the local alternative. Stripe Canada supports Interac Online (direct from a Canadian buyer's bank account) at 1% + C$0.30 — about a third of the card rate for domestic transactions. Almost every Canadian buyer can use it without setting anything up.

It works particularly well for higher-ticket B2B or invoice-style payments where the flat fee is small relative to the order. Offering it as a checkout option can save a significant share of processing costs.

GST / HST considerations. Stripe Canada charges GST/HST on its fees according to your province (5% GST in Alberta, up to 15% HST in NS/NB/NL/PE/ON). The tax is added on top of the headline rate and shown on your Stripe invoice.

If you are GST/HST-registered, you reclaim it as an input tax credit. Below the C$30,000 small-supplier threshold, the tax is a real extra cost.

What a C$100 sale really costs (Ontario seller, HST 13%). Canadian card: C$2.90 + C$0.30 = C$3.20, plus C$0.42 HST = C$3.62 total. Net to you: C$96.38.

International card: C$2.90 + C$0.30 + C$1.50 (1.5% surcharge) = C$4.70, plus C$0.61 HST = C$5.31 total. Net: C$94.69. The international gap matters more here than in Australia because the base rate is already higher.

Source: Stripe Canada pricing (official). Last reviewed August 2026.

Stripe fees in France

France gets one of the lowest card rates Stripe charges anywhere — 1.5% — because European interchange is capped by regulation. For a mostly domestic French business the percentage is almost a non-issue. The fixed 0,25 € is a different story, and it is the number that decides whether small-basket selling works at all.

The rate card. Stripe France charges by the card's country of issue:

For a French retailer selling to French customers, that first row is the whole story: 1.5% + 0,25 €, roughly half what an equivalent US business pays.

The fixed 0,25 € is the real constraint. Because the percentage is so low, the fixed fee dominates small transactions to a degree that surprises French merchants moving from a card terminal.

At 3 € the effective rate is 9.8% — more than six times the headline. Any business selling single low-value items online in France is really paying a per-order tax, not a percentage.

The practical answers are the ones any bakery already knows instinctively: a minimum order value, bundles, or subscriptions that batch several small purchases into one charge. Each of those converts a fixed-fee problem into a percentage problem, and the percentage is cheap here.

Selling outside the euro area. A British customer costs 2.5% + 0,25 € — a full point above an EEA card, and a permanent consequence of Brexit rather than a temporary arrangement. A customer anywhere else costs 3.15% + 0,25 €.

Currency conversion adds another 2% on top of either. Pricing in euro and letting the buyer's bank convert avoids that entirely, which for a French exporter is the single easiest saving available.

One rate card across the euro area. These are the same rates Stripe charges in Ireland, Germany, and the rest of the euro area — the platform does not price France separately. What changes between those markets is the customer mix, and therefore the blended rate you actually pay.

Compare with Stripe fees in Ireland, where heavy UK exposure pushes the effective rate well above the headline, and Germany. For the alternative that most French sellers also run, see PayPal fees in Germany — the eurozone PayPal structure is the same shape.

Source: Stripe France pricing (official). Last reviewed August 2026.

Stripe fees in Germany

Germany is Europe's biggest Stripe market, and the rates reflect EU interchange regulation: 1.5% + €0.25 on EEA cards is among the lowest in the world. But two costs catch German sellers out — 19% VAT on every fee, and the non-EEA jump that suddenly doubles your cost on US/UK card payments.

EEA cards: 1.5% + €0.25. Stripe charges 1.5% + €0.25 on cards issued anywhere in the European Economic Area — Germany, France, the Netherlands, Italy, Spain, the Nordics, and the rest. On a €100 sale, Stripe takes €1.75 — comparable to UK pricing and roughly half the US rate.

The reason: EU regulation caps consumer-card interchange at 0.3% (credit) and 0.2% (debit), so processors like Stripe can pass that saving on. Sellers paying US-style 2.9% rates anywhere in the EEA are being overcharged.

Non-EEA cards: 2.5% + €0.25. UK, US, Swiss, Canadian, and any non-EEA card costs 2.5% + €0.25 — a full percentage point more than EEA cards. Since Brexit in 2021, UK-issued cards are non-EEA for Stripe Germany.

