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What are Stripe fees in India for receiving international payments in 2026?

Author:: Editorial team, serviceexportguide.com
Verified by:: Editorial team
Published: 28 October 2026
Last modified: 30 October 2026
Fees checked on: 28 October 2026
Reading time: 7 min read

Short answer

Stripe India lists 3% per successful charge for Visa and Mastercard cards issued outside India.¹ American Express cards issued outside India cost 3.5%.¹ International cards with non-INR presentment cost 4.3%.¹² Stripe adds 2% if currency conversion is required.¹² Indian GST at 18% is added to Stripe's fees.⁶ Payouts are in INR only.²

Fee type	Amount	When it applies
Card fee, Visa or Mastercard issued outside India	3% per successful charge¹	Foreign Visa or Mastercard payment¹
Card fee, American Express issued outside India	3.5% per successful charge¹	Foreign Amex payment¹
Card fee, non-INR presentment	4.3% per successful charge¹²	Customer charged in USD or another non-INR currency¹²
Currency conversion	Additional 2%¹²	If currency conversion is required¹²
Dispute	₹1,000 per dispute, returned if you win¹	A customer disputes a payment¹
GST	18% on Stripe fees⁶	All Stripe fees⁶

Invoice amountCurrencyHow the client pays

1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).

Estimated rupees received, on published fees

Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.

#	Provider and route	Best for	Fee (+GST)	Markup	You receive	Cost
1	Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account	US bank transfers and marketplace payouts	₹942plus GST, rate not stated	0%	₹93,131 to ₹93,301	1.00 to 1.18%
2	RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,000plus GST, rate not stated	0%	₹93,063 to ₹93,243	1.06 to 1.25%
3	WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)	Local transfers with a published per-payment fee	₹1,435	0%	₹92,809	1.52%
4	SkydoPayment link (InstaLinks) paid by ACH debit	Local bank transfers from major markets	₹1,885plus GST, rate not stated	0%	₹92,019 to ₹92,358	2.00 to 2.36%
5	PayoneerLocal bank transfer to Payoneer receiving account details	Marketplace payouts such as Amazon or Upwork	₹0no GST stated	1 to 4%	₹90,473 to ₹93,301	1.00 to 4.00%
6	PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice)	Clients paying by card or PayPal balance	₹4,175no GST stated	3 to 4%	₹86,465 to ₹87,366	7.30 to 8.25%

Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.

Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.

Stripe India charges a percentage of each successful card payment, with a higher rate when the customer is charged in a currency other than INR and an extra fee when currency conversion is needed.¹² This page sets out every fee Stripe publishes for an Indian business receiving payments from customers abroad, whether that business is a SaaS company, an online course seller or a design agency.

All numbers come from Stripe's own India pricing and support pages. For how Stripe India works overall, including invite-only access and eligibility, see the Stripe review.

What are Stripe fees at a glance?

Stripe fees at a glance are a percentage per successful charge, from 3% to 4.3% depending on the card and presentment currency, plus 2% if currency conversion is required, and no setup, monthly or closure fee.¹² The table lists each fee as published.¹²³⁴⁵⁶

Fee item	What Stripe publishes	Best for
Visa or Mastercard card issued outside India	3% per successful charge	Customers charged in INR
American Express card issued outside India	3.5% per successful charge	Customers paying by Amex
International card with USD or other non-INR presentment	4.3% per successful charge	Customers who want to pay in their own currency
Currency conversion	Additional 2% if currency conversion is required	Not applicable
Payout to your Indian bank account (INR)	No payout fee stated; payouts are in INR only	Every export payout
FIRC or FIRA	Not issued by Stripe; Standard Chartered Bank emails a payment advice at no stated cost	Every export payout
Setup, monthly or account closure fee	None, per Stripe	Any Indian business
GST on Stripe fees	18% (IGST, or CGST plus SGST)	Every fee

Stripe offers custom pricing to businesses with large volumes or unique business models, and does not publish its terms.¹

How does Stripe charge Indian users?

Stripe charges Indian users a percentage of each successful international card charge, an extra 2% where conversion is required, and 18% GST on its fees.¹²⁶

Transaction fee: 3%, 3.5% or 4.3% per successful charge, by card type and presentment currency.¹
FX markup: An additional 2% if currency conversion is required.¹²
Withdrawal fee: No payout fee stated; payouts are in INR only.²⁴
Fixed fee: None published for international cards on the India pricing page.¹

Stripe's support page for cross-border sellers describes the international option as 4.3% per successful charge plus 2% for currency conversion if required, with presentment in 135+ currencies on Visa and Mastercard and USD on American Express.²

What does Stripe charge by payment method?

