Pricing updates for businesses based in the European Economic Area [pdf]
Starting 10 April 2023, fees for card processing, disputes, and USD currency payouts will be higher due to increases in network costs (in recent years, major card networks have introduced several new fees and increased existing fees), as well as increases in underlying service costs.
Please refer to the following details to understand how these changes may impact your business.
There will now be two different fees for cards issued within the European Economic Area (EEA). We separated these fees in order to contain fee increases just to cards where network costs have increased significantly.
|Card fees today||Card fees starting 10 April 2023|
|All EU cards: 1.4% + €0.25 per transaction||Standard EU cards: 1.5% + €0.25 per transaction
Premium EU card: 1.9% + €0.25 per transaction
|International cards: 2.9% + €0.25 per transaction||International cards: 3.25% + €0.25 per transaction|
|UK cards: 2.5% + €0.25 per transaction||UK cards: 2.5% + €0.25 per transaction (no changes)|
If you have an account located in an EEA country that has not adopted the Euro, here are the fixed fees of €0.25 in local currencies: Bulgaria: ЛВ0.50; Czech Republic: 6.50Kč; Denmark: 1.80kr; Hungary: 85Ft; Liechtenstein: 0.30CHF, Poland: 1zł; Romania: 1LEU, Sweden: 1.80kr.
Consumer cards issued by Visa and Mastercard
All cards issued by American Express, Discover, Diners Club, Maestro, Cartes Bancaires, UnionPay
Commercial, corporate, or business cards issued by Visa and Mastercard
You can read more on the differences between Standard and Premium cards here.
We determine whether a card is standard or premium based on the information available from card networks at point of charge. The accuracy of this mapping is regularly reviewed to ensure the appropriate fee is applied to all card transactions.
Dispute fees (also known as chargebacks) will increase from €15 to €20. We’ll also no longer refund this fee if the customer’s bank resolves the dispute in your favor, due to the costs Stripe incurs for managing dispute evidence submissions (regardless of the outcome).
If you or your users have an account located in an EEA country that has not adopted the Euro, here are the fixed fees of €20 in local currencies: Bulgaria: ЛВ40; Czech Republic: 550Kč; Denmark: 200kr; Hungary: 7,000Ft; Liechtenstein: 20CHF, Poland: 90zł; Romania: 100LEU, Sweden: 200kr.
Businesses in the EEA paying out to a bank account that accepts USD without requiring a business to be in the US (US-domiciled accounts) will now incur a 1% fee, with a minimum fee of US$2.50 per payout. This is in line with alternative currency payout fees from common providers.
If you are using Stripe Checkout or the Payment Element, you can easily turn on over 25 payment methods from the Dashboard with zero additional engineering work. Stripe will automatically surface the right payment method to help you increase conversion based on where your user is located.
Below are a few commonly used low cost payment methods:
Link, Stripe’s one-click checkout experience, can be used to process all domestic cards for 1.2% + €0.25 per transaction.
Bank transfers can be used to process large, one-off transactions for 0.5% per transaction, capped at €5.00.
SEPA Direct Debit can be used for EU-based recurring payments for €0.35 per transaction.
The best way to calculate the impact these changes might have to your business is to leverage the Reports section of your Stripe Dashboard.
Go to the Reports section of your Dashboard
Click on “Download” located at the top right hand of the “Balance change from activity” module
Export your activity to a .CSV file and ensure that “Card country” is selected as a column
Review transactions processed by the countries impacted
Starting 10 April 2023 these types of transactions will be subject to the new fees.
This support page provides you with more details on the notice we sent you describing changes to certain fees. That notice is a legal notice sent to Stripe users, even those who have unsubscribed from optional marketing notices. You cannot unsubscribe from legal notices, but if you’d prefer not to receive any further legal notices from Stripe, you can close your account by following these steps.
Your continued use of Stripe's services after 10 April 2023 is subject to these fee changes. Any termination rights you have under your agreement with us are unaffected by this change.
The European Economic Area (EEA) includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway*, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
* If you are a business based in Norway, please refer to this page for pricing updates.