Stripe EU Fee Calculator Calculate Your Exact Fees (1.5% + €0.25)
Free Stripe Europe fee calculator. Instantly calculate how much Stripe takes from your payments. Just 1.5% + €0.25 for EU cards. Works for Germany, France, Netherlands & all Eurozone.
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
This page’s recorded fee review is over a year old. We’ve surfaced the date instead of presenting old numbers as current; verify the platform’s official schedule before listing.
Common questions
What are Stripe EU fees in 2025?+
Stripe EU charges just 1.5% + €0.25 for standard EEA cards. Premium cards are 1.9% + €0.25, UK cards 2.5% + €0.25, and international cards 3.25% + €0.25.
How much does Stripe take from a €100 payment?+
For a €100 standard EEA card payment: 1.5% (€1.50) + €0.25 = €1.75 total. You receive €98.25.
Is Stripe cheaper than PayPal in Europe?+
Yes! Stripe EU (1.5% + €0.25) is much cheaper than PayPal EU (2.99% + €0.39). You save about 1.5% per transaction.
What is SEPA Direct Debit pricing?+
SEPA Direct Debit costs just €0.35 flat per transaction - great for recurring payments!
Are Stripe fees the same in all EU countries?+
Yes, Stripe uses unified EEA pricing. Germany, France, Netherlands, etc. all pay the same 1.5% + €0.25 for EEA cards.
See where the profit is.
Run the same sale across the major platforms and compare the result side by side.