The United Arab Emirates rate card
| Domestic card | 2.9% + AED 1.00 |
| International card | 3.9% + AED 1.00 |
| Currency conversion | + 2% over mid-market |
| Amex surcharge | + 0.5% |
| Dispute / chargeback | AED 55.00 |
| Settlement currency | AED |
What you actually pay, by ticket size
The AED 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 2.9%:
| Charge | Stripe fee | Effective rate |
|---|---|---|
| AED 40.00 | AED 2.16 | 5.4% |
| AED 200.00 | AED 6.80 | 3.4% |
| AED 800.00 | AED 24.20 | 3.03% |
A AED 40.00 sale pays an effective 5.4% — versus 3.03% on a AED 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 United Arab Emirates.
International cards & currency conversion
The moment a customer pays with a card issued outside United Arab Emirates, the rate rises to 3.9% + AED 1.00 — roughly 1% above domestic. And if you charge in one currency but settle in AED, Stripe adds about 2% on the conversion. A business selling internationally from United Arab Emirates should assume a blended rate meaningfully above the 2.9% headline, not at it.
Disputes: the fee that dwarfs the rest
A single chargeback costs AED 55.00 in United Arab Emirates — and you forfeit the sale amount too unless you win. One disputed AED 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 United Arab Emirates compares
Across the 18 Stripe markets we track, United Arab Emirates's 2.9% domestic rate is the 12th 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 United Arab Emirates?
2.9% + AED 1.00 per domestic card transaction. The effective rate is higher on small charges because of the flat fee — 5.4% on a AED 40.00 sale.
Is there a monthly or setup fee?
No. Stripe's standard pricing in United Arab Emirates 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 United Arab Emirates, 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 United Arab Emirates before modelling a budget.
Rates verified 2026-05-28. Independent analysis, not financial advice — confirm current rates on Stripe's pricing page for United Arab Emirates.