Pricing updates for businesses based in the European Economic Area (EEA)

Starting April 10, 2023, businesses in the European Economic Area (EEA) will face higher fees for card processing, disputes, and USD currency payouts due to increased network and service costs. Card processing fees will vary, with standard EU cards at 1.5% + €0.25 per transaction and premium EU cards at 1.9% + €0.25 per transaction. Dispute fees will increase from €15 to €20, and a 1% fee will be applied to USD alternative currency payouts, with a minimum fee of $2.50 per payout.

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.

Changes for card processing

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.

What are standard cards?

What are premium cards?

You can read more on the differences between Standard and Premium cards here.

How does Stripe determine when a card is standard or premium?

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.

Changes for disputes

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.

When you settle funds to your EEA based Stripe Account in a currency other than the primary currency of your Stripe account country, Stripe dispute fees will be applied in that currency. Here are the corresponding dispute fees for each currency: 20 USD, 35 AUD, 35 NZD, 120 HKD, 2000 JPY, 20 SGD, 350 ZAR, 20 CAD, 150 HRK, 20 GBP, 200 NOK, 20 CHF.

Changes for USD alternative currency payouts

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.

Alternative lower cost payment methods

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:

How can I calculate the impact of these updates to my business?

The best way to calculate the impact these changes might have to your business is to leverage the Reports section of your Stripe Dashboard.

  1. Go to the Reports section of your Dashboard
  2. Click on “Download” located at the top right hand of the “Balance change from activity” module
  3. Export your activity to a .CSV file and ensure that “Card country” is selected as a column
  4. Review transactions processed by the countries impacted

Starting 10 April 2023 these types of transactions will be subject to the new fees.

Why did I get this notice?

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.