Stripe charges by payment method as follows: 3% for Visa and Mastercard cards issued outside India, 3.5% for American Express, and 4.3% for non-INR presentment.¹²

Payment method	Stripe fee	Best for
Visa or Mastercard issued outside India	3%¹	Customers charged in INR
American Express issued outside India	3.5%¹	Amex cardholders
Card with USD or other non-INR presentment	4.3%, plus 2% if conversion is required¹²	Customers paying in their own currency
Apple Pay or Google Pay	Listed as supported; no separate fee published⁸	Mobile checkout
Bank transfer from a customer abroad	Not listed as a method for international payments⁸	Not applicable

The bank transfer row reflects Stripe's support page, which lists Visa, Mastercard, American Express, Apple Pay and Google Pay for international payments.⁸

What is the Stripe currency conversion fee and FX markup?

Stripe's currency conversion fee is an additional 2% when currency conversion is required, on top of the card processing fee.¹² Stripe's pages checked do not publish the base exchange rate it uses or say exactly which export charges trigger the 2% conversion fee.¹²

Conversion fee: 2% if currency conversion is required.¹²
Base rate: Not published.¹²
Holding: Not possible; export proceeds are paid out in INR only.²³

For example, on the published rates a non-INR card charge costs 4.3% before any conversion fee, and 6.3% if the 2% conversion fee also applies, before 18% GST on the fee.¹²⁶ Compare the rupee amount that reaches your bank with the mid-market rate on the day; the FX markup guide explains how.

What are Stripe withdrawal and settlement fees?

Stripe does not state a payout fee: it pays out automatically every business day, in INR, and manual, weekly and monthly schedules are not available for Indian accounts.²⁴

Payout timing: Each daily payout includes international card payments processed five business days earlier.⁴
First payout: A seven-day waiting period, which can be longer for high-risk industries.⁴
Separate payouts: Export payouts arrive separately from domestic payouts and carry an International label in the Dashboard.³
FIRC: Stripe does not issue one; Standard Chartered Bank emails a payment advice, which you present to your own bank to request a FIRC.⁵

Any charge your bank makes for the FIRC is set by your bank, and Stripe states no fee for the Standard Chartered payment advice.⁵

Is GST charged on Stripe fees?

Yes, GST is charged on Stripe fees at 18%, shown as IGST or as CGST plus SGST depending on your state, and deducted from your Stripe balance during the month.⁶

Rate: 18% on Stripe's fees.⁶
Small transactions: Stripe says GST is not charged on its processing fees for any single card transaction up to ₹2,000, but its page does not say whether this applies to international charges.⁶
Invoice: Stripe issues a monthly tax invoice by the 10th of the following month.⁶
B2B invoice: If you are GST registered, add your GSTIN in the Dashboard to receive a B2B invoice.⁶

GST is charged on Stripe's fee only, not on the full amount your customer pays.⁶

How much INR do you receive on $2,000, $5,000 and $10,000 with Stripe?

The INR you receive with Stripe on $2,000, $5,000 and $10,000 cannot be fully estimated from published fees, because Stripe does not say when the additional 2% conversion fee applies to an export charge paid out in INR.¹² The table below lists Stripe as not estimated for that reason.

None of these providers publishes both a fee and a conversion markup for USD.

Not estimated because pricing for USD is not fully published: Stripe.

Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.

What hidden or one-off charges does Stripe apply?

Stripe's one-off charges are dispute fees and fees kept on refunds.¹

Chargeback: ₹1,000 per dispute received, returned if you win; ₹1,000 per dispute you counter manually, returned if you win.¹
Refund: No refund fee for card payments, but the original processing and conversion fees are not returned.¹²
Currency holding: Not available; payouts are in INR only.²
Transaction cap: Each export transaction is capped at ₹25 lakh.⁷

Stripe does not publish inactivity or wire recall fees for India on the pages checked.¹

How can you reduce Stripe fees?

