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 StatesUSDCut 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 US business can transact in GBP and settle those funds directly into a local GBP account, without having to convert the funds to USD 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 the US?
US-registered businesses can settle payments like-for-like in 14+ currencies in Airwallex’s multi-currency wallet. In comparison, Stripe allows like-for-like settlement in CAD, EUR, and GBP only, and requires separate corresponding currency bank accounts.
This table shows the like-for-like settlement currencies available in the US 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 the US
Overall, Airwallex offers lower pricing on domestic and international card payments.
Note on FX fees: Businesses can avoid a 1% FX conversion fee and forced currency conversions by settling payments like-for-like (e.g. CAD to CAD). Airwallex offers like-for-like settlement for 14+ major currencies into its multi-currency wallet at a 0.5% fee, with no need to set up separate foreign bank accounts. In comparison, Stripe offers like-for-like settlement for CAD, EUR, and GBP payments only. Stripe also charges a higher fee of 1% or more, and requires businesses to set up separate CAD, EUR, and GBP bank accounts to settle payments in these currencies.
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
“Airwallex is what the new face of managing finances should really look like. First thing I did when I walked into Mr Yum was move all our subscriptions off a big 4 debit card and onto Airwallex. I reckon it saved us close to $50,000 this year in our FX fees.”
Corey Payne
Financial Controller, Mr Yum
“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
"Airwallex is the perfect cross-border payments and FX partner to support our mission. Their strong technological infrastructure and dedicated engineering support team has allowed for a seamless integration process."
“Airwallex’s website is transparent and easy to use. It’s allowed my team to self-serve and create what we need to suit our growing business and teams. Whether it’s logins or virtual card for a new employee, it’s easy to create and gives us the visibility and control we need.”
Tristan Cheal
Financial Controller, Clipchamp
Frequently asked questions about Stripe fees
How much are Stripe fees in the US?
Stripe typically charges a flat rate of 2.90% + US$0.30 per successful transaction for domestic card payments and 4.40% + US$0.30 for international card payments in the US. Fees vary by merchant location, transaction volume, payment method, shopper currency, transaction type, settlement currency, and payment gateway. Additional fees apply for foreign currency settlements and foreign exchange conversions. Airwallex offers a competitive alternative with transparent and often lower fees, particularly for businesses that deal 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, as well as 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 the currency a business receives in its account matches 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.