Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Stripe
Industry-standard online payments and developer-friendly APIs.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Contract
- No lock-in
Best for
Online businesses, marketplaces, and SaaS companies.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- 1.7% + $0.30
Domestic cards via Stripe Terminal.
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
Stripe Terminal hardware via separate quote.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 1.7% + $0.30
Domestic cards. International cards 3.5% + $0.30.
- Monthly fee
- Free
- Setup fee
- Free
Other fees
- Chargeback fee
- $15
Standard chargeback fee per dispute.
- AMEX rate
- 1.7% + 30c
Same as domestic Visa/Mastercard.
- International card surcharge
- +1.8%
International cards 3.5% + 30c vs domestic 1.7% + 30c.
- Early termination fee
- None
No lock-in contracts.
- Instant payout fee
- 1.5%
Stripe Instant Payouts; minimum 50c.
- Refund fee
- Free
Original transaction fee is not returned (industry standard).
- PCI compliance fee
- Free
PCI compliance via Stripe Elements.
Contract terms
- Contract length
- No lock-in
- Settlement time
- Standard payouts
Instant payouts available at 1.5%.
- Least-cost routing
- No
- Recurring billing
- Yes
Stripe Billing is industry-leading for subscriptions.
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Stripe for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Afterpay
- Klarna
- Zip
Other
- Alipay
- WeChat Pay
- Direct Debit
Strengths and trade-offs
Pros
- Best-in-class API and developer experience
- No monthly or setup fees
- Powerful subscription billing
Cons
- Higher in-person rate than dedicated EFTPOS providers
- No retail-first hardware experience
About Stripe
Stripe focuses on online and developer-integrated payments. Strong for e-commerce, subscriptions, and SaaS. Stripe Terminal available for in-person.
Stripe was founded in 2010 and is headquartered in San Francisco, USA.
How Stripe compares
Side-by-side with the closest alternatives by estimated monthly cost.
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Common questions about Stripe
The same questions Australian merchants ask before signing up.
Stripe charges in-person transactions at 1.7% + $0.30 and online transactions at 1.7% + $0.30 for Australian merchants. Compare these rates against other providers on our payment-providers comparison page.
Stripe does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Stripe settles funds on a standard payouts schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Stripe accepts AMEX in Australia at 1.7% + 30c. Some providers price AMEX higher than Visa and Mastercard, so check the comparison before signing on.
Stripe does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Stripe is best suited to online businesses, marketplaces, and saas companies. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Stripe and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Stripe
Compare Stripe against every other Australian provider on price, contract terms, and features.