Stripe Fee Calculator Canada (2026 Updated Rates)
Stripe Canada charges 2.9% + C$0.30 for domestic cards, an extra 0.8% for international cards, and a 2% markup when the charge must be converted into CAD.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Stripe (this page) | $3.20 | $96.80 | baseline | |
| Wise | $0.93 | $99.07 | +$2.27 More 🟢 | PK → |
| Square | $3.20 | $96.80 | +$0.00 More 🟢 | PK → |
| PayPal | $3.98 | $96.02 | −$0.78 Less 🔻 | PK → |
| Lemon Squeezy | $5.50 | $94.50 | −$2.30 Less 🔻 | PK → |
| Paddle | $5.50 | $94.50 | −$2.30 Less 🔻 | PK → |
| Gumroad | $13.70 | $86.30 | −$10.50 Less 🔻 | PK → |
SaaS billing vs Merchant-of-Record break-even
| Provider | Monthly | Annual | Eff. rate | vs cheapest |
|---|---|---|---|---|
| Stripe (+ Billing & Tax)CHEAPEST | $515.00 | $6,180.00 | 5.15% | — |
| Polar.sh | $575.00 | $6,900.00 | 5.75% | +$60.00/mo |
| Paddle | $600.00 | $7,200.00 | 6.00% | +$85.00/mo |
| Lemon Squeezy | $710.00 | $8,520.00 | 7.10% | +$195.00/mo |
| Gumroad | $1,450.00 | $17,400.00 | 14.50% | +$935.00/mo |
Stripe fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.9% | $10.61 |
| $25.00 | $1.03 | $23.97 | 4.1% | $26.06 |
| $50.00 | $1.75 | $48.25 | 3.5% | $51.81 |
| $100.00 | $3.20 | $96.80 | 3.2% | $103.30 |
| $250.00 | $7.55 | $242.45 | 3.0% | $257.78 |
| $500.00 | $14.80 | $485.20 | 3.0% | $515.25 |
| $1,000.00 | $29.30 | $970.70 | 2.9% | $1,030.18 |
Stripe fee formula & hidden costs
payment processing 2.90% + C$0.30
Worked example: $100.00 gross → $3.20 fees → $96.80 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $103.30.
Hidden fees to watch
- International cards add +1.5% in the US — a $1,000 foreign card charge costs an extra $15.
- Currency conversion adds +1% (US) or +2% (UK/EU/CA/AU) on top of the card rate.
- Stripe does not refund the processing fee on refunds — refund a $100 charge and the $3.20 fee is gone for good.
- Stripe Invoicing (+0.4%), Billing subscriptions (+0.7%) and Radar/risk tools stack on top of the headline 2.9%.
- Instant Payouts cost an extra 1% of the payout amount (minimum $0.50).
How to pay less in Stripe fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Wise Business — Multi-currency business account with mid-market FX rates.
Frequently asked questions
What is the Stripe fee on a C$100 sale in Canada (C$)?
On a $100.00 sale, Stripe deducts $3.20 total fees, leaving $96.80 — an effective take rate of 3.2%.
How much should I charge to receive exactly C$100 after Stripe fees?
Charge $103.30: the $3.31 fee leaves exactly $100.00 net. Use the reverse tab above for any target.
What is the Stripe fee formula in Canada (C$)?
payment processing 2.90% + C$0.30. 2.9% + C$0.30 (intl +0.8%, FX +2%). All figures verified 2026-11-10 against the official pricing page.
Does Stripe refund fees when a buyer is refunded?
No — Stripe keeps the original processing fee on refunds, so a full refund on a $100.00 sale costs you about $3.20.