Stripe Fee Calculator Canada 2026
What a Canadian business keeps from a Stripe card payment, in Canadian 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
- PaymentCA$100.00
- Percent fee-CA$2.90
- Fixed fee-CA$0.30
- You keepCA$96.80
- Standard payouts are free. An instant payout costs extra.
- If you refund a payment, Stripe does not return the processing fees from the original payment.
Rounded per fee.
You keep CA$96.80, margin 97%
How Stripe fees work in Canada in 2026
Stripe charges 2.9% + CA$0.30 on a Canadian domestic card. International cards add 0.8%, and currency conversion adds 2% more where it applies. Pre-authorised debits have their own fee with a cap.
- Payment
- CA$100.00
- Stripe fees
- -CA$3.203.2% of the payment
- Your costs
- -CA$0.00your costs
- You keep
- CA$96.8096.80% margin
That is a payment of CA$100 on the domestic card. With the international card you would keep CA$96.00.
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 CAD on its own, and amounts here are in CAD.
Here is one payment from the calculator above, worked through. A customer pays CA$100.00 with the domestic card to a Stripe account in Canada.
- PaymentCA$100.00
- Percent fee2.9% of CA$100.00-CA$2.90
- Fixed feeCA$0.30 on each successful payment-CA$0.30
- You keepCA$96.80
Stripe took CA$3.20 in fees, which is 3.2% of the payment. Standard payouts are free. An instant payout of the CA$96.80 left would cost CA$0.97 more.
Stripe fees in Canada, fee by fee
| Fee | Rate | On CA$100 | Notes |
|---|---|---|---|
| Domestic card | 2.9% + CA$0.30 | CA$3.20 | A conversion fee can apply |
| International card | 3.7% + CA$0.30 | CA$4.00 | A conversion fee can apply |
| Currency conversion | +2% | CA$2.00 | Added when the customer pays in another currency |
| Pre-authorised debit | 1% + CA$0.40, cap CA$5.00 | CA$1.40 | Instead of a card fee, per payment |
| Instant payout | 1%, min CA$0.60 | CA$0.97 | Of the amount paid out. Standard payouts are free |
| Dispute received | CA$15 | CA$15 | For each dispute you receive |
Standard online pricing from Stripe's Canada page, before any custom pricing. The conversion row is worked out on the domestic card. Rates are in CAD.
The same kind of payment in Canada and the US
| Canada | United States | |
|---|---|---|
| The payment | CA$100 on the domestic card | $100 on the domestic card |
| Home card rate | 2.9% + CA$0.30 | 2.9% + $0.30 |
| International card | 3.7% + CA$0.30 | 4.4% + $0.30 |
| Currency conversion | +2% | +1% |
| Bank debit | Pre-authorised debit: 1% + CA$0.40, cap CA$5.00 | ACH Direct Debit: 0.8%, cap $5.00 |
| Instant payout | 1%, min CA$0.60 | 1.5%, min $0.50 |
| Dispute received | CA$15 | $15 |
| Stripe fees on the payment | CA$3.20 | $3.20 |
| Fees as a share of the payment | 3.2% | 3.2% |
| You keep | CA$96.80 | $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
1 updates, latest 20 Oct 2026
- Rates re-checked against Stripe's pricing pages for the US, UK, Ireland, Germany, France, Canada, Australia, India and Singapore.
Stripe fees in Canada, answered
How much does Stripe charge in Canada?
On a payment of CA$100, a domestic card costs 2.9% + CA$0.30, which is CA$3.20, so you keep CA$96.80. An international card costs 3.7% + CA$0.30, which is CA$4.00. Standard payouts to your bank are free.
How much more do international cards cost on Stripe in Canada?
Stripe adds 0.8% for cards issued outside Canada, on top of the 2.9% + CA$0.30 domestic rate. On CA$100 that is CA$0.80 extra, so you keep CA$96.00 instead of CA$96.80. Stripe marks this surcharge with an asterisk whose footnote we could not read, so check it on your own account.
Does Stripe charge for currency conversion in Canada?
Stripe adds 2% when a payment needs currency conversion, for example when a US customer pays in US dollars and you are paid in Canadian dollars. An international card with conversion on CA$100 costs CA$6.00 (CA$4.00 card fee plus CA$2.00 conversion). The calculator offers the toggle on both card types.
How much is a pre-authorised debit on Stripe in Canada?
Pre-authorised debit is 1% + CA$0.40, cap CA$5.00. That is CA$1.40 on CA$100 and CA$5.00 on CA$1,000 because of the cap, where a domestic card would cost CA$29.30. Stripe also charges CA$1.00 per instant verification and CA$5.00 for failures and disputes on pre-authorised debits. Neither is included.
How much does a Stripe instant payout cost in Canada?
An instant payout is 1% of the amount paid out, with a CA$0.60 minimum. Pay out the CA$96.80 left from a domestic payment of CA$100 and the fee is CA$0.97. Standard payouts are free.
What is the Stripe dispute fee in Canada?
Stripe charges CA$15 for each dispute you receive. On a domestic payment of CA$100 that takes what you keep from CA$96.80 to CA$81.80 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 Canada?
To keep CA$100 from a domestic card, charge CA$103.30. From an international card with currency conversion, charge CA$106.36. 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 Canada 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.
- Canada and Singapore list their international card surcharge (0.8% and 0.5%) with an asterisk whose footnote was not in the page text we read. India lists its domestic card rate with the same kind of asterisk.
- 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.