Stripe international payments: Fees and available countries

Panna Kemenes

12.02.24 (last updated)

3 minute read

Stripe is a secure payment processing platform. The online platform has a host of developer tools, making it a top choice for customization.

If you run an international business, it's important to know what countries you can accept payments from. Stripe supports 44 countries and 135 currencies, offering competitive rates for each country.

Does Stripe accept international payments?

Yes, you can receive Stripe international payments - providing that they are from one of the platform’s supported currencies.¹

You should bear in mind that the payer’s bank account will need to be in the same country as their settlement currency for payments to go through.

There are some exceptions to this rule. For example, Stripe accounts in Canada support USD accounts based in Canada.²

With Stripe, you can also choose the payment methods that make the most sense for your business. This can help you expand into the international market.

Once you have a business account with Stripe, you will be able to see the various payment methods available to you. Simply log in and head to the ‘dashboard’ on the Stripe website, then you can select from the options presented.

Each payment method will offer different benefits, so it’s worth getting familiar with them and which countries they are most prominent in.³

💰 Money-saving tip: If you receive payments in a currency that is the same as your bank account’s, Stripe does not perform currency conversion.⁴ With Wise, you can open one Wise account with multiple currencies and link it to Stripe to receive international payments.

How do I link Stripe to Wise?

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in 40+ currencies. You can get major currency account details for a one-off fee to receive overseas payments like a local. You can also Send money to 160+ countries.

Log in to your Stripe Dashboard
Open Settings in the left-hand menu
Click Bank accounts and scheduling
Click Add a bank account
Enter your Wise account details. You can find these by going to Home and choosing the balance you’d like the account details of

Join Wise Business today! 🎉

Or read the guide on how to open a Wise Business account

Stripe international: Available countries

Stripe supports payments from 44 countries across several continents. This lets you grow your business and breach new markets.

While of course, you have large countries like the US and the UK, you can also receive payments from smaller countries such as Latvia and Cyprus.⁵

Here are the 44 countries:

Available countries outside of Europe	Available countries in Europe
Australia Brazil Canada Hong Kong India Japan Malaysia Mexico New Zealand Singapore United Arab Emirates United States	Austria Belgium Bulgaria Cyprus Czech Republic Denmark Estonia Finland France Germany Greece Hungary Ireland Italy Latvia Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland United Kingdom

If you’re looking to turn your idea into a budding business, Stripe Atlas is a powerful online platform that can help springboard your startup.

With this service, you can forego the tedious paperwork and complexity associated with starting a business. Plus, you can do so from anywhere in the world.⁶

Stripe Atlas helps entrepreneurs with everything from establishing a legal company name to filing the appropriate paperwork. You can also issue stock and set up a Stripe payment account easily, so you can charge your customers.

Stripe available countries

Stripe international fees

The international pricing fees for Stripe are more expensive than domestic fees, but the platform does offer customized packages for various business models.⁷

For every card transaction made through Stripe, there will be a percentage added and a small sum on top of that. For example, a payment from a Visa credit card based in the US will cost 2.9% plus an extra 30¢.

If the payment is from an international card, there will be an extra 1% added a further 1% if there is a currency conversion.

Stripe enforces a minimum and maximum limit for charge amounts, which depends on the currency that the customer pays in.⁸

For instance, the lowest charge amount for USD is $0.50, while for GBP it's £0.30.

Stripe also allows you to offer payment options to your customers in more than 135 currencies to help them avoid conversion fees.⁹

Stripe sets the daily mid-market rate and then takes an extra fee for the exchange you do for those payments made in other currencies.

💰You can read the full guide to Stripe fees to find out more on this topic.

Avoid currency conversion fees with Wise

You can link Stripe to your Wise account, and open multiple currencies, so the payment will always land in the account with the same currency - this way, Stripe does not charge currency conversion.

Wise is a great solution for sending and receiving multiple currencies. With Wise, you can send money online from our website or mobile app, in just a few clicks.

Open a Wise account online 🚀

You can also use the Wise Business account to manage your business finances, invoices and payrolls, in multiple currencies. Perfect for international businesses.

Some key features of Wise Business include:
Major local account details to receive international payments with ease No monthly account fees just a simple one-off fee for account details Receive payments from e-commerce platforms (such as Amazon or via Stripe). Create invoices using the Wise invoice generator or invoice templates. Accounting integrations, including a QuickBooks Bill Pay connection. Bill payments will be synced, matched, and categorized in QuickBooks for simple reconciliation. Batch payment options. Fast payment of up to 1,000 people.

Some key features of Wise Business include:

Major local account details to receive international payments with ease
No monthly account fees just a simple one-off fee for account details
Receive payments from e-commerce platforms (such as Amazon or via Stripe).
Create invoices using the Wise invoice generator or invoice templates.
Accounting integrations, including a QuickBooks Bill Pay connection. Bill payments will be synced, matched, and categorized in QuickBooks for simple reconciliation.
Batch payment options. Fast payment of up to 1,000 people.

🤓 Interested in learning more about Stripe? You'll love these articles:
Is Stripe safe? How secure is Stripe for payments? How do I receive money from Stripe? Stripe vs PayPal: Top features, pricing (and more!) compared Is Stripe safe? How secure is Stripe for payments? How to change bank account on Stripe

Sources:

All sources checked 14 June 2021.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.