Stripe Fee Calculator Canada

Stripe takes 2.9% plus 30 cents from a payment on a Canadian card.

Stripe fee = payment × 2.9% + CA$0.30
you keep = payment − Stripe fee

On a CA$100 payment, 2.9% is CA$2.90. Adding the 30 cent fixed fee makes CA$3.20, so you keep CA$96.80. Stripe charges per successful payment, and its Canadian page lists no setup or monthly fee on standard pricing.

A card from outside Canada adds 0.8%, a card typed in by hand adds 0.5%, and a currency conversion adds 2%.

Stripe's Canadian page lists the three as additions to the 2.9%, and they stack. A CA$100 payment that needs all three costs CA$6.50, about double the CA$3.20 on a Canadian card. The 30 cents does not change.

Klarna, the buy now, pay later option, starts at 5.99% + CA$0.30, which is CA$6.29 on CA$100.

A sale to a US customer costs 3.7% plus 30 cents, or 5.7% plus 30 cents when Stripe converts the currency.

A US card is an international card to a Canadian Stripe account. Charged in Canadian dollars, a CA$100 sale costs CA$4.00. Priced in US dollars and paid out in Canadian dollars, Stripe converts it and the fee becomes CA$6.00, nearly double the fee on a Canadian customer.

The fixed 30 cents takes 9.0% of a CA$5 payment and 2.96% of a CA$500 one.

The 30 cents is charged on every payment whatever its size, so small payments lose the most to fees. The percentage stays at 2.9%.

Canadian bank debits cost 1% plus 40 cents, and the fee stops at CA$5.00.

Stripe's Canadian bank debits (PAD) take the payment from the customer's bank account. The CA$5.00 cap is reached on a CA$460 payment. With 250 customers paying CA$60 a month, card fees come to CA$510.00 a month and bank debit fees to CA$250.00, CA$260.00 less. Stripe also charges CA$1.00 for each instant bank account verification and CA$5.00 for each failed or disputed debit.

To receive an exact amount, add the 30 cents and divide by what the 2.9% leaves.

amount to charge = (amount you want + CA$0.30) ÷ (1 − 2.9%)

To keep CA$100 from a Canadian card payment, charge (CA$100 + CA$0.30) ÷ 0.971, which is CA$103.30. Stripe's fee on CA$103.30 is CA$3.30, and CA$100 is left.

On a CA$100 card payment, PayPal's advanced card rate costs 20 cents less than Stripe, and Square online 10 cents less.

PayPal's Canadian fee page lists 2.7% + CA$0.30 for advanced card payments and the same 2.9% + CA$0.30 as Stripe for a payment from a PayPal account. Square charges 2.8% + CA$0.30 on an online or invoice payment. All three add a fee for cards from outside Canada.

Sources: Stripe, Pricing & Fees (Canada); PayPal, Merchant Fees (Canada), last updated 13 October 2026; Square, Our fees (Canada). All read 17 October 2026. Stripe's Canadian pricing page · PayPal's Canadian fee page · Square's Canadian fee page

Compare your own amount on the PayPal fee calculator Canada and the Square fee calculator Canada, or use the Stripe fee calculator for US dollar payments. If you sell subscriptions on Stripe, 1Capture collects the first payment in the last 2 hours of a trial and retries it up to 10 times if it fails, as the payment capture page explains.