Stripe Fees in Hong Kong (2026): The HK$2.35 Problem

By the Profitvana Editorial Team · Updated August 2026

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.

Payment	Rate	Fee on HK$500
Hong Kong card	3.4% + HK$2.35	HK$19.35
International card	3.9% + HK$2.35	HK$21.85
International, converted	5.9% + HK$2.35	HK$31.85

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.

Sale	Stripe fee	Effective rate
HK$30	HK$3.37	11.2%
HK$100	HK$5.75	5.8%
HK$300	HK$12.55	4.2%
HK$1,000	HK$36.35	3.6%
HK$5,000	HK$172.35	3.4%

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.

Market	Domestic card rate	Fixed fee
Hong Kong	3.4%	HK$2.35
Singapore	3.4%	S$0.50
Japan	3.6%	None
Malaysia	3%	RM1.00

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.

Frequently asked questions

How much does Stripe charge in Hong Kong?

3.4% plus a fixed HK$2.35 per successful transaction on a Hong Kong-issued card. International cards add 0.5% and currency conversion adds 2%.

Why is my effective Stripe rate so much higher than 3.4%?

The HK$2.35 fixed fee. On a HK$30 sale it makes the effective rate 11.2%, and on HK$100 it is 5.8%. Only above roughly HK$1,000 does the effective rate approach the headline.

How does Hong Kong compare with Singapore and Japan on Stripe?

All three sit near 3.4–3.6% on the percentage. The difference is the fixed fee: Japan has none, Singapore charges S$0.50, and Hong Kong charges HK$2.35 — so small orders are cheapest in Japan and dearest in Hong Kong.

What does an international card cost on Stripe Hong Kong?

3.9% + HK$2.35 — the domestic 3.4% plus a 0.5% surcharge. Add 2% more if the currency is converted, for 5.9% + HK$2.35.

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 Hong Kong pricing (official)