On a €200 international sale, that is €5.25 vs €3.25 for an EEA card — a €2 gap per sale. Across an international-heavy month, the difference is significant.

Currency conversion: +1%. If you charge in USD, GBP, or any currency other than EUR but settle in EUR, Stripe adds 1% for the conversion. For German sellers, pricing in EUR and letting Stripe present localised prices to overseas buyers is the cheaper path.

SEPA Direct Debit: 0.8%, capped at €5. For German B2B invoices and recurring subscriptions, SEPA Direct Debit on Stripe is 0.8% + €0.25, capped at €5 per transaction. That cap makes SEPA dramatically cheaper than cards on invoices above €350.

On a €2,000 invoice, SEPA costs €5 vs ~€30 by card. For SaaS and consultancy invoices to other German/EU businesses, it is the standard choice.

Local methods: Giropay, Sofort, Klarna. German buyers expect to see Giropay (now wound down — replaced by paydirekt for online banking), SEPA Direct Debit, and Klarna at checkout. Offering them improves conversion meaningfully for German shoppers used to bank transfers over cards.

Klarna costs 5.99% + €0.30 via Stripe Connect in Germany — expensive per transaction, but conversion gains often pay for it on higher-ticket items.

VAT 19% on every Stripe fee. Stripe is registered for German VAT (Umsatzsteuer) at 19%. Every fee — the 1.5%, the €0.25, the international surcharge — comes with 19% VAT added on top. A nominal €1.75 Stripe fee actually costs €2.08.

VAT-registered businesses reclaim it as input tax (Vorsteuer). If you are running a Kleinunternehmer business below the threshold, the 19% is a permanent extra cost — and it stacks on every fee, not just Stripe's percentage.

Source: Stripe Germany pricing (official). Last reviewed August 2026.

Stripe fees in Hong Kong

Hong Kong carries one of the largest fixed per-transaction fees Stripe charges anywhere — HK$2.35, roughly thirty US cents. Paired with a 3.4% rate, it makes small-order selling expensive in a way the headline percentage hides completely. Here are the 2026 numbers.

The rate card. Stripe Hong Kong charges 3.4% plus a fixed HK$2.35 on a card issued in Hong Kong. An international card adds 0.5%, and currency conversion adds 2%.

The 0.5% international surcharge is one of the gentlest Stripe charges — which suits a city whose customer base is inherently cross-border.

Where the fixed fee bites. HK$2.35 is small in absolute terms and large relative to a small order:

Below about HK$100 you are paying more than 5% — half again the headline rate. For anyone selling accessories, small consumables, or single digital items, the fixed fee, not the percentage, is the constraint on the business model.

The answers are structural rather than negotiable: minimum order values, bundles, and subscriptions all convert several fixed fees into one.

Compared with the region. Hong Kong's structure sits between its neighbours. Singapore charges more on the percentage (3.4% + S$0.50, and S$0.50 is a smaller absolute fee than HK$2.35 for a similar sale value). Japan charges 3.6% with no fixed fee at all.

The practical reading: if your average order is small, Japan's structure is kinder and Hong Kong's is the harshest of the three. If your average order is a few thousand Hong Kong dollars, the difference between all three is within half a point.

Cross-border and conversion. At 0.5%, taking an overseas card costs very little extra. Converting currency costs 2%, charged on the full amount — four times the surcharge.

Pricing in Hong Kong dollars and leaving conversion to the buyer's bank removes that 2% entirely, which for a business with substantial mainland or international revenue is the largest single saving available. Compare providers in the Wise and Payoneer calculators.

Source: Stripe Hong Kong pricing (official). Last reviewed August 2026.

Stripe fees in India

India is one of the few markets where Stripe is cheaper than in the United States for local sales and considerably more expensive for foreign ones. A domestic card costs 2%; the same amount billed to a US client in dollars can cost more than three times that once presentment and conversion are counted. Here is the full 2026 ladder.

Domestic cards: 2%, no fixed fee. For Visa and Mastercard issued in India, Stripe charges a flat 2% of the transaction with no per-transaction fixed fee. On ₹5,000 that is ₹100; on ₹50,000, ₹1,000.

