Stripe fees by seller country
Where your Stripe account is registered changes every number: a US account pays 2.9% + 30¢ domestic with +1.5% for international cards and +1% FX; an Australian account pays 1.7% + A$0.30 domestic but a steep 3.5% for international cards and 2% FX; EEA accounts (Ireland, Germany, France) start at just 1.5% + €0.25 for local cards but climb to 3.25% for international; Singapore starts at 3.4% + S$0.50. The table below is the full picture, every row cited to Stripe's official per-country pricing page — check your country before modeling margins, because 'Stripe is 2.9%' is only true in America.
| Seller country | Card rates (official) | Currency conversion | Dispute fee |
|---|---|---|---|
| United States | 2.9% + $0.30 | +1% (per US pricing page) | $15 received + $15 countered (returned if won) |
| United Kingdom | 1.5% + £0.20 (standard UK) up to 3.25% + £0.20 (international) | +2% | £20 |
| Canada | 2.9% + CA$0.30 | +2% | CA$15 |
| Australia | domestic 1.7% + A$0.30; international 3.5% + A$0.30 | 2% | A$25.00 received + A$25.00 countered |
| New Zealand | domestic 2.65% + NZ$0.30; international 3.5% + NZ$0.30 | 2% | NZ$25.00 received + NZ$25.00 countered |
| Ireland | EEA standard 1.5% + EUR0.25; EEA premium 1.9% + EUR0.25; UK 2.5% + EUR0.25; international 3.25% + EUR0.25 | 2% | EUR20.00 received + EUR20.00 countered |
| Germany | EEA standard 1.5% + EUR0.25; EEA premium 1.9% + EUR0.25; UK 2.5% + EUR0.25; international 3.25% + EUR0.25 | 2% | EUR20.00 received + EUR20.00 countered |
| France | EEA standard 1.5% + EUR0.25; EEA premium 1.9% + EUR0.25; UK 2.5% + EUR0.25; international 3.25% + EUR0.25 | 2% | EUR20.00 received + EUR20.00 countered |
| Singapore | domestic 3.4% + S$0.50; international +0.5% | 2% | S$15.00 received + S$15.00 countered |
What the per-country spread means for cross-border sellers
The pattern worth noticing: countries with cheap domestic rates charge brutal international surcharges. An Irish account processing an American card pays 3.25% + €0.25 plus 2% conversion — more than double its domestic rate. If most of your buyers are foreign, your effective Stripe rate is the international column, not the headline one, and a US entity (2.9% + 1.5% intl + 1% FX) can beat an EEA entity (1.5% base but 3.25% intl + 2% FX) despite the worse-looking domestic rate.
Company location is a real lever here: where you incorporate decides which Stripe fee table you live on, alongside everything else it decides (tax, banking, marketplace eligibility). That's a professional-review decision — but walk in knowing the fee tables.
Common questions
- Can I just open a Stripe account in the cheapest country?
- Stripe requires a real business presence in the account country. Choosing where to incorporate involves tax and legal consequences far beyond payment fees — treat the table as one input, and get professional advice for the entity decision.
- Why is the US the only country with +1% conversion?
- Per Stripe's own pricing pages: the US page states +1% for currency conversion; the UK, Canada, and the other countries verified here state +2%.
Official sources behind these numbers
- Stripe US standard online card rate: 2.9% + 30¢ per successful transaction for domestic cards Stripe · verified 2026-07-21
- Stripe UK rates: 1.5% + 20p UK standard cards; 1.9% + 20p UK premium cards; 2.5% + 20p EEA cards; 3.25% + 20p international cards; +2% if currency conversion is required Stripe · verified 2026-07-21
- Stripe Canada rates: 2.9% + CA$0.30 domestic cards; +0.8% international cards; +0.5% manually entered; +2% currency conversion; dispute CA$15.00 Stripe · verified 2026-07-21
- Stripe Australia standard pricing: domestic cards 1.7% + A$0.30 per successful transaction; international cards 3.5% + A$0.30 Stripe · verified 2026-07-22
- Stripe Australia dispute fees: A$25.00 per dispute received; A$25.00 per dispute countered manually (countered fee refunded if won) Stripe · verified 2026-07-22
- Stripe New Zealand standard pricing: domestic cards 2.65% + NZ$0.30 per successful transaction; international cards 3.5% + NZ$0.30 Stripe · verified 2026-07-22
- Stripe Ireland standard pricing: standard EEA cards 1.5% + EUR 0.25; premium EEA cards 1.9% + EUR 0.25; UK cards 2.5% + EUR 0.25; international (non-EEA/non-UK) cards 3.25% + EUR 0.25 Stripe · verified 2026-07-22
- Stripe Germany standard pricing: standard EEA (EWR) cards 1.5% + EUR 0.25; premium EEA cards 1.9% + EUR 0.25; UK cards 2.5% + EUR 0.25; international (non-EEA/non-UK) cards 3.25% + EUR 0.25 Stripe · verified 2026-07-22
- Stripe France standard pricing: standard EEA cards 1.5% + EUR 0.25; premium EEA cards 1.9% + EUR 0.25; UK cards 2.5% + EUR 0.25; international (non-EEA/non-UK) cards 3.25% + EUR 0.25 Stripe · verified 2026-07-22
- Stripe Singapore standard pricing: domestic cards 3.4% + S$0.50 per successful transaction; international cards +0.5% surcharge on top of the domestic rate Stripe · verified 2026-07-22
- Stripe Singapore dispute fees: $15.00 per dispute received; $15.00 per dispute countered (refunded if won) Stripe · verified 2026-07-22
- Stripe Ireland dispute fees: EUR 20.00 per dispute received; EUR 20.00 per dispute responded to manually (refunded if won) Stripe · verified 2026-07-22
- Stripe US charges a $15 dispute-received fee per dispute; it is non-refundable even if you win (businesses outside Mexico). Stripe · verified 2026-07-22 · effective 2025-06-01