What does Stripe charge for international cards in Poland?

Cards issued outside Poland are charged 2.9% + PLN 1.00 — about 1.4% more than the domestic rate. If the card's currency also differs from your settlement currency, Stripe adds a further 2% conversion markup on top.

Does Stripe charge a currency conversion fee in Poland?

Yes — when Stripe converts between currencies it applies roughly a 2% markup over the mid-market rate, on top of the card processing fee. You avoid it only when the charge currency matches your payout currency.

What is Stripe's chargeback fee in Poland?

A disputed payment costs PLN 65.00 in Poland, and you also lose the original transaction amount unless you win the dispute. At scale, disputes are often a larger cost than processing fees, which is why fraud controls pay for themselves.

Stripe Fees in Poland (2026): Rates, Real Examples & Hidden Costs

Q: How much does Stripe charge in Poland?

In Poland, Stripe's standard rate for a domestic card is 1.5% plus a fixed PLN 1.00 per successful transaction. Because the fixed fee is flat, small transactions pay a much higher effective rate — a PLN 40.00 charge costs 4% all-in, while a PLN 800.00 charge is only 1.63%.

The Poland rate card

Domestic card	1.5% + PLN 1.00
International card	2.9% + PLN 1.00
Currency conversion	+ 2% over mid-market
Amex surcharge	+ 1.5%
Dispute / chargeback	PLN 65.00
Settlement currency	PLN

What you actually pay, by ticket size

The PLN 1.00fixed fee is the part that bites. Because it's flat, it dominates small charges and fades on large ones — your effective rate is never just 1.5%:

Charge	Stripe fee	Effective rate
PLN 40.00	PLN 1.60	4%
PLN 200.00	PLN 4.00	2%
PLN 800.00	PLN 13.00	1.63%

A PLN 40.00 sale pays an effective 4% — versus 1.63% on a PLN 800.00 sale. If your business runs on small tickets, the fixed fee is the single biggest lever in your payment cost: larger baskets, bundling, or annual billing all attack it directly.

Model your exact mix — international share, currency conversion, dispute rate, monthly volume — in the Stripe True Fee Calculator. It covers 18 countries including Poland.

International cards & currency conversion

The moment a customer pays with a card issued outside Poland, the rate rises to 2.9% + PLN 1.00 — roughly 1.4% above domestic. And if you charge in one currency but settle in PLN, Stripe adds about 2% on the conversion. A business selling internationally from Poland should assume a blended rate meaningfully above the 1.5% headline, not at it.

Disputes: the fee that dwarfs the rest

A single chargeback costs PLN 65.00 in Poland — and you forfeit the sale amount too unless you win. One disputed PLN 800.00 order can wipe out the processing margin on dozens of clean ones. For most merchants, fraud prevention returns more than any fee negotiation.

How Poland compares

Across the 18 Stripe markets we track, Poland's 1.5% domestic rate is the 3rd lowest. For context, United Kingdom is the cheapest headline rate at 1.5%, and Brazil the most expensive at 3.99%. Remember the percentage is only half the story — the fixed fee and your average ticket size decide what you actually pay.

FAQ

How much does Stripe charge in Poland?

1.5% + PLN 1.00 per domestic card transaction. The effective rate is higher on small charges because of the flat fee — 4% on a PLN 40.00 sale.

Is there a monthly or setup fee?

No. Stripe's standard pricing in Poland is pay-as-you-go with no monthly minimum or setup fee — you pay only the per-transaction rate above. Optional add-ons like Billing, Tax, or Radar carry their own separate fees.

Are these rates official?

They reflect Stripe's published standard pricing for Poland, verified 2026-05-28. Stripe offers custom interchange-plus pricing to larger merchants, and your negotiated rate may differ — always confirm on Stripe's own pricing page for Poland before modelling a budget.

Rates verified 2026-05-28. Independent analysis, not financial advice — confirm current rates on Stripe's pricing page for Poland.

Stripe fees in Poland