The absence of a fixed fee matters more than the headline: because nothing is charged per transaction, the effective rate stays 2% whether the sale is ₹100 or ₹1 lakh. In the US, the equivalent 2.9% + $0.30 turns into 5.9% on a $10 sale. Indian merchants selling low-ticket digital products are in an unusually good position here.

Domestic debit cards are separately capped by regulation at 0.4% MDR with a ₹200 ceiling, so large debit-card transactions cost far less than the card rate suggests.

The international ladder — where the cost multiplies. Stripe India prices foreign cards in tiers, and the tier depends on both the card and the currency you charge in.

The gap between the first row and the last is the single most important number for any Indian business with overseas customers: the same sale costs 2% or 6.3% depending on how it is billed.

A $1,000 invoice to a US client. Charge it in dollars to a US card and Stripe applies the 4.3% presentment rate, then 2% to convert the proceeds to rupees. That is 6.3%, or roughly $63 on the invoice.

Charge the same client in rupees instead and the foreign-card rate is 3% with no conversion step — about $30. The client sees an INR amount and their own bank handles the conversion, which is often at a better rate than they would get through you anyway.

For Indian freelancers and SaaS businesses this single decision — which currency the charge is presented in — is worth more than any other fee optimisation available on the platform. Compare the alternatives in the Payoneer fee calculator and Wise fee calculator before committing to a default.

Disputes cost ₹1,000 either way. A dispute costs ₹1,000 when it is received, and countering it costs a further ₹1,000 — refunded only if you win. So a single lost chargeback on a ₹2,000 order costs more than the order was worth.

For low-value, high-volume businesses this is the fee line that actually threatens the margin, not the 2%. Clear billing descriptors and prompt refunds are worth more than a rate negotiation.

Where Stripe sits against the alternatives in India. For domestic sales, 2% with no fixed fee is competitive with the local gateways and simpler to reconcile.

For inbound foreign payments, Stripe is rarely the cheapest route — PayPal India cannot process domestic payments at all and charges 4.40% + ₹3 plus conversion on international ones (full breakdown), while dedicated transfer services price the conversion far more tightly. The pattern that wins for most Indian exporters is Stripe or a local gateway for Indian customers, and a specialist provider for foreign receivables.

Source: Stripe India pricing (official). Last reviewed August 2026.

Stripe fees in Ireland

Ireland has the cheapest Stripe rate available anywhere in the euro area — and the highest exposure to the tier that sits just above it. The UK is Ireland's closest trading partner, and since Brexit a British card costs an Irish business a full percentage point more than a French or German one. Here is the 2026 rate card and what your customer mix actually costs you.

The four rates. Stripe prices Irish businesses off the card's country of issue, not the customer's address or the currency:

The same €100 sale therefore costs €1.75, €2.75, €3.40, or €5.40 depending on where the card was issued and whether Stripe has to convert.

The UK tier is the number that matters here. For most euro-area businesses the UK tier is a footnote. For an Irish one it is a line item, because a large share of typical Irish e-commerce revenue comes from British customers.

Work the blend: if 30% of your card sales are on UK cards, your effective rate is not 1.5% but 1.8% — (0.7 × 1.5) + (0.3 × 2.5). On €500,000 of annual card revenue that difference is €1,500 a year that never appears as a separate charge anywhere.

There is nothing you can do to change the tier, but there is something to do with the knowledge: price it in, and stop comparing your effective Stripe rate to the 1.5% headline when you are budgeting.

Dollar revenue and the 2% conversion. Irish businesses billing US customers face the second trap: charging in dollars means the international card rate of 3.15% and then 2% to convert the proceeds to euro — 5.15% + €0.25 all in.

Billing the same customer in euro costs 3.15% with no conversion step. Their bank converts instead, usually at a rate no worse than Stripe's, and at no cost to you. Unless a US customer specifically requires dollar pricing, euro pricing removes 2% from every transatlantic sale.

Same rate card, different exposure. Stripe prices the whole euro area from one card, so these are the same rates a business in France, Germany, or Spain sees. What differs is who your customers are — and Ireland's mix is unusually weighted toward the two most expensive tiers.

See Stripe fees in France and Stripe fees in Germany for how the same numbers play out with a mostly domestic customer base, or run your own mix through the Stripe fee calculator.

Source: Stripe Ireland pricing (official). Last reviewed August 2026.

