Free tool, Canada
Stripe fee calculator for Canada
Stripe's fee on a CA$100 Canadian card payment is CA$3.20, leaving CA$96.80. Charge CA$103.30 to receive the whole CA$100.
- Fee
- CA$3.20
- You keep
- CA$96.80
- Charge to keep the full amount
- CA$103.30Fee on that charge: CA$3.30
- Share lost to the fee
- 3.2%
- You keep: CA$96.80
- Stripe fee: CA$3.20
How this was worked out
- Domestic card is 2.9% + CA$0.30.
- The percentage part: 2.9% of CA$100.00 is CA$2.90, rounded half up to the smallest unit.
- Add the fixed fee: CA$2.90 + CA$0.30 = CA$3.20.
- The fee is CA$3.20, so you keep CA$100.00 - CA$3.20 = CA$96.80.
- To keep the full CA$100.00, charge CA$103.30: the fee on that is CA$3.30, which leaves CA$100.00.
The Canadian card fee in one line
Stripe charges Canadian businesses 2.9% + CA$0.30 on a domestic card. Run CA$100 through it and the percentage part comes to CA$2.90, the fixed part is CA$0.30, and the fee is CA$3.20. What reaches your bank is CA$96.80.
Written out: fee equals amount times rate (rounded to the cent) plus the fixed charge, and net equals amount minus fee. As a formula, f = round(a × r) + c and n = a − f. The percentage can rise through add-ons, which is where Canada differs most from the US page.
Add-ons stack on the card line
Three percentage add-ons sit on the domestic card line: 0.8% for cards from outside Canada, 0.5% for manually entered cards and 2% when currency conversion is needed. They add together. With all three the rate is 6.2% plus the fixed CA$0.30, and a CA$100 payment costs CA$6.50.
| Case | Rate applied | Fee on CA$100 | You keep |
|---|---|---|---|
| Domestic card | 2.9% + CA$0.30 | CA$3.20 | CA$96.80 |
| Manually entered card | 3.4% + CA$0.30 | CA$3.70 | CA$96.30 |
| Card from outside Canada | 3.7% + CA$0.30 | CA$4.00 | CA$96.00 |
| Card with currency conversion | 4.9% + CA$0.30 | CA$5.20 | CA$94.80 |
| Outside card, converted | 5.7% + CA$0.30 | CA$6.00 | CA$94.00 |
| All three add-ons | 6.2% + CA$0.30 | CA$6.50 | CA$93.50 |
Selling to US customers
A US cardholder paying in Canadian dollars is a card from outside Canada: CA$4.00 on CA$100, which is 3.7% plus the fixed amount. If the payment is in another currency and Stripe has to convert it, the 2% conversion charge lands on top and the same payment costs CA$6.00. Quoting US buyers a Canadian-dollar price avoids that extra CA$2.00 per CA$100.
Small payments in Canadian dollars
The flat CA$0.30 is a different share of every charge. Here is the domestic card across a range of sizes, including a CA$5 charge where the fee takes 9.0%.
| Payment | Fee | You keep | Share lost to the fee |
|---|---|---|---|
| CA$2.00 | CA$0.36 | CA$1.64 | 18.0% |
| CA$5.00 | CA$0.45 | CA$4.55 | 9.0% |
| CA$10.00 | CA$0.59 | CA$9.41 | 5.9% |
| CA$15.00 | CA$0.74 | CA$14.26 | 4.9% |
| CA$30.00 | CA$1.17 | CA$28.83 | 3.9% |
| CA$60.00 | CA$2.04 | CA$57.96 | 3.4% |
| CA$120.00 | CA$3.78 | CA$116.22 | 3.2% |
| CA$600.00 | CA$17.70 | CA$582.30 | 3.0% |
Comparing payment methods on one amount
Klarna is listed from 5.99% + CA$0.30, which works out to CA$6.29 on CA$100. Pre-authorised debit costs CA$1.40 on the same amount. Because Klarna is listed as a starting price, read its row as the lowest case.
