Complete breakdown of Stripe fees for New Zealand businesses

Stripe is a global fintech platform specialising in online payments. From credit cards to digital wallets and bank transfers, the platform allows businesses to accept payments in numerous ways. Stripe also offers a range of handy automation tools and can handle financial complexities like security and compliance.

Kiwis considering the platform should first understand Stripe fees. This post will examine its pricing in New Zealand across various payment methods. We’ll also take a peek at Wise Business, a low-cost alternative for Kiwi companies trading abroad.

Stripe pricing plans for businesses in New Zealand

Stripe has two pricing plans: Standard and Custom¹

Standard mostly uses a pay-as-you-go model, charging per-transaction fees depending on the payment method. While Stripe does have ongoing subscriptions for some advanced tools, most charges are calculated per transaction.

The Custom plan caters to high-volume businesses, offering multi-product and volume discounts as well as country-specific rates. Custom pricing is not publicly available.¹

Stripe doesn’t have any start-up fees, closure fees, or other sneaky hidden charges.¹ That transparency can make it easier for Kiwi businesses to work out exactly what they will pay.

Types of Stripe fees in New Zealand

We’ve combed through the fine print to prepare a snapshot of the Stripe Standard plan transaction fees.

Stripe card fees for online cards

• 2.65% + NZ$0.30 for domestic card payments
• 3.70% + NZ$0.30 (plus 2% if currency conversion is required) for international card payments¹

On May 01, 2026, Stripe will reduce international card payment fees to 3.50% + NZ$0.30. This price drop complies with a reduction in interchange fee caps set by the Commerce Commission of New Zealand.²

Stripe processing fees for digital wallets

• 2.65% + NZ$0.30 for domestic card payments with Google and Apple Pay
• 3.70% + NZ$0.30 (plus 2% if currency conversion required) for international card payments with Google and Apple Pay³

Digital wallet fees will also drop to 3.50% + NZ$0.30 on May 01, 2026.²

Stripe merchant fees for Buy Now Pay Later (BNPL)

• 4.99% + NZ$0.65 per transaction using Klarna
• 6.00% + NZ$0.30 per transaction using Afterpay³

Stripe direct debit fees for bank-based payments

Stripe works with New Zealand’s BECS (Bulk Electronic Clearing System) bank-to-bank payment system.

New Zealand BECS Direct Debit

• 1% + NZ$0.40 (NZ$4.00 cap)
• NZ$6 for disputed payments
• NZ$6 for failed payments³

Stripe also makes it easier for Kiwis to accept payments from leading European bank-based payment platforms.

• Bancontact (Belgium): 1.4% + NZ$0.30 (+ 1.5% for international transactions and + 2% if currency conversion is required)
• EPS (Austria): 1.6% + NZ$0.30 (+ 1.5% for international transactions and + 2% if currency conversion is required)
• iDEAL (Netherlands): NZ$0.80 (+ 1.5% for international transactions and + 2% if currency conversion is required)
• Przelewy24 (Poland): 2.2% + NZ$0.30 (+ 1.5% for international transactions + 2% if currency conversion is required)
• MB WAY (Portugal) 1.5% + NZ$0.50 (+ 1.5% for international transactions and + 2% if currency conversion is required)³

Stripe transaction fees for Payment Links

Stripe Payment Links let you sell directly to customers without a website.

• Accepting payments through Payment Links is included at no additional charge under Standard pricing (standard payment processing fees still apply).
• USD$10 per month for a custom domain hosting your payments page or customer portal
• 0.4% on the transaction total of an automatically generated post-payment invoice (US$2 max per invoice).¹

Stripe Checkout fees

Checkout is a pre-built payment form embedded on a website.

• Accepting payments through Stripe Checkout is included at no additional charge under Standard pricing (standard payment processing fees still apply).
• USD$10 per month for a custom domain hosting your payments page or customer portal
• 0.4% on the transaction total of an automatically generated post-payment invoice (US$2 cap per invoice)¹

Stripe Terminal fees

A terminal is a point-of-sale (POS) machine that accepts in-person payments from domestic New Zealand and international cards.

