Stripe Fee Tiers in New Zealand
Stripe charges different rates in New Zealand depending on where the customer's card was issued. There are 2 fee tiers, from 2.7% for domestic cards to 3.7% for international cards.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on NZ$100.00 |
|---|---|---|---|---|
| Domestic card | 2.7% | NZ$0.30 | — | NZ$3.00 |
| International card | 3.7% | NZ$0.30 | +2% | NZ$4.00 |
Example Fee Calculations (NZD)
See exactly how much Stripe charges for common transaction amounts in New Zealand, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for New Zealand
Adjust the amount, card type, and volume to calculate your exact Stripe fees in NZD.
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for New Zealand. Fees are in NZD. 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 New Zealand
Stripe uses a percentage + fixed fee model in New Zealand. Every successful card transaction incurs a 2.7% processing fee plus a fixed NZ$0.30 charge in NZD. The rate varies by card origin — New Zealand has 2 fee tiers ranging from 2.7% to 3.7%.
Payment processing in the Asia-Pacific region varies widely due to different regulatory environments and market structures. New Zealand's domestic rate of 2.7% reflects local interchange costs and market conditions.
The fixed fee component (NZ$0.30) means smaller transactions have a proportionally higher effective rate. For example, a NZ$50.00 transaction costs 1.65 in fees (3.30% effective), while a NZ$2,000.00 transaction costs just 2.71% effectively.
New Zealand vs Other Asia-Pacific Countries
How do Stripe fees in New Zealand compare to other countries in the Asia-Pacific region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇳🇿 New Zealand(current) | 2.7% | NZ$0.30 | 3.7% | NZD |
| 🇦🇺 Australia | 1.7% | A$0.30 | 3.5% | AUD |
| 🇯🇵 Japan | 3.6% | ¥0 | 3.6% | JPY |
| 🇸🇬 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 New Zealand
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in New Zealand. Saves hundreds to thousands per year depending on invoice volume.
- Minimize currency conversions — Accept payments in NZD 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 New Zealand, 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 New Zealand is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in New Zealand — FAQ
What are Stripe's fees in New Zealand?
Stripe charges 2.7% + NZ$0.30 per successful domestic card transaction in New Zealand. International cards are charged at 3.7% + NZ$0.30 plus a 2% currency conversion fee. All fees are in NZD.
How much does Stripe charge for a NZ$200.00 transaction in New Zealand?
For a NZ$200.00 domestic card transaction in New Zealand, Stripe charges NZ$5.70 in fees (2.7% + NZ$0.30). You receive NZ$194.30. The effective fee rate is 2.85%.
Does Stripe charge different rates for international cards in New Zealand?
Yes. In New Zealand, international cards are charged 3.7% + NZ$0.30, compared to 2.7% + NZ$0.30 for domestic cards. An additional 2% currency conversion fee applies when the payment currency differs from NZD.
How do Stripe fees in New Zealand compare to other Asia-Pacific countries?
New Zealand's domestic rate of 2.7% compares to Australia (1.7%), Japan (3.6%), Singapore (3.4%) in the Asia-Pacific region. Some Asia-Pacific countries offer lower domestic rates.
Can I reduce my Stripe fees in New Zealand?
While Stripe's core processing fees in New Zealand (2.7% + NZ$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 $100K/month can negotiate custom pricing with Stripe.
What currency does Stripe use in New Zealand?
Stripe processes payments in NZD (NZ$) in New Zealand. The fixed fee per transaction is NZ$0.30. When customers pay in a different currency, an additional conversion fee of 2% may apply.
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