Stripe Fees in Mexico (2026): Cards, Transfers, and the Fixed Peso

By the Profitvana Editorial Team · Updated August 2026

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.

Payment method	Rate	Fee on MXN 500
Domestic card	3.6% + MXN 3.00	MXN 21.00
International card	4.1% + MXN 3.00	MXN 23.50
International card, converted	6.1% + MXN 3.00	MXN 33.50
Bank debit / transfer	4% + MXN 3.00	MXN 23.00

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.

Sale	Stripe fee	Effective rate
MXN 100	MXN 6.60	6.6%
MXN 300	MXN 13.80	4.6%
MXN 1,000	MXN 39.00	3.9%
MXN 5,000	MXN 183.00	3.7%

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.

Frequently asked questions

How much does Stripe charge in Mexico?

3.6% + MXN 3.00 per successful domestic card transaction. International cards add 0.5%, currency conversion adds 2%, and local bank debits or transfers cost 4% + MXN 3.00.

Why do bank transfers cost more than cards on Stripe Mexico?

Local payment methods are priced at 4% + MXN 3.00 against 3.6% + MXN 3.00 for domestic cards. Mexico is unusual in this — in most markets bank-based methods are the cheapest option available.

What does an international card cost on Stripe Mexico?

4.1% + MXN 3.00 — the domestic 3.6% plus a 0.5% international surcharge. Add 2% more if the currency is converted, taking it to 6.1% + MXN 3.00.

Is Stripe cheaper than PayPal in Mexico?

On a domestic sale, yes: 3.6% + MXN 3.00 against PayPal's 3.95% + MXN 4.00. The gap is wider on foreign currency, where Stripe converts at 2% and PayPal at 3.5%.

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 Mexico pricing (official)