Stripe fees in Japan

Japan's Stripe rate looks high next to Europe's, and for a ¥10,000 order it is. For a ¥300 one it is the cheapest structure on this entire site — because Japan is one of only two markets Stripe prices with no fixed per-transaction fee at all. Here is what that means in practice.

One rate, no fixed fee. Stripe Japan charges 3.6% per successful card transaction — Visa, Mastercard, and JCB alike — with no fixed yen amount added. Currency conversion, where required, adds 2%.

The absence of a fixed fee is the whole story. In the UK a £1.50 sale costs 1.5% + £0.20, an effective 14.8%. In Japan, the equivalent ¥300 sale costs ¥10.80 — exactly 3.6%, the same effective rate as a ¥300,000 order.

What a flat percentage lets you build. Most of the fee advice on the internet is really advice about working around a fixed fee: raise the basket, bundle items, set a minimum order. None of it applies in Japan.

Micro-priced digital goods, per-article payments, small in-app purchases, tipping — all of these are structurally viable in Japan at prices that would be uneconomic in Europe or the US, where the fixed component eats a quarter of a small sale.

The trade runs the other way at the top end: on a ¥100,000 order, 3.6% is ¥3,600 where a UK business would pay about 1.5%. If your average order is large, Japan's rate is genuinely expensive.

Convenience store payments. Stripe also supports konbini payments, the counter-payment method a large share of Japanese shoppers still prefer for online orders. Its pricing carries a minimum fee of ¥120 per transaction.

That minimum is what defines where konbini makes sense: on a ¥1,000 order it is 12%, and on a ¥20,000 order it is 0.6%. It suits considered, higher-value purchases — not the small ones the card rate handles so well.

Currency conversion. If Stripe converts a currency for you, add 2% on the full amount. As in every market, pricing in yen and letting the buyer's bank convert avoids it entirely.

For Japanese businesses with meaningful foreign revenue, the 2% is usually larger than any rate difference worth chasing — compare what a specialist provider charges on the same amount in the Wise fee calculator, and see Stripe fees in Hong Kong and Singapore for how the region's other hubs are priced.

Source: Stripe Japan pricing (official). Last reviewed August 2026.

Stripe fees in Malaysia

Malaysia is the rare market where the cheapest payment method is not the one you would guess. Cards and FPX bank transfers cost exactly the same, Alipay costs slightly less, and GrabPay — alone among them — carries no fixed fee at all, which makes it the cheapest option on every order under about RM33. Here are the 2026 numbers.

Every method, side by side. Stripe Malaysia prices four consumer payment methods, and the differences are structural rather than cosmetic:

Note the first two rows: FPX, Malaysia's bank transfer rail, costs exactly the same as a card. In most countries bank-based methods are the cheap option — here they are simply another option.

GrabPay has no fixed fee — that is the whole difference. GrabPay costs a flat 3% with nothing added per transaction. Cards cost 3% + RM1.00. So GrabPay is cheaper on every order, and dramatically cheaper on small ones.

On a RM20 order GrabPay costs RM0.60 against RM1.60 by card — 62% less. On RM50 it is RM1.50 against RM2.50. The gap in absolute terms is always exactly RM1.00, which means the smaller the order, the more it matters.

For any Malaysian business with a low average order value — food, small goods, digital — promoting GrabPay at checkout is worth more than any other fee decision available.

In person is cheaper than online. Stripe Terminal charges 2.8% + RM0.50 on a domestic card in person, against 3% + RM1.00 online. Both the percentage and the fixed fee are lower.

On a RM100 sale that is RM3.30 in person against RM4.00 online — about 17% less. For hybrid businesses running a shopfront alongside a store, the counter is the cheaper channel here, which is not true in every market.

Cross-border. An international card adds 1%, taking it to 4% + RM1.00, and currency conversion adds a further 2%. In-person international cards carry the same 1% surcharge.

As elsewhere, pricing in ringgit and letting the buyer's bank convert avoids the 2% entirely. For a picture of how the region's other hubs are priced, see Stripe fees in Singapore, Hong Kong, and Japan.

Source: Stripe Malaysia pricing (official). Last reviewed August 2026.

Stripe fees in Mexico

Mexico has one of Stripe's higher card rates and — unusually — local bank transfers cost more than cards rather than less. Combined with a fixed three-peso fee, that reshapes what is worth selling online. Here are the 2026 numbers.

