Key findings
- The standard domestic card rate ranges from 1.5% in United Kingdom to 3.99% in Brazil — a 2.7× spread for the same Stripe product. The 18-market average is 2.55%.
- Accepting a foreign-issued card adds 1.09% on average over the domestic rate — and as much as 2.3% in India.
- The currency-conversion markup runs from 1% (United States) to 2% (United Kingdom) — charged on top of the processing fee whenever the charge and payout currencies differ.
- 11 of 18 markets carry an extra American Express surcharge beyond the standard rate.
The headline percentage is only half the story: a flat per-transaction fee sits on top in every market, so the effective rate on a small ticket is always higher. Model your own mix in the Stripe True Fee Calculator.
Domestic card rate by market
Lowest rate in green, highest in brass. Bar length is proportional to the headline domestic rate.
The full index — ranked by domestic rate
| # | Market | Domestic | International | FX markup | Dispute fee |
|---|---|---|---|---|---|
| 1 | United Kingdom | 1.5% | 2.5% | 2% | £20 |
| 2 | Eurozone | 1.5% | 2.5% | 2% | €15 |
| 3 | Poland | 1.5% | 2.9% | 2% | PLN 65 |
| 4 | Australia | 1.75% | 3.5% | 2% | A$25 |
| 5 | Sweden | 1.8% | 2.9% | 2% | SEK 150 |
| 6 | Norway | 1.8% | 2.9% | 2% | NOK 150 |
| 7 | Denmark | 1.8% | 2.9% | 2% | DKK 110 |
| 8 | India | 2% | 4.3% | 2% | ₹350 |
| 9 | New Zealand | 2.7% | 3.9% | 2% | NZ$30 |
| 10 | United States | 2.9% | 3.9% | 1% | $15 |
| 11 | Canada | 2.9% | 3.9% | 2% | CA$15 |
| 12 | United Arab Emirates | 2.9% | 3.9% | 2% | AED 55 |
| 13 | Switzerland | 2.9% | 3.9% | 2% | CHF 15 |
| 14 | Singapore | 3.4% | 4.4% | 2% | SGD 20 |
| 15 | Hong Kong | 3.4% | 3.9% | 2% | HK$120 |
| 16 | Japan | 3.6% | 3.8% | 2% | ¥1,500 |
| 17 | Mexico | 3.6% | 4.6% | 2% | MX$250 |
| 18 | Brazil | 3.99% | 4.99% | 2% | R$50 |
What the spread means for operators
A 2.7× gap between the cheapest and most expensive market is not a rounding error — on a business doing meaningful volume it is the difference between a healthy and a marginal payment line. The rate is set by where your Stripe account is based, not where your customer is, so for cross-border businesses the choice of settlement market is a real lever. And because the international premium averages 1.09%, any business with a high share of foreign customers should budget against a blended rate well above its domestic headline.
Methodology
Every figure is sourced from Stripe's published standard pricing for each market and re-verified weekly; the most recent verification date is 2026-05-28. Rates shown are standard pay-as-you-go pricing — Stripe offers custom interchange-plus pricing to larger merchants, so a negotiated rate may differ. Dispute fees are shown in each market's local settlement currency. This dataset is published under CC BY 4.0: cite it freely with a link back to this page. Spotted an error? Tell us via the contact page and we correct within 48 hours.