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 the same currencies as customers’. Receive, hold, convert, and transfer global funds all on one platform.
United KingdomGBPCut 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 UK business can transact in USD and settle those funds directly into a local USD account, without having to convert the funds to GBP and pay foreign exchange (FX) fees. This USD balance can then be used to pay US-based 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.
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 the UK
Overall, Airwallex offers lower pricing on domestic and international card payments.
Compare Stripe and Airwallex features
Note on FX fees: Businesses can avoid a 2% FX conversion fee and forced currency conversions by settling payments like-for-like (e.g. EUR to EUR). Airwallex offers like-for-like settlement for 14+ major currencies into its multi-currency wallet at a 1% fee, with no need to set up separate foreign bank accounts. Stripe also offers like-for-like settlement at a minimum 1% fee, but requires businesses to set up separate external bank accounts to get the same benefit.
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 used to pay Stripe between $5,000 and $10,000 a month in conversion fees because most of our customers pay in dollars. Now we funnel that money into our Airwallex US dollar account, we don’t have to pay commission. We’ve saved more than $100,000 so far this year”
Thomas Adams
Founder and CEO, Brandbassador
“We couldn’t just look at the cost of the product, but also the cost of selling that product. We needed to factor in things like digital marketing spend, merchant fees and currency conversion fees on each sale. With Airwallex, we’ve saved over $12,000 each month that I re-invest into the business for the long-run.”
Hayley Worley
Founder, The Sheet Society
“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
“Airwallex has allowed us to get things done at ten times the speed it used to happen. It means we could spend more time on our brand, our website and the customer experience. That’s what helped us to grow so much in a short span of time. These solutions just didn’t exist a few years ago.”
Andrew Ford and Rosa-Clare Willis
Co-founders, Crockd
"Airwallex have been a fantastic partner for Olsam Group as we grow our eCommerce brands to new channels and new markets. Their easy to use interface and integrations have been a joy for our finance team to use as we scale."
Sam Horbye
Co-Founder, Olsam
Frequently asked questions about Stripe fees
How much are Stripe fees in the UK?
Stripe typically charges a flat rate of 1.50% + £0.20 per successful transaction for domestic card payments, 2.50% + £0.20 for EEA card payments, and 3.25% + £0.20 for international card payments in the UK. 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.
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*The Stripe fee calculator is intended to help businesses compare general payment processing costs between Stripe and Airwallex, and is not exhaustive of all currencies, payment methods, and fees, such as dispute fees, chargeback fees, and instant payout fees. Note that Stripe’s Radar for Fraud Teams fee is available only for Stripe accounts with all payment methods on standard pricing. The calculator currently supports Visa and Mastercard schemes, and seven major merchant entity locations: Australia, the European Union, Hong Kong, New Zealand, Singapore, the UK, and the US. The calculator only shows blended pricing and excludes volume-based discounts and custom pricing tiers for enterprises. For simplicity, this model assumes that international sales are transacted in a foreign currency and converted to your home currency. It also assumes that domestic sales occur in your local currency.
All comparisons and information reflect Airwallex’s own research using public documentation as of May 2025, and have not been independently validated. The calculator is not intended to be relied on for the purpose of making a decision about a financial product.