• From 2.6% + NZ$0.05 per transaction for domestic cards and wallets
  *
  • 0.8% for international cards
  • +NZ$0.15 per Tap to Pay authorisation
  • + NZ$0.08 per point-to-point-encryption authorisation (optional)¹

On May 01, 2026, international card terminal fees will be decreasing from 3.50% + NZ$0.05 to 2.70% + NZ$0.05.²

Stripe also offers a range of card readers. All prices exclude GST.

• NZ$549 for the Stripe Reader S700
• NZ$349 for the BBPOS WisePOS E
• NZ$99 for the BBPOS WisePad 3¹

Stripe Radar fees

Stripe offers optional machine learning (ML)-powered fraud detection and prevention tools.

• ML-powered fraud protection included free for Standard and NZ$0.08 per screened transaction for Custom
• Advanced ML-powered fraud protection NZ$0.02 per screened transaction for Standard and NZ$0.10 per screened transaction on Custom¹

Stripe also offers dispute-prevention tools to reduce chargebacks.

• NZ$25 per Visa resolution (or Visa Compelling Evidence 3.0 block)
• NZ$50 per Mastercard resolution¹

Stripe Connect fees

Customers can choose from two different Stripe Connect pricing models.

1. Stripe handles pricing: No fees for your platform
2. You handle pricing: NZ$2 per monthly active account and 0.25% + NZ$0.25 per payout sent⁴

The first model suits users seeking a hassle-free approach where Stripe will set and collect payment fees. The second model is aimed at marketplaces deploying advanced pricing strategies.

Stripe fees for revenue and finance automation software

• Billing starts from NZ$1,000 per month on a 1-year contract or 0.7% of billing volume in a pay-as-you-go model
• Invoicing starts at 0.4% per paid invoice
• Tax Complete starts from NZ$150 per month on a 1-year contract
• Tax Basic costs 0.5% per transaction for no-code integration and NZ$0.75 per transaction for API integration
• Sigma SQL costs NZ$25 per month on a flexible plan or NZ$17 per month on a 1-year contract

Stripe vs Wise Business: Comparing fees

Stripe and Wise Business serve distinct purposes and cater to different users.

Wise Business specialises in low-cost international transfers, making it great for Kiwis looking to save when paying overseas suppliers. With a Wise Business account, you can also receive card payments or bank transfers from abroad.

Stripe offers a full-stack fintech solution for accepting payments, customising checkout flows, and advanced e-commerce integration. It’s more comprehensive than Wise Business, making Stripe appealing for New Zealand businesses with complex financial needs.

Nonetheless, there is some overlap between the two. The following table provides an apples-to-apples comparison of accepting card payment fees.

Wise Business: Smarter way to manage international Stripe payouts

By linking your Wise Business account to Stripe, you can receive payouts in over 8+ currencies, such as USD, GBP, and EUR. This means you can keep your funds in their original currency, avoiding Stripe’s automatic conversion to AUD.

Expanding a business globally opens up exciting opportunities, but also new challenges like receiving payments across borders. Hidden foreign transaction fees and hefty currency conversions involved with international payments can eat into your profits and time.

Wise Business serves as a cost-effective solution where you can receive money from around the world at the speed and price of local payments.

Transform the way you receive payments with Wise Business:

• One-time fee of 40 NZD for local account details in 8+ currencies, including AUD, NZD, USD, and more—no recurring fees
• One account to hold, send, and convert money with no hidden fees or exchange rate markups
• Create and send professional invoices directly to your customers through Wise Business
• Create payment links to request money in specific currencies
• Seamlessly receive payments from customers, online sales, or PSPs like Stripe and Amazon.
• Wise is safe and secure - Trusted by 13 million people and counting

Sign up for the Wise Business account! 🚀

This general advice does not take into account your objectives, financial circumstances or needs and you should consider if it is appropriate for you.

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FAQS

1. How much are Stripe fees?
Stripe charges fees depending on the transaction type. Domestic card payments attract a charge of 2.65% + NZ$0.30 per transaction, while international cards are charged at 3.70% (3.5% from May 01, 2026) + NZ$0.30 per transaction.¹

2. Do Stripe fees have GST?
Stripe charges tax on certain products and services, depending on your location or business/tax status.¹

3. What are the Stripe Afterpay fees?
Stripe charges **6.00% + NZ$0.30** per Afterpay transaction.¹

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Sources:

1. Stripe Pricing New Zealand
2. Stripe Lowering Pricing for NZ
3. Stripe Local Payment Methods
4. Stripe Connect fees