Stripe fee calculator: See how much businesses can save with Airwallex
Find out how Stripe’s merchant fees compare to Airwallex’s. Our Stripe fee calculator shows what charges businesses can incur when collecting payments with Stripe, and how much they can save with Airwallex Payments.*
Save more with competitive pricing and fewer currency conversion fees when settling funds like-for-like, in your preferred currency. Receive, hold, convert, and transfer global funds all on one platform.
New ZealandNZDCut FX fees: Save more with like-for-like settlement
Save on payment processing fees and avoid costly currency conversions with like-for-like settlement. For example, a business in New Zealand can transact in GBP and settle those funds directly into a local GBP account, without having to convert the funds to NZD and pay foreign exchange (FX) fees. This GBP balance can then be used to pay UK suppliers, further cutting FX fees.
With Airwallex, businesses can settle payments like-for-like in 14+ major currencies using its built-in multi-currency wallet, without any forced FX conversions. Unlike with Stripe, there's no need to open a separate foreign currency bank account to enjoy these benefits.
What currencies can I settle like-for-like on Airwallex and Stripe in New Zealand?
Businesses registered in New Zealand can settle payments like-for-like in 14+ currencies in Airwallex’s multi-currency wallet. In comparison, Stripe does not allow for like-for-like settlement, with all payments settling in NZD at a 2% FX fee.
This table shows the like-for-like settlement currencies available in New Zealand for major card schemes. See our settlement schedule and currencies to view available currencies in other regions and payment methods overview for additional settlement currencies available depending on card schemes and local payment methods.
STRIPE FEES
How are Stripe fees calculated?
Stripe’s processing fees are calculated based on several factors. These include the merchant entity, transaction volume, payment method, and payment currency. Payments may also incur multi-currency management fees, such as settlement fees and conversion fees. Other fees include fixed gateway fees and Stripe’s Radar for Fraud Teams fee. Our calculator considers all of these factors.*
Compare Stripe and Airwallex fees in New Zealand
Overall, Airwallex offers lower pricing on domestic and international card payments.
Note on FX fees: Businesses can avoid a 2% FX conversion fee and forced currency conversions by settling payments like-for-like (e.g. AUD to AUD). Airwallex offers like-for-like settlement for 14+ major currencies into its multi-currency wallet, with no need to set up separate foreign bank accounts. In comparison, Stripe does not offer like-for-like settlement for foreign currency payments.
Compare Stripe and Airwallex features
Expand globally with access to more local payment methods
With Airwallex, businesses can expand their global reach with access to 160+ local payment methods compared to Stripe's 100+. These include digital wallets, such as Google Pay and Apple Pay, BNPL options like Klarna and Afterpay, and local bank transfers like Trustly in Europe and iDEAL in the Netherlands. Airwallex also offers 20+ local payment methods in Asia not offered on Stripe, including DOKU Wallet in Indonesia, Toss Pay in South Korea, and ShopeePay in Malaysia.
See all of our 160+ local payment methods.
What local businesses are saying about Airwallex
“We have contractors based in China, the US, and Europe, and our Airwallex Global Account enables us to make global payments from one simple portal. Having Airwallex as our global trusted partner means we can spend less time on the phone to the bank, and more time instead focusing on growing our business both domestically and internationally.”
Richard Li
Co-founder & CEO, July
“We used to use Stripe integrated with Xero. We would send out our invoices to a US-based book store, for example, and they would pay us in USD, which our bank would then automatically convert to AUD. But in many instances, we would rather keep the funds in USD so that we could then pay US-based vendors. The unnecessary currency conversions at high exchange rates meant we were getting ripped off at every stage. Then we switched to Airwallex for payments acceptance, transfers, and global accounts."
Jon Tse
Co-Founder, Karst
“If you have staff, suppliers or customers overseas, then your business should be using Airwallex. It’s a fantastic product backed by a wonderful customer care team who will answer all your questions and ensure you get onboarded properly and know how to use the product.”
Dale Beaumont
Founder and CEO, Business Blueprint
“Let’s say we continue to expand in Korea,” Daven says. “Or perhaps further markets in Latin America or Europe—where we already have a very strong presence, we can make things as easy and convenient as possible by conducting smooth local transactions and prioritizing their preferred currencies and payment methods. We’re letting our clients know that we hear and support them—and that’s critical to our business.”
Daven Johnson
Founder & CEO, Gimme Swag
Frequently asked questions about Stripe fees
How much are Stripe fees in New Zealand?
Stripe typically charges a flat rate of 2.70% + NZ$0.30 per successful transaction for domestic card payments and 3.70% + NZ$0.30 for international card payments in New Zealand. Fees vary by merchant location, transaction volume, payment method, shopper currency, transaction type, settlement currency, and payment gateway. Additional fees apply for foreign currency settlement and FX conversions. Airwallex offers a competitive alternative with transparent and often lower fees, especially for businesses dealing with multiple currencies and regions.
How accurate is the Stripe fee calculator?
Our Stripe fee calculator is generally accurate for estimating most transaction processing fees using Stripe. It currently supports Visa and Mastercard schemes and seven major merchant entity locations, including the US, UK, and EU. For more information on Stripe’s fees for other currencies and payment methods, please see Stripe’s website.
What alternative solutions to Stripe are there?
There are several alternatives to Stripe, including PayPal, Square, and Braintree. However, Airwallex stands out for its competitive pricing, like-for-like settlement, multi-currency support, and end-to-end solutions including payment acceptance, FX and transfers, and spend management tools. The Stripe fee calculator can help businesses compare costs and see how much they can save with Airwallex.
What is like-for-like settlement?
Like-for-like settlement is a process that ensures that the currency a business receives in their account is the same as the currency in which the payment was made. This means that if a customer pays a business in, for example, US dollars (USD), the funds will be settled directly into their Airwallex account in USD, without currency conversion. This approach helps businesses avoid unnecessary foreign exchange fees and ensures that they receive the exact amount they are owed, making international transactions more transparent and efficient.