The rate card. Stripe Mexico charges 3.6% + MXN 3.00 on a domestic card. A card issued abroad adds 0.5%, and currency conversion adds 2%.

Local payment methods — bank debits and transfers — are priced at 4% + MXN 3.00, a genuine outlier: in most markets pulling funds from a bank account is the cheapest route available, and in Mexico it is the most expensive.

Where the fixed peso lands. MXN 3.00 is small, but on the low-value transactions that dominate Mexican e-commerce it is not negligible:

Below about MXN 300 the fixed fee adds a full percentage point or more to the headline. As everywhere, the answer is basket size rather than rate negotiation — but the effect is milder here than in markets with a euro or dollar fixed fee, because MXN 3.00 is a smaller absolute amount.

The international surcharge is mild — the conversion is not. At 0.5%, Stripe's Mexican international surcharge is one of the gentlest on this site: a US card costs 4.1% + MXN 3.00 against a domestic 3.6%.

Conversion is four times that. If you price in dollars and settle in pesos, the 2% conversion fee is charged on the whole amount and typically dwarfs the surcharge. Mexican businesses selling into the US should price in pesos where the customer will accept it, and where they will not, compare the cost of converting outside Stripe — see the Wise and Payoneer calculators.

Against PayPal in Mexico. PayPal is the default comparison for most Mexican merchants, and Stripe is the cheaper of the two on a domestic sale — 3.6% + MXN 3.00 against PayPal's 3.95% + MXN 4.00.

The gap widens on conversion, where PayPal charges a 3.5% spread against Stripe's 2%. The full breakdown is in PayPal fees in Mexico; the short version is that PayPal earns its place at checkout through buyer trust, not price.

Source: Stripe Mexico pricing (official). Last reviewed August 2026.

Stripe fees in Netherlands

The Netherlands is the one major European market where cards are the minority payment method — most Dutch online purchases go through iDEAL, and Stripe prices it as a flat €0,29 per transaction regardless of amount. That single fact changes the fee arithmetic more than any card rate. Here are the 2026 numbers.

The rate card. Stripe's Dutch card pricing follows the standard euro-area ladder, with iDEAL priced separately as a flat amount:

iDEAL beats cards at every realistic amount. Because iDEAL is a flat fee and cards are a percentage, there is a crossover — and it sits absurdly low. Setting 1,5% × amount + €0,25 equal to €0,29 gives about €2,67. Above €2,67, iDEAL is cheaper. Below it, a card is — and almost nothing online costs less than €2,67.

The gap grows without limit: on a €100 order iDEAL costs €0,29 against €1,75 by card — 83% less. On €1.000, €0,29 against €15,25 — 98% less.

For a Dutch store doing €30.000 a month, shifting the payment mix from 50% iDEAL to 80% iDEAL saves roughly €1.600 a year, for the cost of reordering the checkout buttons.

Why Dutch businesses still take cards. Foreign customers. iDEAL is a Dutch rail — a German, British, or American buyer pays by card, and those cards climb the ladder: 1,5% EEA, 2,5% UK, 3,15% international, plus 2% if the currency converts.

The practical setup for a Dutch store is therefore iDEAL first for the home market and cards for everyone else — and pricing in euro so conversion stays the buyer's problem. Multi-currency settlement, where you hold payouts in another currency, costs a further 1% of payout volume.

Against PayPal in the Netherlands. PayPal charges Dutch businesses 3,40% + €0,35 — nearly twelve times iDEAL's cost on a €100 sale. The Dutch market is the clearest case in Europe where the local rail is not just cheaper than the American processors but categorically different.

Run your own mix through the Stripe fee calculator, and see how the same euro-area card prices elsewhere in France and Ireland.

Source: Stripe Netherlands pricing (official). Last reviewed August 2026.

Stripe fees in New Zealand

New Zealand businesses sell across the Tasman constantly, and Stripe treats every one of those sales as international. At 3.5% + NZ$0.30 against a domestic 2.65%, the neighbouring market is the most expensive customer base most Kiwi sellers have — and almost none of them price for it. Here are the 2026 rates.

