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Guide · 5 min read

Stripe Fees Germany 2026 — Complete Guide

Germany is one of Stripe's largest European markets. At 1.5% + €0.25, German businesses enjoy some of the world's lowest card processing rates — thanks to EU interchange caps.

Germany Quick Reference
  • 💳 EU card: 1.5% + €0.25
  • 🌍 Non-EU card: 3.25% + €0.25
  • 🏦 SEPA Direct Debit: 0.8% + €0.25 (cap €5)
  • 💸 SOFORT: Supported
  • 💰 Monthly fee: €0

Germany Fee Examples

AmountEU Card (1.5%+€0.25)You ReceiveNon-EU Card (3.25%+€0.25)
€50€1.00€49.00€1.88
€100€1.75€98.25€3.50
€500€7.75€492.25€16.50
€1,000€15.25€984.75€32.75
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FAQ

Frequently Asked Questions

1.5% + €0.25 per EU card. Non-EU cards: 3.25% + €0.25. On €100, you receive €98.25 from an EU card.
Yes. SEPA Direct Debit costs 0.8% + €0.25, capped at €5 — ideal for recurring B2B payments.
Yes. Stripe supports SOFORT (now Klarna), widely trusted by German consumers for bank-based payments.
Stripe applies reverse charge VAT for B2B transactions. VAT-registered businesses can typically recover this.
For EU card transactions, both charge approximately the same. Stripe's 1.5%+€0.25 vs PayPal's 1.2%+€0.35 — PayPal is slightly cheaper above €33.
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