Stripe Canada Fee Calculator 2025 - Calculate Stripe Fees for Canadian Businesses

Payment Amount

C$

Amount you'll charge (CAD)

Your Cost (Item/Service)

C$

What you paid for the item/service

Other Costs

C$

Shipping, packaging, etc.

Card TypeDomestic Cards (2.9%)International Cards (3.7%)

Transaction TypeOnline PaymentIn-Person (Terminal) - 2.7%

Currency conversion (+2%)

Total Stripe Canada Fees

C$3.20

3.20% of payment

You Receive

C$96.80

After Stripe fees

Your Profit

C$71.80

71.80% margin

ROI (Return on Investment)

359.00%

On C$20.00 investment

Effective Fee Rate

3.20%

All fees combined

Fee Breakdown

Percentage Fee (2.90%)C$2.90

Fixed FeeC$0.30

Total Stripe FeesC$3.20

Profit Calculation

Payment AmountC$100.00

- Stripe FeesC$3.20

= Net RevenueC$96.80

- Item/Service CostC$20.00

- Other CostsC$5.00

= ProfitC$71.80

Compare Stripe Canada Card Types

Card Type	Fee Rate	Fees on C$100.00	You Receive
Domestic Cards	2.9% + C$0.30	C$3.20	C$96.80
International Cards	3.7% + C$0.30	C$4.00	C$96.00
In-Person (Terminal)	2.7% + C$0.05	C$2.75	C$97.25

💡 Stripe Canada Tips

• Domestic cards: 2.9% + C$0.30 per transaction

• International cards: +0.8% additional fee

• In-person (Terminal): 2.7% + C$0.05 domestic

• Interac debit: C$0.15 per transaction

• Currency conversion: +2%

• No monthly or setup fees

• Pre-authorized debits: 1% + C$0.40

Stripe Canada Fee Structure 2025

Stripe Canada offers competitive rates for Canadian businesses with special pricing for Interac and pre-authorized debits.

Stripe Canada Transaction Fees

Payment Type	Fee Rate	Fixed Fee	Notes
Domestic Cards	2.9%	C$0.30	Visa, Mastercard, Amex
International Cards	3.7%	C$0.30	+0.8% for foreign cards
In-Person (Terminal)	2.7%	C$0.05	Card present
Interac Debit	Flat	C$0.15	In-person only
Pre-authorized Debits	1%	C$0.40	Bank transfers (C$5 cap)

Stripe vs PayPal Canada

Metric	Stripe Canada	PayPal Canada	Winner
Online Cards	2.9% + C$0.30	2.9% + C$0.30	Tie
In-Person Cards	2.7% + C$0.05	1.9% (QR)	PayPal
Interac	C$0.15 flat	N/A	✅ Stripe
Bank Debits	1% + C$0.40	N/A	✅ Stripe
International	+0.8%	+1%	✅ Stripe

For online card transactions, Stripe and PayPal are the same. Stripe wins for Interac and bank debits.

Stripe Canada Fee Examples

Sale Price	Domestic Fee	International Fee	Interac Fee	You Receive (Card)
C$25	C$1.03	C$1.23	C$0.15	C$23.97
C$50	C$1.75	C$2.15	C$0.15	C$48.25
C$100	C$3.20	C$4.00	C$0.15	C$96.80
C$250	C$7.55	C$9.55	C$0.15	C$242.45
C$500	C$14.80	C$18.80	C$0.15	C$485.20
C$1,000	C$29.30	C$37.30	C$0.15	C$970.70

Pre-Authorized Debits (PAD)

Great for recurring payments from Canadian bank accounts:

Transaction Amount	PAD Fee	Card Fee	Savings
C$25	C$0.65	C$1.03	C$0.38
C$50	C$0.90	C$1.75	C$0.85
C$100	C$1.40	C$3.20	C$1.80
C$500	C$5.00 (cap)	C$14.80	C$9.80

In-Person Payment Options

Stripe Terminal (Card Readers)

• Cards: 2.7% + C$0.05
• Interac: C$0.15 flat
• Readers: C$79 - C$449

Best Practice

1. Encourage Interac for in-person (C$0.15 flat!)
2. Accept credit cards for those who need points
3. Use contactless for speed

When to Use Stripe in Canada

Best for:

• E-commerce businesses
• SaaS companies (use PAD for recurring)
• Businesses wanting Interac support
• Cross-border US/Canada sales

Consider alternatives when:

• Need Interac Online (limited Stripe support)
• Very high volume (negotiate custom rates)
• Only accepting in-person payments