See your exact fee on any Stripe payment in Canadian dollars, what lands in your payout, and what that fee buys you in revenue Stripe collects for you.
Stripe's standard Canadian card pricing: 2.9% + $0.30 per successful charge, +0.8% for international cards, +2% for currency conversion, +0.4% per paid Stripe invoice, +0.7% on recurring subscription payments. Custom-pricing accounts differ.
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Every successful card charge pays a percentage of the amount plus a fixed fee. A $100.00 payment costs $3.20 in fees, so $96.80 lands in your payout.
Card processing is the fee everyone knows. These are all of Stripe's standard service fees, so nothing on your payout surprises you. Surcharges stack on the base rate when they apply.
| Fee | When it applies | Rate |
|---|---|---|
| Standard card fee | Every successful card charge | 2.9% + $0.30 |
| International card | Card issued outside Canada | +0.8% |
| Manually entered card | Card keyed in instead of paid online | +0.5% |
| Currency conversion | Stripe converts the payment to CAD | +2% |
| Pre-authorized debit (PAD) | Customer pays by bank debit | 1% + C$0.40 (C$5.00 cap) |
| Invoicing | Per paid invoice (Stripe-hosted) | 0.4% (capped at US$2.00, about C$2.75) |
| Billing (subscriptions) | Recurring billing volume, pay as you go | 0.7% |
| Dispute fee | Per dispute (chargeback) received | C$15.00 |
| Instant Payouts | Optional instant transfer to your bank | 1% (min C$0.60) |
| Stripe Tax | Optional automatic tax calculation | 0.5% per transaction |
Stripe's published standard pricing, checked August 2026. Custom-pricing accounts and some payment methods differ. The calculator above covers the card rates plus the invoicing and subscription fees, which you can switch on there.
Seeing the fee in dollars can make Stripe feel expensive. Stripe's published numbers point the other way: the businesses paying these fees collect more of their revenue, faster.
Figures are Stripe's published statistics, checked August 2026. Results vary by business.
Stripe nets its fees out of your deposits, so your bank statement never shows them. Connect Stripe to ReInvestWealth and every payment, payout, and fee is booked automatically.
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Stripe's standard Canadian pricing is 2.9% plus C$0.30 per successful card charge. International cards (issued outside Canada) add 0.8%, and if Stripe converts the payment into Canadian dollars, currency conversion adds another 2%. Accounts on negotiated or custom pricing pay different rates.
A Stripe transaction fee has two parts: multiply the payment amount by the percentage rate, then add the fixed fee. On standard pricing, a $100 payment costs $100 × 2.9% + $0.30 = $3.20, so $96.80 lands in your payout. Add the international card or currency conversion surcharges to the percentage first when they apply. The calculator above does this for you and shows the full breakdown.
Work the fee backwards: charge = (amount you want + fixed fee) ÷ (1 − percentage rate). To receive $100 on standard pricing, charge ($100 + $0.30) ÷ (1 − 0.029) = $103.30. Switch the calculator to “Charge to receive” and it does the reverse math for you.
An international card is one issued outside Canada, even if the customer pays in Canadian dollars; it adds 0.8%. Currency conversion applies when the customer pays in another currency and Stripe converts it to CAD for your payout; it adds 2%. A US customer paying in USD into a CAD account triggers both.
Yes, both are toggles on the calculator. A payment collected through a Stripe-hosted invoice adds 0.4% (capped at US$2.00, about C$2.75 per invoice), and a recurring subscription payment through Stripe Billing adds 0.7%. They never stack: an invoice generated by a subscription is charged the Billing rate instead of the invoicing rate, so turning one on turns the other off. Both sit on top of the standard card fee.
The math pattern is identical (a percentage plus a fixed fee), but the defaults here are Stripe's standard card rates. Shopify Payments and Square each publish their own rates, which also vary by plan, so check yours before reusing the numbers. Stripe's invoicing and checkout fees can also differ from the standard card rate.
As a guide, yes. Most credit card processing fees are a percentage plus a fixed fee, so the breakdown reads the same way for other processors. The presets here follow Stripe pricing, and we keep the standard Stripe processing fees and surcharge rates current, so check your own processor's published rates before relying on the exact total.
Yes. Payment processing fees are a normal business expense, deducted like bank charges or merchant fees on your T2125 (or your T2 if incorporated). Card processing is generally treated as an exempt financial service, so there is usually no GST/HST charged on the fee itself. The bookkeeping challenge is capturing every fee: they are subtracted from your payouts, so they never show up as a separate charge on your bank statement.
Yes, it's free with no sign-up required. ReInvestWealth is accounting software that connects to your Stripe account: every payment, payout, and fee is booked automatically, and up to 2 years of history back-syncs when you connect. You can start a free 30-day trial anytime.
Connect Stripe once and ReInvestWealth records every payment, payout, and processing fee in your books automatically, with up to 2 years of history back-synced.