Stripe Fee Calculator Australia 2026
What an Australian business keeps from a Stripe card payment, in Australian dollars.
Fees verified 20 Oct 2026
Where every fee comes from
Each line links to the Stripe page we checked on 20 Oct 2026.
- Domestic card2.9% + $0.30
- International card4.4% + $0.30
- ACH Direct Debit0.8%, cap $5.00
- Currency conversion+1%
- Instant payout1.5%, min $0.50
- Dispute received$15
- Standard UK card1.5% + £0.20
- Premium UK card2.8% + £0.20
- EEA card2.5% + £0.20
- International card3.15% + £0.20
- Bacs Direct Debit1%, min £0.20, cap £4.00
- Currency conversion+2%
- Instant payout1%, min £0.40
- Dispute received£20
- Standard EEA card1.5% + €0.25
- Premium EEA card2.8% + €0.25
- UK card2.5% + €0.25
- International card3.15% + €0.25
- SEPA Direct Debit€0.35
- Currency conversion+2%
- Instant payout1%, min €0.50
- Dispute received€20
- Standard EEA card1.5% + €0.25
- Premium EEA card2.8% + €0.25
- UK card2.5% + €0.25
- International card3.15% + €0.25
- SEPA Direct Debit€0.35
- Currency conversion+2%
- Instant payout1%, min €0.50
- Dispute received€20
- Standard EEA card1.5% + €0.25
- Premium EEA card2.8% + €0.25
- UK card2.5% + €0.25
- International card3.15% + €0.25
- SEPA Direct Debit€0.35
- Currency conversion+2%
- Instant payout1%, min €0.50
- Dispute received€20
- Domestic card2.9% + CA$0.30
- International card3.7% + CA$0.30
- Pre-authorised debit1% + CA$0.40, cap CA$5.00
- Currency conversion+2%
- Instant payout1%, min CA$0.60
- Dispute receivedCA$15
- Domestic card1.65% + A$0.30
- International card3.5% + A$0.30
- PayTo or BECS Direct Debit1% + A$0.30, cap A$3.50
- Currency conversion+2%
- Instant payout1.5%, min A$0.50
- Dispute receivedA$25
- Domestic card3.4% + S$0.50
- International card3.9% + S$0.50
- PayNow1.3%
- Currency conversion+2%
- Instant payout1%, min S$0.50
- Dispute receivedS$15
- PaymentA$100.00
- Percent fee-A$1.65
- Fixed fee-A$0.30
- You keepA$98.05
- Standard payouts are free. An instant payout costs extra.
- Stripe's Australian fees include GST.
- If you refund a payment, Stripe does not return the processing fees from the original payment.
Rounded per fee.
You keep A$98.05, margin 98%
How Stripe fees work in Australia in 2026
Stripe charges 1.65% + A$0.30 on an Australian domestic card and 3.5% + A$0.30 on an international one, with 2% more for currency conversion. Stripe says its Australian fees include GST. The international rate falls to 2.8% + A$0.30 on 1 April 2027.
- Payment
- A$100.00
- Stripe fees
- -A$1.951.9% of the payment
- Your costs
- -A$0.00your costs
- You keep
- A$98.0598.05% margin
That is a payment of A$100 on the domestic card. With the international card you would keep A$96.20.
Full walkthrough
Stripe takes a percent of the amount the customer pays plus a fixed fee for each payment. Each fee is rounded to the smallest unit of AUD on its own, and amounts here are in AUD.
Here is one payment from the calculator above, worked through. A customer pays A$100.00 with the domestic card to a Stripe account in Australia.
- PaymentA$100.00
- Percent fee1.65% of A$100.00-A$1.65
- Fixed feeA$0.30 on each successful payment-A$0.30
- You keepA$98.05
Stripe took A$1.95 in fees, which is 1.9% of the payment. Standard payouts are free. An instant payout of the A$98.05 left would cost A$1.47 more.
Stripe fees in Australia, fee by fee
| Fee | Rate | On A$100 | Notes |
|---|---|---|---|
| Domestic card | 1.65% + A$0.30 | A$1.95 | No conversion fee |
| International card | 3.5% + A$0.30 | A$3.80 | A conversion fee can apply |
| International card from 1 April 2027 | 2.8% + A$0.30 | A$3.10 | Takes effect on that date |
| Currency conversion | +2% | A$2.00 | Added when the customer pays in another currency |
| PayTo or BECS Direct Debit | 1% + A$0.30, cap A$3.50 | A$1.30 | Instead of a card fee, per payment |
| Instant payout | 1.5%, min A$0.50 | A$1.47 | Of the amount paid out. Standard payouts are free |
| Dispute received | A$25 | A$25 | For each dispute you receive |
Standard online pricing from Stripe's Australia page, before any custom pricing. The conversion row is worked out on the international card. Rates are in AUD.