Domestic, international, and conversion. Stripe New Zealand charges 2.65% + NZ$0.30 on a card issued in New Zealand, and 3.5% + NZ$0.30 on any card issued abroad. If the currency also has to be converted, add 2%.

In-person payments through Stripe Terminal start at 2.6% + NZ$0.05 for domestic cards — the fixed component drops from 30 cents to 5, which is what makes counter sales cheap on small tickets.

Australia is 'international'. This is the line worth internalising. An Australian customer paying with an Australian card is charged at 3.5% + NZ$0.30, exactly like a customer in Germany or Japan. There is no trans-Tasman tier.

For a business doing 40% of its revenue in Australia, the blended rate is 3.0%, not 2.65% — and if those sales are priced and settled in Australian dollars, the 2% conversion takes it past 3.8%.

The fix is the same one that works everywhere: price in New Zealand dollars and let the Australian buyer's bank convert. That removes the 2% without touching the 3.5%, which is not negotiable.

New Zealand against Australia on the same platform. It is worth knowing that Stripe's Australian rates sit below New Zealand's, which occasionally prompts NZ businesses to consider an Australian entity. Rarely worth it: an Australian entity turns your New Zealand customers into the international tier instead, and adds a second set of compliance obligations to save fractions of a point.

For the Australian side of the comparison see Stripe fees in Australia. If Australian revenue is a large and growing share, the question worth asking is not which entity but how you are converting — compare the spread in the Wise fee calculator.

What a typical month costs. An NZ store doing NZ$25,000 a month across 250 orders, 70% domestic and 30% Australian, priced in NZD: about NZ$463 in domestic fees and NZ$278 on the Australian share — NZ$741, or 3.0% of revenue.

Priced in Australian dollars instead, the conversion adds roughly NZ$150 a month. That is NZ$1,800 a year for a convenience that Australian buyers, who are used to seeing NZD prices, generally do not require.

Source: Stripe New Zealand pricing (official). Last reviewed August 2026.

Stripe fees in Singapore

Singapore has one of the highest Stripe card rates of any developed market — and one of the cheapest alternatives sitting right next to it in the same dashboard. Most Singapore businesses pay 3.4% because nobody told them PayNow costs 1.3%. Here are the 2026 numbers.

Card rates: 3.4% + S$0.50. Stripe charges 3.4% plus a fixed S$0.50 per successful card transaction in Singapore. On S$100 that is S$3.90; on S$1,000, S$34.50.

For comparison, the same transaction costs 2.9% + 30¢ in the US and 1.5% + 20p in the UK. Singapore's rate is high because card interchange there is uncapped, not because Stripe prices the market differently.

PayNow at 1.3% — the line most merchants miss. Stripe supports PayNow transfers in Singapore at 1.3% per successful transfer, with no fixed fee. On the same S$100 sale that is S$1.30 against S$3.90 by card — a two-thirds saving, on a payment method almost every Singaporean already uses.

The saving scales without limit because there is no fixed component: on S$10,000 of monthly sales, moving half of them to PayNow saves about S$105 a month; on S$100,000, more than S$1,000.

International cards and conversion. A card issued outside Singapore adds 0.5%, taking the rate to 3.9% + S$0.50. If Stripe also has to convert the currency, add a further 2%, for 5.9% + S$0.50.

The 0.5% international surcharge is mild by Stripe's standards; the 2% conversion is not. As everywhere, pricing in your own currency and letting the buyer's bank convert avoids it entirely.

What this means in practice. For a Singapore business, the fee strategy is unusually clear-cut: offer PayNow prominently at checkout for local customers, keep cards for everyone else, and price in Singapore dollars.

A store doing S$30,000 a month with a 50/50 split between PayNow and cards pays roughly S$705 in Stripe fees. The same store card-only pays about S$1,170. That difference is a part-time salary, and it costs one checkout setting to capture.

Source: Stripe Singapore pricing (official). Last reviewed August 2026.

Stripe fees in Switzerland

Cross the border from Germany into Switzerland and the same Stripe transaction nearly doubles in price: 1,5% becomes 2,9%. The reason is regulatory, not commercial — Switzerland sits outside the EU interchange cap — and it makes Swiss payment strategy look very different from its neighbours'. Here are the 2026 numbers.

