Stripe Fee Tiers in Poland
Stripe charges different rates in Poland depending on where the customer's card was issued. There are 4 fee tiers, from 1.5% for standard eea cards to 3.25% for international cards.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on 100.00 zł |
|---|---|---|---|---|
| Standard EEA card | 1.5% | 1.00 zł | — | 2.50 zł |
| Premium EEA card | 1.9% | 1.00 zł | — | 2.90 zł |
| UK card | 2.5% | 1.00 zł | +2% | 3.50 zł |
| International card | 3.25% | 1.00 zł | +2% | 4.25 zł |
Example Fee Calculations (PLN)
See exactly how much Stripe charges for common transaction amounts in Poland, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for Poland
Adjust the amount, card type, and volume to calculate your exact Stripe fees in PLN.
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for Poland. Fees are in PLN. 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 Poland
Stripe uses a percentage + fixed fee model in Poland. Every successful card transaction incurs a 1.5% processing fee plus a fixed 1.00 zł charge in PLN. The rate varies by card origin — Poland has 4 fee tiers ranging from 1.5% to 3.25%.
As an EU member state, Poland benefits from the Interchange Fee Regulation (IFR), which caps interchange fees at 0.2% for consumer debit cards and 0.3% for consumer credit cards. This regulatory framework allows Stripe to offer some of the lowest processing rates globally for domestic EEA transactions. Premium and commercial cards are exempt from these caps, which is why they carry a higher 1.9% rate.
The fixed fee component (1.00 zł) means smaller transactions have a proportionally higher effective rate. For example, a 50.00 zł transaction costs 1.75 in fees (3.50% effective), while a 5,000.00 zł transaction costs just 1.52% effectively.
Poland vs Other EU Non-Euro Countries
How do Stripe fees in Poland compare to other countries in the EU Non-Euro region?
| Country | Domestic Rate | Fixed Fee | Intl Rate | Currency |
|---|---|---|---|---|
| 🇵🇱 Poland(current) | 1.5% | 1.00 zł | 3.25% | PLN |
| 🇧🇬 Bulgaria | 1.5% | 0.50 лв | 3.25% | BGN |
| 🇨🇿 Czech Republic | 1.5% | 6.50 Kč | 3.25% | CZK |
| 🇩🇰 Denmark | 1.5% | 1.80 kr | 3.25% | DKK |
| 🇭🇺 Hungary | 1.5% | 85 Ft | 3.25% | HUF |
How to Reduce Stripe Fees in Poland
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in Poland. Saves hundreds to thousands per year depending on invoice volume.
- Offer SEPA Direct Debit — SEPA Direct Debit costs just 0.35% capped at €5, much cheaper than the 1.5% card rate. Ideal for recurring payments and B2B transactions in the EU.
- Minimize currency conversions — Accept payments in PLN 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 Poland, 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 Poland is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in Poland — FAQ
What are Stripe's fees in Poland?
Stripe charges 1.5% + 1.00 zł per successful standard eea card transaction in Poland. International cards are charged at 3.25% + 1.00 zł plus a 2% currency conversion fee. All fees are in PLN.
How much does Stripe charge for a 200.00 zł transaction in Poland?
For a 200.00 zł standard eea card transaction in Poland, Stripe charges 4.00 zł in fees (1.5% + 1.00 zł). You receive 196.00 zł. The effective fee rate is 2.00%.
Does Stripe charge different rates for international cards in Poland?
Yes. In Poland, international cards are charged 3.25% + 1.00 zł, compared to 1.5% + 1.00 zł for standard eea cards. An additional 2% currency conversion fee applies when the payment currency differs from PLN.
How do Stripe fees in Poland compare to other EU Non-Euro countries?
Poland's domestic rate of 1.5% compares to Bulgaria (1.5%), Czech Republic (1.5%), Denmark (1.5%) in the EU Non-Euro region. Some EU Non-Euro countries offer lower domestic rates.
Can I reduce my Stripe fees in Poland?
While Stripe's core processing fees in Poland (1.5% + 1.00 zł) are non-negotiable for standard accounts, you can eliminate the 0.4% invoicing fee by using Stripdo instead of Stripe Invoicing. You can also encourage SEPA Direct Debit for EUR payments, which costs just 0.35% capped at €5. Businesses processing over $100K/month can negotiate custom pricing with Stripe.
What currency does Stripe use in Poland?
Stripe processes payments in PLN (zł) in Poland. The fixed fee per transaction is 1.00 zł. When customers pay in a different currency, an additional conversion fee of 2% may apply.
Why are Stripe fees lower in Poland than in the US?
EU regulations cap interchange fees at 0.2% for debit cards and 0.3% for credit cards, significantly reducing the cost that payment processors like Stripe pass on. This is why EEA domestic card rates start at just 1.5% compared to 2.9% in the US. Premium and corporate cards have higher interchange fees, which is why they're charged at 1.9%.
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