| Payment method | Rate | Fee on CA$100 | You keep | Charge to keep CA$100 |
|---|---|---|---|---|
| Domestic card | 2.9% + CA$0.30 | CA$3.20 | CA$96.80 | CA$103.30 |
| Klarna (starting at) | 5.99% + CA$0.30 | CA$6.29 | CA$93.71 | CA$106.69 |
| Pre-authorised debit (PAD) | 1% + CA$0.40, cap CA$5.00 | CA$1.40 | CA$98.60 | CA$101.41 |
Pre-authorised debit and its cap
Debits are priced at 1% + CA$0.40, cap CA$5.00. The cap is reached at CA$459.80, so a larger debit costs the same CA$5.00. For a made up shop that takes 80 orders of CA$60 a month, card fees total CA$163.20 and debit fees total CA$80.00. Failed or disputed debits are charged CA$5.00 each, which narrows that gap when failures are common.
| Payment | Debit fee | Domestic card fee | Difference |
|---|---|---|---|
| CA$30.00 | CA$0.70 | CA$1.17 | CA$0.47 |
| CA$100.00 | CA$1.40 | CA$3.20 | CA$1.80 |
| CA$250.00 | CA$2.90 | CA$7.55 | CA$4.65 |
| CA$460.00 | CA$5.00 | CA$13.64 | CA$8.64 |
| CA$1,000.00 | CA$5.00 | CA$29.30 | CA$24.30 |
| CA$5,000.00 | CA$5.00 | CA$145.30 | CA$140.30 |
Pricing so the full amount arrives
Passing the fee on to the customer means solving for the charge, not tacking the fee onto the price. For a domestic card the answers are below.
| You want to receive | Charge the customer | Fee on that charge |
|---|---|---|
| CA$10.00 | CA$10.61 | CA$0.61 |
| CA$25.00 | CA$26.06 | CA$1.06 |
| CA$50.00 | CA$51.80 | CA$1.80 |
| CA$100.00 | CA$103.30 | CA$3.30 |
| CA$250.00 | CA$257.78 | CA$7.78 |
| CA$1,000.00 | CA$1,030.17 | CA$30.17 |
Edge cases
- Keyed-in and conversion add-ons are ticked separately in the tool, and each applies only to the card line: a manually entered card on CA$100 costs CA$3.70, a converted one CA$5.20, and an outside card CA$4.00.
- A card dispute carries a CA$15.00 dispute received fee for each dispute.
- Instant bank verification and some other pre-authorised debit extras are priced separately and are not part of this tool.
- Amounts are worked in cents, half up. A payment that rounds to zero cents is refused with a message.
- The US page, with dollars, is the Stripe fee calculator.
Common questions about Stripe fees in Canada
How much of a CA$100 card payment does Stripe keep in Canada?
CA$3.20. The rate is 2.9% of the payment (CA$2.90) plus CA$0.30, so CA$96.80 is left, a share of 3.2% lost to the fee.
What is the most a single card payment can cost in percentage terms?
Stacking all three percentage add-ons on the card line (cards from outside Canada, manually entered cards and currency conversion) gives 6.2% + CA$0.30. On CA$100 that is CA$6.50, leaving CA$93.50.
What does a US customer cost compared with a Canadian one?
A US card charged in Canadian dollars adds 0.8%: CA$4.00 on CA$100, compared with CA$3.20 for a domestic card. If the payment is converted as well, the fee becomes CA$6.00.
Where does the pre-authorised debit cap bite?
Pre-authorised debit costs 1% + CA$0.40, cap CA$5.00, so the fee reaches its cap at CA$459.80. A CA$1,000 debit then costs CA$5.00, while the same amount on a domestic card costs CA$29.30.
What extra applies when a debit fails or is disputed?
Stripe's Canadian page lists CA$5.00 for failures and disputes on pre-authorised debits. A card dispute carries a separate CA$15.00 dispute received fee.
What price lets CA$250 arrive in full?
Charge CA$257.78 on a domestic card. The fee on that charge is CA$7.78, which leaves CA$250 after Stripe has taken its share.
Why does a CA$5 sale lose so much more than a CA$120 sale?
Because of the flat CA$0.30. On CA$5 the fee is CA$0.45 (9.0%), on CA$10 it is CA$0.59 (5.9%) and on CA$120 it is CA$3.78 (3.2%).
Which date are these Canadian rates from?
Stripe's Canadian pricing page was read on 19 Oct 2026. Rates change from time to time, so check the page for a large decision.
Stripe calculators for other countries
The United Kingdom page works in pounds with a Bacs minimum and cap, the Australia page includes GST, and the United States page starts from dollars. To see what a fee does to a sale, open the gross margin calculator.
Sources
- Stripe's Canadian pricing page: stripe.com/en-ca/pricing, read 19 Oct 2026. Every rate, minimum, cap and fee on this page comes from that read.