The bottom line
Stripe charges 2.9% + CA$0.30 for each online payment with a Canadian card, with no monthly fee. A month of $10,000 in online sales over 400 orders costs about $410.
In person it’s 2.7% + CA$0.05 per card and CA$0.15 per Interac payment, but you buy a reader and bring your own POS software. Payouts take 3 business days by default, slower than the next-day deposits Square, Helcim and Moneris list.
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Stripe fees at a glance
Visit Stripe- Pricing model
- flat
- Contract
- Not published
- Payouts
- 3 business days (first payout takes 7 days)
- Monthly cost to take cards
- $0 (Reader bought separately)
- True cost: first year at $10,000/month in card sales (est.)
- $3,559 (12 months of processing at 400 payments a month, plus the listed monthly cost, plus the BBPOS WisePad 3 at $79)
| Payment type | Rate | Source |
|---|---|---|
| In person (card present) | 2.7% + 5¢ | stripe.com |
| Online | 2.9% + 30¢ | stripe.com |
| Keyed in | 3.4% + 30¢ | stripe.com |
| Interac debit | 15¢ | stripe.com |
Monthly fees and plans
- Monthly fee: $0
Checked October 22, 2026 on stripe.com. Prices change, so confirm with Stripe before you sign.
Who it’s for
- Online businesses. Stripe says you can build a custom checkout or connect it to hundreds of third-party POS systems.
- Businesses with uneven months. No monthly fee means a quiet month costs nothing to keep the account open.
- Developers and software platforms. Stripe is built to be wired into your own website or app.
- Shops that take some in-person payments too. Readers start at CA$79 and debit is a flat CA$0.15.
Who should skip it
- A store or restaurant that just wants a ready-to-go POS. Stripe doesn’t sell its own simple POS app for small shops. You’d need a third-party POS or a custom build.
- Owners who need cash the next day. Default payouts take 3 business days in Canada, and the first one takes 7 calendar days.
- Businesses that sell a lot to buyers outside Canada. International cards add 0.8% online, and currency conversion adds another 2%.
The catch
Disputes cost twice if you fight them. Stripe charges CA$15 when a customer disputes a payment. If you respond, there’s another CA$15, refunded only if you win. Its Smart Disputes service takes 30% of the disputed amount on each case it wins.
International cards cost more. Online, international cards add 0.8%. In person they cost 3.5% + CA$0.05 instead of 2.7% + CA$0.05. If the money has to be converted between currencies, add 2%.
Keyed-in payments cost more. Typing a card number in by hand adds 0.5%, so it’s 3.4% + CA$0.30.
Tap to Pay on a phone adds a fee. Stripe adds CA$0.15 each time a card is tapped on your phone with Tap to Pay.
Payouts are slow. Stripe’s docs list 7 calendar days for your first payout in Canada and 3 business days after that. Instant Payouts cost 1%, with a CA$0.60 minimum.
Amex isn’t listed separately. The Canadian pricing page doesn’t show a separate rate for American Express.
What it costs at your size
These are estimates. They use Stripe’s published rates, no monthly fee, and assume every card is a Canadian card.
Example 1: $10,000 a month online, 400 orders.
- Percentage: 2.9% × $10,000 = $290
- Per payment: 400 × CA$0.30 = $120
- Monthly fee: $0
- Estimated total: $410 a month, an effective rate of 4.1%
The 30¢ per payment adds up on small orders. At an average order of $25, it’s $120 of the $410, close to 30% of your fees.
Example 2: $10,000 a month in person, 400 card payments.
- Percentage: 2.7% × $10,000 = $270
- Per payment: 400 × CA$0.05 = $20
- Estimated total: $290 a month, plus a one-time reader (the BBPOS WisePad 3 is listed at CA$79)
If 10% of the online sales in Example 1 came from international cards, add 0.8% × $1,000 = $8, plus 2% on any amount that needs currency conversion.
To compare with your current provider, use the fee calculator.
Compared with
Beyond the rate
What the rate table doesn't show, taken from Stripe's own terms and help pages: can they hold your money?, works offline?, leaving, support. Show ▾
Can they hold your money?
Stripe can set up a reserve it controls, and it can delay or hold payouts on a sale it thinks is likely to be disputed.
Source: stripe.comWorks offline?
Yes. Works with mobile readers and smart readers through the Terminal SDK (smart readers still need a working local network to your POS). Stripe sets an offline maximum of 10,000 USD or the same value in your currency. You take on all decline risk.
Source: docs.stripe.comLeaving
You can end the agreement at any time by closing your Stripe account in the Dashboard.
Source: stripe.com
Common questions
What are Stripe's fees in Canada?
Stripe lists 2.9% + CA$0.30 per online payment with a Canadian card, 2.7% + CA$0.05 in person with its Terminal readers, and CA$0.15 per Interac debit payment. Typing in a card by hand adds 0.5%. International cards add 0.8% online, and currency conversion adds 2% when it's needed.
Does Stripe charge a monthly fee in Canada?
No. Stripe says there are no setup fees, monthly fees or hidden fees. You pay per payment. If you take payments in person you buy a reader once, listed from CA$79 for the BBPOS WisePad 3 up to CA$469 for the Stripe Reader T600.
How much is a Stripe chargeback fee in Canada?
Stripe charges CA$15 for each dispute you receive. If you respond to it, there's another CA$15 countered fee, which Stripe says is refunded only if you win. If you use Stripe's Smart Disputes service, it takes 30% of the disputed amount for each dispute it wins.
How long do Stripe payouts take in Canada?
Stripe's own docs say your first payout in Canada takes 7 calendar days. After that the default is 3 business days. Instant Payouts cost 1% of the amount, with a CA$0.60 minimum. By comparison, Square, Helcim and Moneris all list next-day deposits.