Stripe Fees in Canada (2026): What Canadian Sellers Pay

By the Profitvana Editorial Team · Updated August 2026

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.

Frequently asked questions

How much does Stripe charge in Canada?

2.9% + C$0.30 for Canadian-issued cards (C$3.20 on a C$100 sale), plus a 1.5% surcharge for international cards (effectively 4.4% + C$0.30), plus GST/HST on the fees by province.

What is the cheapest Stripe payment method in Canada?

Interac Online — 1% + C$0.30, about a third of the card rate for domestic payments, and nearly every Canadian buyer can use it with no setup.

Does Stripe charge GST/HST on fees in Canada?

Yes, by province — from 5% GST in Alberta up to 15% HST in the Atlantic provinces. Registered businesses reclaim it as an input tax credit; below the C$30,000 threshold it is a real extra cost.

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 Canada pricing (official)