Stripe Fee Tiers in India
Stripe charges different rates in India depending on where the customer's card was issued. There are 3 fee tiers, from 2% for domestic visa/mcs to 3.5% for international amexs.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on ₹100.00 |
|---|---|---|---|---|
| Domestic Visa/MC | 2% | ₹0.00 | — | ₹2.00 |
| International Visa/MC | 3% | ₹0.00 | +2% | ₹3.00 |
| International Amex | 3.5% | ₹0.00 | +2% | ₹3.50 |
Example Fee Calculations (INR)
See exactly how much Stripe charges for common transaction amounts in India, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for India
Adjust the amount, card type, and volume to calculate your exact Stripe fees in INR.
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for India. Fees are in INR. 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 India
Stripe uses a percentage + fixed fee model in India. Every successful card transaction incurs a 2% processing fee plus a fixed ₹0.00 charge in INR. The rate varies by card origin — India has 3 fee tiers ranging from 2% to 3.5%.
Payment processing in the Asia-Pacific region varies widely due to different regulatory environments and market structures. India's domestic rate of 2% reflects local interchange costs and market conditions. India uniquely charges no fixed fee per transaction, making it cost-effective for micropayments.
The fixed fee component (₹0.00) means smaller transactions have a proportionally higher effective rate. For example, a ₹500.00 transaction costs 10.00 in fees (2.00% effective), while a ₹50,000.00 transaction costs just 2.00% effectively.
India vs Other Asia-Pacific Countries
How do Stripe fees in India compare to other countries in the Asia-Pacific region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇮🇳 India(current) | 2% | ₹0.00 | 3.5% | INR |
| 🇦🇺 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 India
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in India. Saves hundreds to thousands per year depending on invoice volume.
- Minimize currency conversions — Accept payments in INR 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 India, 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 India is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in India — FAQ
What are Stripe's fees in India?
Stripe charges 2% + ₹0.00 per successful domestic visa/mc transaction in India. International cards are charged at 3.5% + ₹0.00 plus a 2% currency conversion fee. All fees are in INR.
How much does Stripe charge for a ₹2,000.00 transaction in India?
For a ₹2,000.00 domestic visa/mc transaction in India, Stripe charges ₹40.00 in fees (2% + ₹0.00). You receive ₹1,960.00. The effective fee rate is 2.00%.
Does Stripe charge different rates for international cards in India?
Yes. In India, international cards are charged 3.5% + ₹0.00, compared to 2% + ₹0.00 for domestic visa/mcs. An additional 2% currency conversion fee applies when the payment currency differs from INR.
How do Stripe fees in India compare to other Asia-Pacific countries?
India's domestic rate of 2% 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 India?
While Stripe's core processing fees in India (2% + ₹0.00) 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 India?
Stripe processes payments in INR (₹) in India. The fixed fee per transaction is ₹0.00. When customers pay in a different currency, an additional conversion fee of 2% may apply.
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