Stripe Fee Tiers in Japan
Stripe charges different rates in Japan depending on where the customer's card was issued. Japan has a single flat rate for all card types.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on ¥100 |
|---|---|---|---|---|
| Domestic card | 3.6% | ¥0 | +2% | ¥360 |
Example Fee Calculations (JPY)
See exactly how much Stripe charges for common transaction amounts in Japan, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for Japan
Adjust the amount, card type, and volume to calculate your exact Stripe fees in JPY.
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for Japan. Fees are in JPY. 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 Japan
Stripe uses a percentage + fixed fee model in Japan. Every successful card transaction incurs a 3.6% processing fee plus a fixed ¥0 charge in JPY. Japan applies a single flat rate to all card types.
Payment processing in the Asia-Pacific region varies widely due to different regulatory environments and market structures. Japan's domestic rate of 3.6% reflects local interchange costs and market conditions. Japan uses a single flat rate for all card types with no fixed fee, simplifying fee calculations.
The fixed fee component (¥0) means smaller transactions have a proportionally higher effective rate. For example, a ¥1,000 transaction costs 36 in fees (3.60% effective), while a ¥200,000 transaction costs just 3.60% effectively.
Japan vs Other Asia-Pacific Countries
How do Stripe fees in Japan compare to other countries in the Asia-Pacific region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇯🇵 Japan(current) | 3.6% | ¥0 | 3.6% | JPY |
| 🇦🇺 Australia | 1.7% | A$0.30 | 3.5% | AUD |
| 🇳🇿 New Zealand | 2.7% | NZ$0.30 | 3.7% | NZD |
| 🇸🇬 Singapore | 3.4% | S$0.50 | 3.4% | SGD |
| 🇭🇰 Hong Kong | 3.4% | HK$2.35 | 3.4% | HKD |
How to Reduce Stripe Fees in Japan
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in Japan. Saves hundreds to thousands per year depending on invoice volume.
- Minimize currency conversions — Accept payments in JPY when possible to avoid the 0% conversion fee. Use multi-currency settlement if you serve international customers.
- Negotiate volume pricing — If you process over $100,000/month in Japan, 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 Japan is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in Japan — FAQ
What are Stripe's fees in Japan?
Stripe charges 3.6% + ¥0 per successful domestic card transaction in Japan. All fees are in JPY.
How much does Stripe charge for a ¥5,000 transaction in Japan?
For a ¥5,000 domestic card transaction in Japan, Stripe charges ¥180 in fees (3.6% + ¥0). You receive ¥4,820. The effective fee rate is 3.60%.
Does Stripe charge different rates for international cards in Japan?
Japan has a single flat rate of 3.6% + ¥0 for all card types.
How do Stripe fees in Japan compare to other Asia-Pacific countries?
Japan's domestic rate of 3.6% compares to Australia (1.7%), New Zealand (2.7%), Singapore (3.4%) in the Asia-Pacific region. Some Asia-Pacific countries offer lower domestic rates.
Can I reduce my Stripe fees in Japan?
While Stripe's core processing fees in Japan (3.6% + ¥0) 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 Japan?
Stripe processes payments in JPY (¥) in Japan. The fixed fee per transaction is ¥0. When customers pay in a different currency, an additional conversion fee of 2% may apply.
Ready to stop overpaying?
Set up in under a minute. No code, no per-invoice fees.