Sample Transaction Fee Schedules
| Customer Payment | Stripe Fee | Net Deposit | Effective Take Rate |
|---|---|---|---|
| C$10.00 | C$0.59 | C$9.41 | 5.90% |
| C$50.00 | C$1.75 | C$48.25 | 3.50% |
| C$100.00 | C$3.20 | C$96.80 | 3.20% |
| C$500.00 | C$14.80 | C$485.20 | 2.96% |
| C$1,000.00 | C$29.30 | C$970.70 | 2.93% |
| C$5,000.00 | C$145.30 | C$4,854.70 | 2.91% |
Canadian Interchange & Cross-Border Commerce
In Canada, Stripe charges a standard 2.9% + C$0.30 on domestic card transactions. A notable advantage for Canadian merchants is Stripe's international card surcharge of only 0.8% (compared to 1.5% in the US), making cross-border US customer transactions cost 3.7% + C$0.30.
Pre-Authorized Debit (PAD) is Canada's bank transfer rail. Stripe charges 1% + C$0.40 with a C$5.00 maximum cap. For high-ticket invoices over C$500, PAD provides massive transaction cost savings.
Canadian merchants frequently accept dual-currency payments in both CAD and USD. Settling USD charges into a Canadian USD bank account avoids Stripe's 2.0% foreign exchange conversion surcharge.
Operational Scenarios & Fee Impacts
Domestic E-Commerce Sale (C$100 Order)
On a C$100 online sale paid with a Canadian Visa or Mastercard, Stripe takes C$3.20, netting C$96.80.
C$100.00 × 2.9% (C$2.90) + C$0.30 = C$3.20 feeB2B Retainer via Pre-Authorized Debit (C$2,500)
Collecting C$2,500 via PAD costs C$5.00 flat at the cap, saving C$67.80 compared to card processing.
1% + C$0.40 on C$2,500 hits the C$5.00 maximum capUS Customer Purchasing from Canadian Store (C$100)
US cards add a 0.8% international markup, bringing processing fee to C$4.00 (3.7% + C$0.30).
C$100.00 × 3.7% (C$3.70) + C$0.30 = C$4.00 feePayment Processing FAQs
How do I avoid the 2% currency conversion fee in Canada?
Add a USD bank account to your Canadian Stripe account dashboard. When customers pay in USD, Stripe deposits directly into your USD account with zero conversion fee.
What is the minimum charge amount in Canadian Dollars?
The minimum allowable charge on Stripe for CAD is C$0.50 (50 Canadian cents).
How long do Pre-Authorized Debit (PAD) payouts take?
PAD transfers typically take 3 to 5 business days to clear Canadian banking settlement rails before funds become available for payout.