Stripe Europe Fee Calculator 2025 - Low 1.5% Fees for EU Businesses

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Low Fee Region!

Europe (Eurozone) has one of the lowest Stripe rates globally at just 1.5% for domestic cards!

Payment Amount

€

Amount you'll charge (EUR)

Your Cost (Item/Service)

€

What you paid for the item/service

Other Costs

€

Shipping, packaging, etc.

Card TypeDomestic Cards (1.5%)Premium Cards (1.9%)International Cards (2.5%)

Transaction TypeOnline PaymentIn-Person (Terminal) - 1.4%

Currency conversion (+2%)

Total Stripe Europe (Eurozone) Fees

€1.75

1.75% of payment

You Receive

€98.25

After Stripe fees

Your Profit

€73.25

73.25% margin

ROI (Return on Investment)

366.25%

On €20.00 investment

Effective Fee Rate

1.75%

All fees combined

Fee Breakdown

Percentage Fee (1.50%)€1.50

Fixed Fee€0.25

Total Stripe Fees€1.75

Profit Calculation

Payment Amount€100.00

- Stripe Fees€1.75

= Net Revenue€98.25

- Item/Service Cost€20.00

- Other Costs€5.00

= Profit€73.25

Compare Stripe Europe (Eurozone) Card Types

Card Type	Fee Rate	Fees on €100.00	You Receive
Domestic Cards	1.5% + €0.25	€1.75	€98.25
Premium Cards	1.9% + €0.25	€2.15	€97.85
International Cards	2.5% + €0.25	€2.75	€97.25
In-Person (Terminal)	1.4% + €0.10	€1.50	€98.50

💡 Stripe Europe (Eurozone) Tips

• Standard EEA cards: 1.5% + €0.25 (lowest major market rate!)

• Premium EEA cards: 1.9% + €0.25

• UK cards: 2.5% + €0.25

• International cards: 3.25% + €0.25

• SEPA Direct Debit: €0.35 flat

• In-person (Terminal): 1.4% + €0.10 EEA cards

• Currency conversion: +2%

Stripe Europe (EU) Fee Structure 2025

Stripe offers the same low rates across all EEA countries - just 1.5% + €0.25 for standard European cards!

Stripe EU Transaction Fees

Card Type	Fee Rate	Fixed Fee	Notes
Standard EEA Cards	1.5%	€0.25	Consumer cards
Premium EEA Cards	1.9%	€0.25	Corporate, rewards
UK Cards	2.5%	€0.25	Post-Brexit pricing
International Cards	3.25%	€0.25	Rest of world
SEPA Direct Debit	Flat €0.35	-	Bank transfers
In-Person (Terminal)	1.4%	€0.10	Even lower!

Stripe EU vs PayPal EU

Metric	Stripe EU	PayPal EU	Winner
Standard Rate	1.5% + €0.25	2.99% + €0.39	✅ Stripe
Fixed Fee	€0.25	€0.39	✅ Stripe
Bank Debits	€0.35 (SEPA)	1% + €0.40	✅ Stripe
International	2.5-3.25%	+1.99%	✅ Stripe
QR Payments	1.4%	0.9%	PayPal

For a €100 transaction:

• Stripe: €1.75 total fees
• PayPal: €3.38 total fees
• You save: €1.63 per transaction with Stripe!

Stripe EU Fee Examples

Sale Price	EEA Card Fee	Premium Fee	UK Card Fee	You Receive (EEA)
€25	€0.63	€0.73	€0.88	€24.37
€50	€1.00	€1.20	€1.50	€49.00
€100	€1.75	€2.15	€2.75	€98.25
€250	€4.00	€5.00	€6.50	€246.00
€500	€7.75	€9.75	€12.75	€492.25
€1,000	€15.25	€19.25	€25.25	€984.75

SEPA Direct Debit - Best for Subscriptions

SEPA Direct Debit is a game-changer for recurring payments:

Feature	SEPA	Card Payments
Fee	€0.35 flat	1.5% + €0.25
€50 payment	€0.35 (0.7%)	€1.00 (2%)
€100 payment	€0.35 (0.35%)	€1.75 (1.75%)
Best for	Subscriptions, B2B	One-time purchases

Country-Specific Notes

Germany (Deutschland)

• Same 1.5% + €0.25 EEA rates
• Giropay available as alternative payment
• SEPA popular for B2B

France

• Same 1.5% + €0.25 EEA rates
• Cartes Bancaires (CB) treated as domestic
• Strong Klarna/BNPL adoption

Netherlands

• Same 1.5% + €0.25 EEA rates
• iDEAL bank transfers: €0.29
• Very high card penetration

Other EEA Countries

Italy, Spain, Belgium, Austria, etc. all use the same unified pricing.

When to Use Stripe in Europe

Best for:

• E-commerce with EU customers
• SaaS subscriptions (use SEPA!)
• Marketplaces and platforms
• International expansion

Consider alternatives when:

• Need Klarna/BNPL as primary (though Stripe supports it)
• Very local payment methods needed (iDEAL, Giropay)
• Need PayPal buyer trust