What’s the difference between standard and premium cards?

Standard domestic cards include consumer cards issued by Visa, Mastercard, and other major providers, while premium domestic cards are commercial, corporate, or business cards issued by Visa and Mastercard. Stripe determines a card's classification based on information from card networks at the point of capture.

If you are a business based in the European Economic Area (EEA) or UK, your Stripe card pricing will differ between standard domestic cards and premium domestic cards.

Standard domestic cards

Premium domestic cards

How will I know if a customer is using a commercial, corporate, or business card?

As a general rule of thumb, expenses that are not for personal use are typically purchased via a commercial, corporate, or business card. Below are some examples:

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 capture. The accuracy of this mapping is regularly reviewed to ensure the appropriate fee is applied to all card transactions.

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.