Stripe Fee Calculator Australia 2026:
Exact Fees in Australian Dollars (A$)

Every Stripe Fee Australian Businesses Pay in 2026

Australia has a more complex Stripe fee structure than most countries because of two layers: the base processing rate, and 10% GST applied on top of every fee. The table below shows both the advertised rate and the effective rate after GST for Australian-registered businesses.

Rates verified from stripe.com/au/pricing, updated March 2026. GST at 10% is applied on all card processing fees and included in the rates above. Claimable as input tax credit if your business is registered for GST.

GST on Stripe Fees — What Every Australian Business Needs to Know

This is the most misunderstood aspect of Stripe fees in Australia. Unlike the US, UK, or EU, Australia applies 10% GST to all Stripe processing fees. This means the rate you see on Stripe's pricing page is not your actual effective rate.

How GST applies to your Stripe fees

• Stripe charges 10% GST on all card processing fees, BECS fees, and Billing fees
• The GST is listed separately on your monthly Stripe invoice
• If your business is registered for GST (ABN holders with >A$75,000 revenue), you can claim this back as an input tax credit
• If you are not registered for GST, the GST on Stripe fees is an unrecoverable cost

The real cost on a A$1,000 sale

Should you register for GST?

If your business revenue exceeds A$75,000 per year, GST registration is mandatory. Below that, it is optional — but registering means you can claim back the GST on all Stripe fees as an input tax credit, effectively making Stripe 10% cheaper. For most established businesses, the GST reclaim on Stripe fees alone can be worth A$500–A$2,000 per year depending on volume.

BECS Direct Debit — Australia's Cheapest Stripe Payment Method

BECS (Bulk Electronic Clearing System) is Australia's bank-to-bank transfer network — the equivalent of ACH in the US. It is the single cheapest way to accept payments via Stripe in Australia, especially for invoices and recurring billing above A$350.

BECS vs card — savings by transaction size

When to use BECS

• B2B invoicing — Australian businesses commonly accept BECS for business payments
• Subscription billing for AU customers — set up via Stripe's BECS integration
• Any single invoice above A$350 where the saving exceeds the settlement delay

BECS limitations

• Australian customers only — requires an Australian bank account (BSB + account number)
• Settlement takes 3–5 business days — slower than card payments
• Requires customer to provide a Direct Debit Request (DDR) authorisation
• Not suitable for one-time consumer purchases where instant confirmation is expected

Real Examples: What Australian Businesses Actually Pay

Four scenarios covering the main situations Australian Stripe users encounter — from a standard domestic sale to the full cost of accepting payments from US customers.

Example 1 — A$80 ecommerce sale, AU customer (domestic card)

Example 2 — A$80 sale, US customer (international card)

The international card costs A$1.32 more per A$80 sale. For an AU business doing A$50,000/year in US sales, that's over A$800 extra annually in international card surcharges alone.

Example 3 — A$500 B2B invoice, BECS vs card

Example 4 — A$49/month SaaS subscription, Stripe Billing

How Australian Stripe Rates Compare Globally

Australia has the second-lowest Stripe domestic rate in the world after the UK and EU, thanks to Reserve Bank of Australia (RBA) interchange regulation. The RBA caps interchange fees, reducing the base cost that Stripe passes to merchants — similar to the EU's Interchange Fee Regulation but applied domestically.

For the full global comparison, read our Stripe Fees by Country 2026 guide →

How Much Does Stripe Charge Per Transaction in Australia?

Stripe charges 1.75% + A$0.30 per domestic AU card transaction before GST. With 10% GST applied, the effective deduction on a A$100 sale is A$2.26 — not A$2.05. Most AU calculators miss this. Here is the full effective rate by transaction size including GST:

If you are GST-registered (ABN holders with over A$75,000 annual turnover), you can claim the GST component back through your BAS — making the effective cost the pre-GST figures above. Non-GST-registered businesses absorb the full amount including GST.

How to Make Customers Pay Stripe Fees in Australia

Australian businesses can legally pass Stripe's processing fees to customers as a surcharge — but the ACCC (Australian Competition and Consumer Commission) enforces a strict "no more than cost" rule. You cannot surcharge more than your actual Stripe cost.

Is surcharging legal in Australia?

Yes — but your surcharge must not exceed your actual cost of card acceptance. Stripe's domestic rate including GST is approximately 1.925% + A$0.33 per transaction. Charging customers more than this is illegal under Australian consumer law and subject to ACCC fines. The surcharge must also be disclosed clearly at the point of purchase before payment.

How to gross up your price instead

The simpler approach is to build the Stripe fee into your price. Use this formula for AU domestic rates including GST:

Does Stripe take 3% in Australia?

No. Stripe's Australian domestic rate is 1.75% + A$0.30. The effective percentage varies by transaction size — approximately 4.8% on a A$10 sale and around 2.05% on a A$100 sale. Including 10% GST on the fee, the effective rate on a A$100 sale is approximately 2.26% total. Stripe does not charge a flat 3% in Australia — that is the US rate.

How to add a Stripe surcharge fee in Xero (AU)

If you invoice through Xero and want to pass Stripe fees to clients: create a new invoice line item called "Payment processing fee" and set it to the calculated Stripe cost (1.925% + A$0.33 of the invoice total). Apply GST to this line item as it is a service charge. Alternatively, enable Xero's Stripe integration and let Stripe collect payments directly — the fee comes out of the payment before Xero records the net receipt.

Stripe Australia Pricing 2026 — Amex, Payout Fees and Full Rate Card

Stripe Amex fees in Australia

American Express cards processed through Stripe in Australia carry a slightly higher rate than Visa and Mastercard. The Amex rate via Stripe AU is approximately 2.2% + A$0.30 (before GST) — higher than the 1.75% domestic Visa/MC rate. For businesses with a significant Amex customer base, this is worth factoring into pricing.

Stripe payout fees in Australia

Standard payouts to an Australian bank account (BSB + account number) are free on Stripe's standard plan. Stripe pays out on a 2-day rolling basis once your account is verified. Instant Payouts to an eligible Australian debit card are available for a 1% fee (minimum A$1.00). There are no fees for standard bank transfers — only the processing fee at the time of the transaction.

Is there GST on Stripe fees in Australia?

Yes. Stripe applies 10% GST to all its processing fees for Australian-registered businesses. This applies to card processing fees, BECS fees, Stripe Billing fees, and chargeback fees. The GST is itemised separately on your monthly Stripe invoice. GST-registered businesses can reclaim this as an input tax credit. Non-registered businesses cannot.

Stripe fees Australia vs US and UK

What Is Stripe Payments Australia — Stripe vs Square

Stripe Payments is an online and in-person payment processing platform for Australian businesses. It supports card payments, BECS Direct Debit, Afterpay, PayTo, and international payments in 135+ currencies. Stripe deducts its fee from each transaction and pays out the net amount to your Australian bank account on a rolling schedule.

Stripe vs Square fees Australia

For most online and ecommerce businesses in Australia, Stripe is the better choice. For retail and hospitality where in-person card-present rates matter most, Square's 1.6% flat rate with no fixed fee is cheaper on small transactions. On a A$10 in-person sale, Square charges A$0.16 vs Stripe's A$0.53 — a significant difference for high-volume low-value retail.

Frequently Asked Questions — Stripe Australia Fees 2026

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