Stripe • Global
Stripe Fee Comparison by Region: US vs. UK, EU, Canada, and Australia (2026 Schedule)
📌 Key Takeaways & Executive Summary
- European Union and UK merchants benefit from statutory interchange fee caps, resulting in standard domestic rates of 1.5% + 20p / €0.25.
- US and Canadian merchants pay higher rates (2.9% + $0.30) due to unregulated card issuer interchange revenue models.
- Australia enjoys lower domestic debit card rates starting at 1.75% + A$0.30.
- Multinational brands can cut processing overhead by incorporating legal operating entities within the EU/UK.
If your company operates globally, paying the standard United States rate of 2.9% + $0.30 across all markets is leaving substantial profit on the table. Due to government regulations on interchange fees—the underlying toll that card-issuing banks charge processors—Stripe’s domestic rates vary dramatically from country to country.
Why Does the European Union Pay Less Than Half?
Under the European Union Interchange Fee Regulation (IFR), interchange fees on consumer debit cards are capped at 0.2% and consumer credit cards at 0.3%. In contrast, US credit card interchange fees routinely range between 1.5% and 2.6% for premium rewards cards.
| Country / Region | Domestic Standard Rate | International Card Rate | Fee on $1,000 Transaction |
|---|---|---|---|
| United States (US) | 2.90% + $0.30 | 3.90% + $0.30 | $29.30 |
| United Kingdom (UK) | 1.50% + £0.20 | 2.50% + £0.20 | ~$15.25 |
| European Union (EU) | 1.50% + €0.25 | 2.50% + €0.25 | ~$15.27 |
| Canada (CA) | 2.90% + $0.30 CAD | 3.50% + $0.30 CAD | ~$29.22 |
| Australia (AU) | 1.75% + A$0.30 | 2.90% + A$0.30 | ~$17.70 |
Compare Regional Stripe Rates Online
Switch country selectors in our Stripe Fee Calculator to instantly compare US, UK, EU, Canada, and Australia fee deductions.
📚 Official Sources & Documentation