What Are Stripe Fees in India in 2026?

Stripe fees for Indian users, as published on Stripe's own pricing pages and checked on 30 Sept 2026.

Stripe charges through a receiving fee, an FX markup on conversion and, in some cases, payout or fixed fees.

• Transaction fee: 4.3% per international card payment with USD or other currency presentment, 3% for Visa and Mastercard cards issued outside India, 3.5% for American Express cards issued outside India, each plus 2% if currency conversion is required
• FX markup: 2% currency conversion fee if conversion is required, on top of a rate Stripe says is generally the third-party-sourced mid-market rate; in certain circumstances Stripe may use the rate at which it sources the currency
• Withdrawal fee: Stripe pays out in INR to the business's Indian bank account on a daily automatic schedule; funds from international card payments are included five business days after processing, and the first payout has a seven day waiting period. No payout fee is listed on the India pricing page; a zero payout fee is not explicitly stated.
• GST: Stripe's monthly tax invoice adds GST on its fees: a single 18% IGST line or 9% CGST plus 9% SGST, depending on the state. GST is not charged on Stripe processing fees for any single card transaction up to INR 2,000. Stripe also pays an additional 2% of the monthly invoice amount if a valid TAN is provided on the Dashboard.

Calculation basis: An international Visa or Mastercard card payment presented in USD to a registered Indian business on Stripe India, paid out in INR, as checked on 7 October 2026. The Stripe India pricing page lists 4.3% for international cards with USD or other currency presentment plus 2% if currency conversion is required; Stripe pays out in INR only, so a USD charge is converted and the model uses 6.3% as the fee. Stripe's exchange rate note says it generally applies the mid-market rate based on pricing data from third-party providers, so fxMarkupPercent is 0 and the conversion cost sits in the 2% fee. Stripe's India tax page adds 18% GST (IGST, or CGST plus SGST) on Stripe fees, so gstOnFee is true and the total deduction is 7.434% of the payment. Limits: GST is not charged on Stripe processing fees for any single card transaction up to INR 2,000, so the model overstates the cost of such small payments (Stripe does not say whether the 2% conversion fee counts as a processing fee); Stripe may use the rate at which it sources the currency in certain circumstances, and publishes no exact USD/INR quote; American Express (3.5% plus 2%), INR presentment (3% plus 2%), Billing, Invoicing and dispute fees are not covered; the model assumes a USD payment.

Stripe's fee depends on how your client pays. Methods not listed are not supported or not published for Indian users.

Published FX markup: 2% currency conversion fee if conversion is required, on top of a rate Stripe says is generally the third-party-sourced mid-market rate; in certain circumstances Stripe may use the rate at which it sources the currency. The markup is the difference between the mid-market rate and the rate Stripe applies when converting to INR.

For example, on $5,000 at the XE mid-market rate of 94.63 for 4 Nov 2026, the mid-market value is ₹4,73,149. Stripe's markup costs ₹0 of that.

Stripe's monthly tax invoice adds GST on its fees: a single 18% IGST line or 9% CGST plus 9% SGST, depending on the state. GST is not charged on Stripe processing fees for any single card transaction up to INR 2,000. Stripe also pays an additional 2% of the monthly invoice amount if a valid TAN is provided on the Dashboard.

For example, on a $5,000 invoice the fee is ₹29,808 and GST at 18% adds ₹5,366.

The table shows each charge line by line at the XE mid-market rate for 4 Nov 2026.

• Dispute received: INR 1,000 per dispute
• Dispute countered: INR 1,000 per dispute, refunded if won
• Billing: 0.7% of billing volume
• Invoicing: 0.4% per paid invoice
• Setup or monthly fee: None on standard pricing

• Payment method: Ask clients to pay by local bank transfer to your account details, which usually costs less than cards, wallets or Swift wires.
• Invoice size: Where a platform charges a flat fee per payment, fewer and larger invoices lower the cost as a share of revenue.
• Conversion: Compare the rate offered with the mid-market rate on the day, because the FX markup is often the larger cost.
• GST: Keep the platform's tax invoices, since GST paid on fees may be claimable as input tax credit if you are GST registered.

Platforms are ranked by the INR received on a $5,000 invoice, with Stripe included.

Fees were checked on Stripe's own pages on 30 Sept 2026. INR figures use the XE mid-market rate for 4 Nov 2026. The formula is on the methodology page.

1. Stripe India pricing, International cards with USD/other currency presentment 4.3% + 2% if currency conversion is required; Mastercard and Visa cards issued outside India 3% + 2%; American Express outside India 3.5% + 2%; dispute received INR 1,000.00 (checked 7 Oct 2026)
2. Accept international payments from India (Stripe docs), Stripe is available by invite only in India; the Stripe account must be a registered Indian business (sole proprietorship, limited liability partnership, or company) and can't be an individual; Stripe pays out to you in INR (checked 7 Oct 2026)
3. Additional pricing information for Indian cross-border sellers, Mainly international: 4.3% per successful charge; currency conversion additional 2% if required (checked 7 Oct 2026)
4. How can I open a Stripe account in India (checked 6 Oct 2026)
5. Supported payment methods, currencies and businesses for Stripe accounts in India (checked 6 Oct 2026)
6. FIRC for international transactions in India (checked 6 Oct 2026)
7. Payout schedule for Stripe accounts in India (checked 6 Oct 2026)
8. Payout currency for Stripe accounts in India (checked 6 Oct 2026)
9. GST and TDS on Stripe invoices for India-based accounts (checked 6 Oct 2026)
10. Export transaction limits for Stripe accounts in India (checked 6 Oct 2026)
11. RBI regulations: context and FAQs (checked 6 Oct 2026)
12. Localise prices: exchange rate (Stripe docs), When Stripe provides currency conversion services for transactions, we generally apply the mid-market rate based on pricing data sourced from third-party service providers. Mid-market rate is the average between the buy and the sell price of a currency. In certain circumstances, Stripe might apply the rate at which we source the currency owed to you. (checked 7 Oct 2026)
13. Taxes on Stripe fees for India-based businesses, either a single 18% tax line item (IGST) or a sum of two 9% tax line items (CGST & SGST). GST is not charged on Stripe processing fees for any single Cards transaction with a value up to INR 2,000. (checked 7 Oct 2026)
14. Stripe Docs: Supported currencies (India selected), Stripe users in the selected country can process charges in the following list of currencies, with these exceptions: Domestic charges can only be in INR; You can charge American Express cards issued outside of India only in INR and USD (checked 8 Oct 2026)