The same kind of payment in Australia and the US
| Australia | United States | |
|---|---|---|
| The payment | A$100 on the domestic card | $100 on the domestic card |
| Home card rate | 1.65% + A$0.30 | 2.9% + $0.30 |
| International card | 3.5% + A$0.30 | 4.4% + $0.30 |
| Currency conversion | +2% | +1% |
| Bank debit | PayTo or BECS Direct Debit: 1% + A$0.30, cap A$3.50 | ACH Direct Debit: 0.8%, cap $5.00 |
| Instant payout | 1.5%, min A$0.50 | 1.5%, min $0.50 |
| Dispute received | A$25 | $15 |
| Stripe fees on the payment | A$1.95 | $3.20 |
| Fees as a share of the payment | 1.9% | 3.2% |
| You keep | A$98.05 | $96.80 |
Each side uses the local starting payment, a round amount that is not a currency conversion of the other, so compare the rates and the share of the payment rather than the totals.
What changed recently
3 updates, 1 upcoming, latest 20 Oct 2026
- Australia: Stripe lowers its international card fee from 3.5% + A$0.30 to 2.80% + A$0.30 (Terminal from 3.5% + A$0.10 to 2.80% + A$0.10).
- Rates re-checked against Stripe's pricing pages for the US, UK, Ireland, Germany, France, Canada, Australia, India and Singapore.
- Australia: Stripe lowered its domestic card fee to 1.65% + A$0.30 online (from 1.70% + A$0.30).
Stripe fees in Australia, answered
How much does Stripe charge in Australia?
On a payment of A$100, a domestic card costs 1.65% + A$0.30, which is A$1.95, so you keep A$98.05. An international card costs 3.5% + A$0.30, which is A$3.80. Stripe says its Australian fees include GST. Standard payouts to your bank are free.
What changes in Stripe fees in Australia on 1 April 2027?
On 1 April 2027 Stripe lowers its international card fee from 3.5% + A$0.30 to 2.8% + A$0.30 for Australian businesses on standard pricing. On a payment of A$100 that moves the fee from A$3.80 to A$3.10. The domestic card fee already fell to 1.65% + A$0.30 on 1 October 2026. The calculator shows today's rates until the change takes effect.
Does the Stripe fee in Australia include GST?
Stripe's Australian pricing page says its fees include GST, so the rates here are the amounts taken from your payment and no GST is added on top. If you are registered for GST, how you claim it is a question for your accountant.
Does Stripe charge for currency conversion in Australia?
Stripe adds 2% when a payment needs currency conversion, which the calculator offers on international cards. An international card with conversion on A$100 costs A$5.80 (A$3.80 card fee plus A$2.00 conversion). A domestic card shows no conversion fee.
How much is PayTo or BECS Direct Debit on Stripe in Australia?
PayTo or BECS Direct Debit is 1% + A$0.30, cap A$3.50. That is A$1.30 on A$100 and A$3.50 on A$1,000 because of the cap, where a domestic card would cost A$16.80.
How much does a Stripe instant payout cost in Australia?
An instant payout is 1.5% of the amount paid out, with a A$0.50 minimum. Pay out the A$98.05 left from a domestic payment of A$100 and the fee is A$1.47. Standard payouts are free.
What is the Stripe dispute fee in Australia?
Stripe charges A$25 for each dispute you receive. On a domestic payment of A$100 that takes what you keep from A$98.05 to A$73.05 before the disputed payment itself, which is held and lost unless you win. Responding manually adds a countered fee of the same amount, returned if you win.
How much should I charge to keep a set amount after Stripe fees in Australia?
To keep A$100 from a domestic card, charge A$101.98. From an international card with currency conversion, charge A$106.13. Switch the calculator to Find price and it solves this for any card, debit, payout or dispute.
Sources and methodology
How we checked every number
Every number on this page comes from one data file, checked against Stripe's own Australia pricing page on 20 Oct 2026. The calculator, the worked example, the tables and the FAQ all read from it, so they cannot disagree.
Fees are rounded one at a time. Where Stripe's page was unclear or we could not confirm a rate, we left the option out instead of guessing.
What we could not confirm or do not model
- Stripe shows pricing by the visitor's location, and the US page was read with the country set to the United States. A visitor in another country may see a different page.
- Stripe does not say how it rounds each fee. The calculator rounds each fee half-up to the cent. Stripe's UK page calls its accelerated checkout "Onelink" in places, at the same rates as cards.
- Where a card has an international surcharge it is shown as its own line on top of the domestic rate, as Stripe lists it. Where Stripe lists a separate total rate, that rate is used.
- An instant payout fee is worked out on the amount paid out. The calculator assumes you pay out this payment's net amount after processing fees, in the same currency.
- A dispute adds Stripe's dispute received fee. If you respond manually there is a countered fee of the same amount, which Stripe returns when you win. The disputed amount itself and the optional Smart Disputes fee are not modelled.
- Manually entered cards, in-person Terminal and Tap to Pay, Klarna and other local methods, Stripe Billing, Tax, Invoicing, Connect and Managed Payments have their own rates and are not modelled.
- Stripe's Australian fees include GST.