Canadian businesses on Stripe pay the same percentage rate as the USA — 2.9% + CA$0.30 for domestic cards — but international cards are cheaper at 3.7% + CA$0.30 versus the US international rate of 4.4%. This calculator gives you exact CAD fee breakdowns.
One key advantage for Canadian Stripe users: international card fees are significantly lower than in the USA. At 3.7% + CA$0.30, Canadian merchants pay 0.7% less than US merchants (4.4% + $0.30) on international card transactions. For businesses with many US customers paying with American cards, this difference adds up.
Stripe is great — but there are ways to cut costs, especially on international or high-volume transactions.
Send international payments at real exchange rates. Often cheaper than Stripe for cross-border transactions.
Full side-by-side fee comparison for Canada businesses — see which processor is cheaper for your volume.
When international payments are involved, Wise can be significantly cheaper for cross-border transfers.
At 2.9% + CA$0.30 domestic (3.7% + CA$0.30 international), here's what Stripe charges across common transaction amounts.
For every successful CAD payment processed through Stripe, the platform automatically deducts a fee before depositing funds into your bank account. The formula is simple:
Note: Canadian businesses should also consider GST/HST implications when pricing services. Stripe's fees are a business expense deductible against income. Verify current rates at stripe.com/en-ca/pricing.
Depending on your business type, one of these may cost less than Stripe for Canada payments.
Want a full comparison? See our Stripe vs PayPal guide →