The rate card. Stripe Switzerland charges 2,9% + CHF 0.30 on domestic cards online and 3,25% + CHF 0.30 on international ones, with 2% added where currency conversion is required.

In person the picture inverts dramatically: EEA cards on Stripe Terminal cost 1,4% + CHF 0.10 — less than half the online rate — and non-EEA cards 2,9% + CHF 0.10.

Why Switzerland costs double its neighbours. An EU business pays Stripe 1,5% + €0,25 on an EEA card because European interchange is capped by regulation at 0,2–0,3%. Switzerland is not in the EU, the cap does not apply, and Swiss interchange — and therefore Stripe's rate — is roughly double.

This is the same pattern as Singapore, Hong Kong, and Brazil: the processor's margin barely changes between markets, but the regulated floor underneath it does. Nothing a Swiss merchant negotiates will move it.

The in-person rate is the quiet opportunity. At 1,4% + CHF 0.10 for EEA cards, Stripe's Swiss in-person rate is cheaper than its own online rate by more than half — and cheaper than most Swiss acquirers' terminal pricing.

For hybrid businesses — a shop with a webstore, a market stall, a service business that can take payment on site — routing whatever volume can plausibly happen in person through Terminal is worth real money: on CHF 20.000 a month of mixed volume, an extra 30% shifted in-person saves roughly CHF 1.200 a year.

Getting paid from abroad. Swiss businesses invoice across borders constantly, and the euro corridor is the one to optimise. SEPA Direct Debit at a flat CHF 0.40 is by far the cheapest rail for recurring EU clients — on a CHF 2.000 invoice it costs 0,02% where a card costs 3,25%.

For one-off foreign payments, price in francs where the client accepts it (conversion stays their problem), and compare what a specialist provider charges on the same amount in the Wise fee calculator. For the neighbouring picture, see Stripe fees in Germany and France.

Source: Stripe Switzerland pricing (official). Last reviewed August 2026.

Stripe fees in United Arab Emirates

Stripe's UAE pricing is unusually simple by its own standards — one domestic rate, one international surcharge, one conversion fee — but the fixed AED 1.00 per transaction reshapes the economics of anything cheap. Here are the 2026 numbers and where they bite.

The three rates that make up every UAE fee. Everything Stripe charges a UAE business on a card payment is built from these three lines, and they stack:

So a UAE customer paying with a UAE card in dirhams costs 2.9% + AED 1.00. A tourist paying with a European card in dirhams costs 3.9% + AED 1.00. A customer abroad paying in euros costs 4.9% + AED 1.00.

The AED 1.00 fixed fee decides your small-order pricing. The percentage is the same on every order; the fixed dirham is not. Its weight falls as the order grows, and on small baskets it dominates the bill entirely.

At AED 20 the effective rate is 7.9% — nearly three times the headline. This is the arithmetic behind the minimum-order thresholds you see across UAE e-commerce, and it is why bundling low-value items into one order is worth more than any discount negotiation.

Selling to customers abroad. The UAE international surcharge is 1% — notably gentler than Stripe's UK ladder, where a non-EEA card costs more than double the domestic rate. For a Dubai business selling into Europe or Asia, the cross-border penalty is genuinely small.

Conversion is the part worth planning around. Pricing in dirhams and letting the customer's own bank convert avoids Stripe's 1% entirely; pricing in the customer's currency costs you that 1% on every order. On AED 500,000 of annual foreign sales that is AED 5,000 for a convenience most customers never asked for.

Stripe against PayPal in the UAE. The comparison most UAE businesses actually face is Stripe against PayPal, and the gap is wide. Stripe's 2.9% + AED 1.00 sits well below PayPal's UAE commercial rate, and the difference widens further on cross-border sales because PayPal's surcharge ladder is steeper.

The full PayPal side is in PayPal fees in the UAE. The short version: use Stripe as the default checkout, keep PayPal available for buyers who insist on it, and price the difference in rather than absorbing it.

Source: Stripe UAE pricing (official). Last reviewed August 2026.

Stripe fees in United Kingdom

Stripe is cheaper in the UK than in the US — meaningfully so on UK cards — but the rate ladder is sharper. Pay the wrong attention and an EU customer can quietly cost you twice as much as a UK one. Here is the full 2026 picture for UK Stripe sellers.

