Stripe Fee Tiers in Canada
Stripe charges different rates in Canada depending on where the customer's card was issued. There are 2 fee tiers, from 2.9% for domestic cards to 3.7% for international cards.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on C$100.00 |
|---|---|---|---|---|
| Domestic card | 2.9% | C$0.30 | — | C$3.20 |
| International card | 3.7% | C$0.30 | +2% | C$4.00 |
+0.5% for manually entered cards
Example Fee Calculations (CAD)
See exactly how much Stripe charges for common transaction amounts in Canada, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for Canada
Adjust the amount, card type, and volume to calculate your exact Stripe fees in CAD.
+0.5% for manually entered cards
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for Canada. Fees are in CAD. Actual fees may vary.
Did you know?
On top of these processing fees, Stripe charges an extra 0.4% per invoice if you use Stripe Invoicing.
We can help you eliminate that fee entirely.
How Stripe Fees Work in Canada
Stripe uses a percentage + fixed fee model in Canada. Every successful card transaction incurs a 2.9% processing fee plus a fixed C$0.30 charge in CAD. The rate varies by card origin — Canada has 2 fee tiers ranging from 2.9% to 3.7%.
Unlike the EU, Canada does not regulate interchange fees, which means card networks set their own rates. This results in higher domestic processing fees compared to European markets. Stripe also charges an additional 0.5% for manually entered card numbers (card-not-present without tokenized credentials).
The fixed fee component (C$0.30) means smaller transactions have a proportionally higher effective rate. For example, a C$50.00 transaction costs 1.75 in fees (3.50% effective), while a C$2,000.00 transaction costs just 2.92% effectively.
Canada vs Other Americas Countries
How do Stripe fees in Canada compare to other countries in the Americas region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇨🇦 Canada(current) | 2.9% | C$0.30 | 3.7% | CAD |
| 🇺🇸 United States | 2.9% | $0.30 | 4.4% | USD |
| 🇧🇷 Brazil | 3.99% | R$0.39 | 3.99% | BRL |
| 🇲🇽 Mexico | 3.6% | MX$3.00 | 4.1% | MXN |
How to Reduce Stripe Fees in Canada
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in Canada. Saves hundreds to thousands per year depending on invoice volume.
- Offer pre-authorized debit — Canadian pre-authorized debits cost 1% + C$0.30, capped at C$8 — cheaper than card processing for transactions above C$40.
- Minimize currency conversions — Accept payments in CAD when possible to avoid the 2% conversion fee. Use multi-currency settlement if you serve international customers.
- Save card details for returning customers — Avoid the +0.5% surcharge for manually entered card numbers by tokenizing customer cards on first purchase.
- Negotiate volume pricing — If you process over $100,000/month in Canada, contact Stripe for custom pricing. Volume discounts typically reduce the percentage fee by 0.2–0.5%.
- Reduce chargebacks — Each dispute costs $15 regardless of outcome. Use clear billing descriptors, responsive support, and Stripe Radar (included free) to minimize fraudulent transactions.
The easiest way to save on Stripe fees in Canada is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in Canada — FAQ
What are Stripe's fees in Canada?
Stripe charges 2.9% + C$0.30 per successful domestic card transaction in Canada. International cards are charged at 3.7% + C$0.30 plus a 2% currency conversion fee. All fees are in CAD.
How much does Stripe charge for a C$200.00 transaction in Canada?
For a C$200.00 domestic card transaction in Canada, Stripe charges C$6.10 in fees (2.9% + C$0.30). You receive C$193.90. The effective fee rate is 3.05%.
Does Stripe charge different rates for international cards in Canada?
Yes. In Canada, international cards are charged 3.7% + C$0.30, compared to 2.9% + C$0.30 for domestic cards. An additional 2% currency conversion fee applies when the payment currency differs from CAD.
How do Stripe fees in Canada compare to other Americas countries?
Canada's domestic rate of 2.9% compares to United States (2.9%), Brazil (3.99%), Mexico (3.6%) in the Americas region. Some Americas countries offer lower domestic rates.
Can I reduce my Stripe fees in Canada?
While Stripe's core processing fees in Canada (2.9% + C$0.30) are non-negotiable for standard accounts, you can eliminate the 0.4% invoicing fee by using Stripdo instead of Stripe Invoicing. You can also minimize currency conversions by accepting payments in your settlement currency. Businesses processing over $100K/month can negotiate custom pricing with Stripe.
What currency does Stripe use in Canada?
Stripe processes payments in CAD (C$) in Canada. The fixed fee per transaction is C$0.30. When customers pay in a different currency, an additional conversion fee of 2% may apply.
Are there any additional Stripe fees in Canada?
Yes. +0.5% for manually entered cards. Additionally, Stripe charges 0.4% (capped at ~$2 equivalent) for Stripe Invoicing, $15 per dispute/chargeback, and optional fees for Stripe Radar, Tax, and Connect.
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