You can reduce Stripe fees mainly by charging foreign customers in INR on Visa and Mastercard, which Stripe lists at 3%, instead of in another currency, which Stripe lists at 4.3%.¹

Present in INR: 3% compares with 4.3% for non-INR presentment, before any 2% conversion fee.¹²
Limit disputes: Each dispute costs ₹1,000 unless you win it.¹
Limit refunds: Processing and conversion fees are not returned on refunds.¹²

For example, a SaaS company billing a $100 subscription on a Visa card pays 3% if the customer is charged in INR and 4.3% if charged in USD, before GST on the fee.¹ Stripe says end customers may be charged a conversion fee by their issuing bank when charged in INR, so weigh the customer's experience too.²

How do Stripe fees compare with other platforms?

Stripe fees compare with other platforms as shown below, sorted by estimated cost on a USD 5,000 receipt on published fees, cheapest first; Stripe follows because the trigger for its 2% conversion fee is not published.¹²

Platform	Estimated cost on USD 5,000	Best for
Skydo	0.68%⁹¹⁰¹¹	Local bank transfers from major markets¹²
Razorpay	1.00 to 1.18%¹³¹⁴	Local transfers from the US, UK and eurozone¹⁵
Karbon Business	1.00 to 1.18%¹⁶¹⁷	US bank transfers and marketplace payouts¹⁶
Winvesta	1.24%¹⁸¹⁹	Local transfers with a published per-payment fee¹⁸²⁰
Stripe	Not estimated: when the 2% conversion fee applies is not published¹²	Card checkout and subscriptions³²¹

Platform	Best for	INR on USD 2,000	INR on USD 5,000	INR on USD 10,000	Cost on USD 5,000
SkydoMost INRTransfer to Skydo local account details or international SWIFT account	Local bank transfers from major markets	₹1,86,373	₹4,67,991	₹9,39,206	0.68%
Karbon BusinessBank transfer to a Karbon virtual USD account	US bank transfers and marketplace payouts	₹1,86,262 to ₹1,86,601	₹4,65,655 to ₹4,66,503	₹9,31,311 to ₹9,33,007	1.00 to 1.18%
RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan)	Local transfers from the US, UK and eurozone	₹1,86,262 to ₹1,86,601	₹4,65,655 to ₹4,66,503	₹9,31,311 to ₹9,33,007	1.00 to 1.18%
WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency)	Local transfers with a published per-payment fee	₹1,85,951	₹4,65,377	₹9,31,088	1.24%

Not estimated because pricing for USD is not fully published: Stripe.

For alternatives with different fee structures, see Stripe alternatives, or model your own amount in the international payment fee calculator.

How did we verify this?

We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.

Frequently asked questions

Does Stripe charge a monthly fee in India?+

No. Stripe's India pricing page says it does not charge setup fees, monthly fees or account closure fees. Stripe India's costs come from the percentage it takes on each successful charge, the conversion fee where it applies, dispute fees, and 18% GST on those fees.¹⁶

Does Stripe issue a FIRC for export payments?+

Stripe does not issue a FIRC. Standard Chartered Bank emails a payment advice to your registered Stripe email on the day an export payout is processed, and you present it to your own bank to request a FIRC. Any charge for the FIRC is set by your bank and is not published by Stripe.⁵

Can I keep USD in my Stripe India account?+

No. Stripe says payouts for Indian accounts are supported in INR only, so you cannot hold a dollar or euro balance in a Stripe India account. Every export payment is converted and paid out in rupees to your Indian bank account, separately from your domestic payouts.²³

Is there a limit on each export transaction through Stripe India?+

Yes. Stripe says each export (international) transaction for a Stripe account in India is capped at ₹25 lakh. The cap applies per transaction, and each charge within it carries Stripe's percentage fee, any 2% conversion fee and 18% GST on those fees.¹⁶⁷

Which payment methods can foreign customers use with Stripe India?+

Stripe's support page lists Visa, Mastercard, American Express, Apple Pay and Google Pay for international payments to Stripe accounts in India. Bank transfers from customers abroad are not listed as a method for international payments, so Stripe India suits businesses that sell through card checkout.⁸

When is the first Stripe payout made in India?+

Stripe says the first payout in India has a seven-day waiting period, which can be longer for businesses in high-risk industries. After that, payouts run automatically every business day in INR, and each daily payout includes international card payments processed five business days earlier.⁴

This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.

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