Stripe Fee Calculator Australia (2026 Updated Rates)
Stripe Australia charges just 1.7% + A$0.30 for domestic cards — one of the cheapest Stripe rates worldwide. International cards cost 3.5% + A$0.30 and currency conversion adds 2%.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Stripe (this page) | $2.00 | $98.00 | baseline | |
| Wise | $0.93 | $99.07 | +$1.07 More 🟢 | PK → |
| Square | $3.20 | $96.80 | −$1.20 Less 🔻 | PK → |
| PayPal | $3.98 | $96.02 | −$1.98 Less 🔻 | PK → |
| Lemon Squeezy | $5.50 | $94.50 | −$3.50 Less 🔻 | PK → |
| Paddle | $5.50 | $94.50 | −$3.50 Less 🔻 | PK → |
| Gumroad | $13.70 | $86.30 | −$11.70 Less 🔻 | PK → |
SaaS billing vs Merchant-of-Record break-even
| Provider | Monthly | Annual | Eff. rate | vs cheapest |
|---|---|---|---|---|
| Stripe (+ Billing & Tax)CHEAPEST | $515.00 | $6,180.00 | 5.15% | — |
| Polar.sh | $575.00 | $6,900.00 | 5.75% | +$60.00/mo |
| Paddle | $600.00 | $7,200.00 | 6.00% | +$85.00/mo |
| Lemon Squeezy | $710.00 | $8,520.00 | 7.10% | +$195.00/mo |
| Gumroad | $1,450.00 | $17,400.00 | 14.50% | +$935.00/mo |
Stripe fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.47 | $9.53 | 4.7% | $10.48 |
| $25.00 | $0.73 | $24.27 | 2.9% | $25.74 |
| $50.00 | $1.15 | $48.85 | 2.3% | $51.17 |
| $100.00 | $2.00 | $98.00 | 2.0% | $102.04 |
| $250.00 | $4.55 | $245.45 | 1.8% | $254.63 |
| $500.00 | $8.80 | $491.20 | 1.8% | $508.96 |
| $1,000.00 | $17.30 | $982.70 | 1.7% | $1,017.60 |
Stripe fee formula & hidden costs
payment processing 1.70% + A$0.30
Worked example: $100.00 gross → $2.00 fees → $98.00 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $102.04.
Hidden fees to watch
- International cards add +1.5% in the US — a $1,000 foreign card charge costs an extra $15.
- Currency conversion adds +1% (US) or +2% (UK/EU/CA/AU) on top of the card rate.
- Stripe does not refund the processing fee on refunds — refund a $100 charge and the $3.20 fee is gone for good.
- Stripe Invoicing (+0.4%), Billing subscriptions (+0.7%) and Radar/risk tools stack on top of the headline 2.9%.
- Instant Payouts cost an extra 1% of the payout amount (minimum $0.50).
How to pay less in Stripe fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Wise Business — Multi-currency business account with mid-market FX rates.
Frequently asked questions
What is the Stripe fee on a A$100 sale in Australia (A$)?
On a $100.00 sale, Stripe deducts $2.00 total fees, leaving $98.00 — an effective take rate of 2.0%.
How much should I charge to receive exactly A$100 after Stripe fees?
Charge $102.04: the $2.04 fee leaves exactly $100.00 net. Use the reverse tab above for any target.
What is the Stripe fee formula in Australia (A$)?
payment processing 1.70% + A$0.30. 1.7% + A$0.30 (intl 3.5%). All figures verified 2026-11-10 against the official pricing page.
Does Stripe refund fees when a buyer is refunded?
No — Stripe keeps the original processing fee on refunds, so a full refund on a $100.00 sale costs you about $2.00.