Stripe
$303/mo est.
- In-person rate
- 1.7% + $0.10
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- From $89
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $303/mo
Stripe
Industry-standard online payments and developer-friendly APIs.
- In-person rate
- 1.7% + $0.10
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Contract
- No lock-in
Best for
Online businesses, marketplaces, and SaaS companies.
Pricing breakdown
All prices in AUDLast verified 31 May 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- 1.7% + $0.10
Domestic cards via Stripe Terminal.
- Monthly fee
- Free
- Terminal cost
- From $89
BBPOS WisePad 3 from $89; Stripe Reader S700/S710 $449 (prices excl GST).
- 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
- $25
Stripe AU chargeback fee per stripe.com/en-au/pricing.
- 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.
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 cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Square
$267/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
- $267/mo
Zeller
$246/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
- $246/mo
SumUp
$242/mo est.
- In-person rate
- 1.4%
- Online rate
- 2.1%
- Monthly fee
- Free
- Terminal cost
- From $24
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $242/mo
Stripe head-to-head comparisons
Common questions about Stripe
The same questions Australian merchants ask before signing up.
Stripe charges 1.7% + $0.30 for standard domestic card transactions online. Note that Australian GST (10%) applies on top of Stripe's published fees, which means the effective rate is slightly higher than the listed figure for GST-registered businesses (though GST-registered businesses can claim it back as an input tax credit).
In-person card payments through Stripe Terminal cost 1.7% + $0.10 per transaction.
A surcharge of +1.8% is added when a card is issued outside Australia, on top of the standard domestic rate.
Yes. Stripe charges $25 per dispute. This fee is not refunded if the dispute is resolved in the merchant's favour.
Stripe's standard plan has no monthly fee (Free). Advanced features such as Stripe Radar for fraud, Stripe Billing for subscriptions, and Stripe Connect for platforms carry additional per-use or monthly charges on top of the base rate.
No. Stripe does not currently offer least-cost routing in Australia. Contactless debit transactions are routed through Visa or Mastercard rather than the eftpos network.
Stripe's default payout schedule is a 2-day rolling basis once your account is verified. An instant payout option is available for an additional fee of 1.5% per transfer for eligible accounts.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Work at Stripe? Claim this listing
Compare Stripe
Compare Stripe against every other Australian provider on price, contract terms, and features.