Stripe Fees in Australia (2026): The Real AUD Rate

By the Profitvana Editorial Team · Updated August 2026

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.

Frequently asked questions

How much does Stripe charge in Australia?

1.75% + A$0.30 for Australian-issued cards (A$2.05 on an A$100 sale) and 3.25% + A$0.30 for international cards — plus 10% GST on every fee.

Does Stripe charge GST in Australia?

Yes — 10% GST is added to every Stripe fee, so a nominal A$2.05 fee costs A$2.26. GST-registered businesses claim it back on their BAS; sellers under the A$75,000 threshold bear it.

What is the cheapest Stripe payment method in Australia?

BECS Direct Debit: 1% + A$0.30, capped at A$3.50 per transaction — dramatically cheaper than cards for B2B invoices above roughly A$200.

Stripe fees in other countries

Stripe prices every market differently — the same sale can cost twice as much depending on where your business is registered. We verify each of these against Stripe’s own published fee page for that country:

Sources

Stripe Australia pricing (official)