Stripe Fee Tiers in Hong Kong
Stripe charges different rates in Hong Kong depending on where the customer's card was issued. There are 2 fee tiers, from 3.4% for domestic cards to 3.4% for international cards.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on HK$100.00 |
|---|---|---|---|---|
| Domestic card | 3.4% | HK$2.35 | — | HK$5.75 |
| International card | 3.4% | HK$2.35 | +2% | HK$5.75 |
+0.5% for international cards when settled in USD
Example Fee Calculations (HKD)
See exactly how much Stripe charges for common transaction amounts in Hong Kong, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for Hong Kong
Adjust the amount, card type, and volume to calculate your exact Stripe fees in HKD.
+0.5% for international cards when settled in USD
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for Hong Kong. Fees are in HKD. 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 Hong Kong
Stripe uses a percentage + fixed fee model in Hong Kong. Every successful card transaction incurs a 3.4% processing fee plus a fixed HK$2.35 charge in HKD. The rate varies by card origin — Hong Kong has 2 fee tiers ranging from 3.4% to 3.4%.
Payment processing in the Asia-Pacific region varies widely due to different regulatory environments and market structures. Hong Kong's domestic rate of 3.4% reflects local interchange costs and market conditions.
The fixed fee component (HK$2.35) means smaller transactions have a proportionally higher effective rate. For example, a HK$100.00 transaction costs 5.75 in fees (5.75% effective), while a HK$10,000.00 transaction costs just 3.42% effectively.
Hong Kong vs Other Asia-Pacific Countries
How do Stripe fees in Hong Kong compare to other countries in the Asia-Pacific region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇭🇰 Hong Kong(current) | 3.4% | HK$2.35 | 3.4% | HKD |
| 🇦🇺 Australia | 1.7% | A$0.30 | 3.5% | AUD |
| 🇳🇿 New Zealand | 2.7% | NZ$0.30 | 3.7% | NZD |
| 🇯🇵 Japan | 3.6% | ¥0 | 3.6% | JPY |
| 🇸🇬 Singapore | 3.4% | S$0.50 | 3.4% | SGD |
How to Reduce Stripe Fees in Hong Kong
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in Hong Kong. Saves hundreds to thousands per year depending on invoice volume.
- Minimize currency conversions — Accept payments in HKD when possible to avoid the 2% conversion fee. Use multi-currency settlement if you serve international customers.
- Negotiate volume pricing — If you process over $100,000/month in Hong Kong, 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 Hong Kong is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in Hong Kong — FAQ
What are Stripe's fees in Hong Kong?
Stripe charges 3.4% + HK$2.35 per successful domestic card transaction in Hong Kong. International cards are charged at 3.4% + HK$2.35 plus a 2% currency conversion fee. All fees are in HKD.
How much does Stripe charge for a HK$500.00 transaction in Hong Kong?
For a HK$500.00 domestic card transaction in Hong Kong, Stripe charges HK$19.35 in fees (3.4% + HK$2.35). You receive HK$480.65. The effective fee rate is 3.87%.
Does Stripe charge different rates for international cards in Hong Kong?
Yes. In Hong Kong, international cards are charged 3.4% + HK$2.35, compared to 3.4% + HK$2.35 for domestic cards. An additional 2% currency conversion fee applies when the payment currency differs from HKD.
How do Stripe fees in Hong Kong compare to other Asia-Pacific countries?
Hong Kong's domestic rate of 3.4% compares to Australia (1.7%), New Zealand (2.7%), Japan (3.6%) in the Asia-Pacific region. Some Asia-Pacific countries offer lower domestic rates.
Can I reduce my Stripe fees in Hong Kong?
While Stripe's core processing fees in Hong Kong (3.4% + HK$2.35) 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 $100K/month can negotiate custom pricing with Stripe.
What currency does Stripe use in Hong Kong?
Stripe processes payments in HKD (HK$) in Hong Kong. The fixed fee per transaction is HK$2.35. When customers pay in a different currency, an additional conversion fee of 2% may apply.
Are there any additional Stripe fees in Hong Kong?
Yes. +0.5% for international cards when settled in USD. 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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