Stripe

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.

Stripe Connect supports two main split approaches: destination charges (the platform collects payment and automatically routes a portion to a connected seller) and separate charges and transfers (charge the buyer directly, then transfer a share to each seller independently). Both methods let you programme your commission logic via the API and settle funds to sellers on a daily, weekly, monthly or manual schedule.

The standard rate on Stripe Connect is 1.7% of the transaction value plus a $0.30 fixed fee per charge. If you use Stripe to set pricing on behalf of your sellers, an additional Connect platform fee applies per payout.

No. The monthly platform fee is Free and there is no minimum monthly processing volume. You pay only for successful transactions.

Stripe offers two onboarding paths: a Stripe-hosted flow (sellers complete identity verification on a Stripe-branded page) and an embedded flow you build into your own UI using Stripe Identity. Both collect the documentation required under Australian AML/CTF rules. Stripe manages ongoing compliance monitoring for connected accounts once onboarding is complete.

Yes. Stripe supports delayed payouts so you can hold collected funds in a balance and release them to sellers only after a condition is met, such as order fulfilment or a dispute window closing. Manual transfers give you full control over the timing of each payout.

Yes. Stripe can collect payments in more than 135 presentment currencies and settle to connected accounts in more than 40 currencies. For Australian marketplaces with international sellers, Stripe handles the currency conversion automatically at the point of payout.

Yes. The absence of a monthly fee and minimum volume requirement means an early-stage platform pays nothing until it processes transactions. Stripe is well documented and widely used by Australian marketplaces, though at high volumes an interchange-plus provider such as Adyen may offer lower per-transaction costs.