UK domestic cards: 1.5% + 20p. Stripe's headline UK rate is 1.5% + £0.20 per successful card payment when the buyer's card is issued in the UK. That is roughly half of the US rate of 2.9% + $0.30, because UK and EU interchange is capped by regulation.

On a £100 sale, Stripe takes £1.70 (£1.50 + £0.20). On £1,000, it takes £15.20. This rate covers Visa, Mastercard, and Apple/Google Pay funded by UK cards.

EEA / EU cards: 2.5% + 20p (since 2021). Since Brexit took effect on 1 January 2021, Stripe UK treats EU-issued cards as international rather than domestic. A buyer paying with a German, French, or Irish card costs you 2.5% + £0.20 — a full percentage point more than a UK customer.

If a meaningful share of your traffic is EU-based, build that 1 percentage-point gap into your pricing. Many UK sellers do not realise they are absorbing it on every continental order.

International (non-EEA) cards: 3.25% + 20p. US, Canadian, Australian, or other non-EEA cards cost 3.25% + £0.20 — more than double the UK rate. On a £200 international sale, that is £6.70 in fees vs £3.20 from a UK card.

International orders also commonly require 3-D Secure / SCA verification, which is included in the rate. There is no additional fee for it.

Currency conversion: an extra 2%. If you charge a buyer in USD or EUR (not GBP), Stripe converts to GBP for payout at its mid-market rate plus a 2% currency conversion fee. That is double the US Stripe's 1% conversion fee.

For UK sellers serving global audiences, sticking with GBP-priced products and letting Stripe present localised prices is usually cheaper than charging in foreign currencies and converting back.

Bacs Direct Debit: the cheapest option for B2B. For UK-to-UK B2B invoices and subscriptions, Stripe supports Bacs Direct Debit at 1% + £0.20, capped at £4 per transaction. That cap makes Bacs dramatically cheaper than cards on invoices above ~£300.

On a £2,000 invoice, Bacs costs £4 vs £30.20 by card. Worth quietly offering as a payment option for larger clients.

The VAT trap nobody explains. Stripe's fees are a service and attract VAT at the standard UK rate (20%). So a £15 Stripe fee actually costs your business £18 once VAT is applied. If you are VAT-registered, you reclaim the £3 on your quarterly return — but if you are not, it is a real extra 20% on top of every fee.

Many small UK sellers below the VAT threshold are surprised by this on their first big month. Factor it in when comparing Stripe to PayPal (whose fees are also subject to VAT for UK merchants).

Source: Stripe UK pricing (official). Last reviewed August 2026.

How to use this page

Find your country below, then use the Stripe fee calculator with your own rate. For the dated record of Stripe's US pricing since 2011 see the Stripe fee history; for the ranked table across providers see the Global Fee Index.

Frequently asked questions

Which country has the cheapest Stripe fees?

The UK and the eurozone, at about 1.5% plus a small fixed fee for domestic consumer cards, because interchange is capped by law there. Brazil (3.99%), Singapore and Hong Kong (3.4%) are the most expensive markets we track.

Can I use Stripe's UK rate from another country?

No. The rate card follows the country where your Stripe account and business are registered, and Stripe verifies both. A UK-registered company with real substance there can, but that is a question of company structure, not account settings.

Are Stripe's rates the same for all card types?

Not everywhere. Several countries price business or premium cards higher than consumer cards, and all add a surcharge for cards issued in another country. The sections below state each country's published tiers.

Sources

• Stripe Australia pricing (official)
• Stripe Brazil pricing (official)
• Stripe Canada pricing (official)
• Stripe France pricing (official)
• Stripe Germany pricing (official)
• Stripe Hong Kong pricing (official)
• Stripe India pricing (official)
• Stripe Ireland pricing (official)
• Stripe Japan pricing (official)
• Stripe Malaysia pricing (official)
• Stripe Mexico pricing (official)
• Stripe Netherlands pricing (official)
• Stripe New Zealand pricing (official)
• Stripe Singapore pricing (official)
• Stripe Switzerland pricing (official)
• Stripe UAE pricing (official)
• Stripe UK pricing (official)

Related calculators

• Stripe Fee Calculator
• PayPal Fee Calculator
• Square Fee Calculator
• Compare all platforms