Sample Transaction Fee Schedules
| Customer Payment | Stripe Fee | Net Deposit | Effective Take Rate |
|---|---|---|---|
| A$10.00 | A$0.47 | A$9.53 | 4.70% |
| A$50.00 | A$1.13 | A$48.87 | 2.26% |
| A$100.00 | A$1.95 | A$98.05 | 1.95% |
| A$500.00 | A$8.55 | A$491.45 | 1.71% |
| A$1,000.00 | A$16.80 | A$983.20 | 1.68% |
| A$5,000.00 | A$82.80 | A$4,917.20 | 1.66% |
RBA Interchange Regulations & Australian Payment Rails
In Australia, the Reserve Bank of Australia (RBA) caps domestic interchange fees at a benchmark of 0.50% for credit and 8 cents for debit cards. This enables Stripe Australia to offer a very low domestic rate of 1.65% + A$0.30 (inclusive of GST).
However, international cards issued outside Australia jump significantly to 3.5% + A$0.30. Australian merchants selling internationally to US or UK consumers face higher fees unless using local entities.
BECS Direct Debit is Australia's electronic bank transfer system. Stripe charges 1% + A$0.30 with an A$3.50 cap, making it the most cost-effective method for high-ticket invoices and recurring club memberships.
Operational Scenarios & Fee Impacts
Domestic Aussie E-Commerce Checkout (A$100)
On an A$100 domestic order paid with an Australian Visa or Mastercard, Stripe deducts A$1.95, netting A$98.05.
A$100.00 × 1.65% (A$1.65) + A$0.30 = A$1.95 feeB2B Monthly Retainer via BECS Direct Debit (A$3,000)
Processing A$3,000 via BECS Direct Debit costs A$3.50 flat at the cap, saving A$46.30 compared to domestic card fees.
1% of A$3,000 hits the A$3.50 maximum capInternational US Customer Buying from AU Site (A$100)
US cardholders incur the 3.5% + A$0.30 international rate, resulting in an A$3.80 transaction fee.
A$100.00 × 3.5% (A$3.50) + A$0.30 = A$3.80 feePayment Processing FAQs
Do Stripe Australia fees include Goods and Services Tax (GST)?
Yes, Stripe Australian pricing is inclusive of 10% Australian GST for registered domestic accounts.
What is the minimum charge amount in Australian Dollars?
The minimum allowable charge on Stripe for AUD is A$0.50 (50 Australian cents).
What is the dispute fee in Australia?
Stripe charges A$25.00 per disputed transaction in Australia if a customer files a chargeback.