https://support.stripe.com/questions/pricing-updates-for-businesses-based-in-the-european-economic-area-(eea)

Pricing updates for businesses based in the European Economic Area
(EEA)

Pricing updates for businesses based in the European Economic Area
[pdf]

From 10 April 2023, fees for card processing, disputes and USD
currency payouts will be higher due to increases in network costs (in
recent years, major card networks have introduced several new fees
and increased existing fees), as well as increases in underlying
service costs.

Please refer to the following details to understand how these changes
may affect your business.

Changes for card processing

Card fees today                   Card fees from 10 April 2023
                                  Standard EU cards: 1.5% + EUR0.25 per
All EU cards: 1.4% + EUR0.25 per    transaction
transaction                       Premium EU card: 1.9% + EUR0.25 per
                                  transaction
International cards: 2.9% + EUR0.25 International cards: 3.25% + EUR0.25
per transaction                   per transaction
UK cards: 2.5% + EUR0.25 per        UK cards: 2.5% + EUR0.25 per
transaction                       transaction (no changes)

If you have an account located in an EEA country that has not adopted
the Euro, here are the fixed fees of EUR0.25 in local currencies:
Bulgaria: LV0.50; Czech Republic: 6.50Kc; Denmark: 1.80kr; Hungary:
85Ft; Liechtenstein: 0.30CHF, Poland: 1zl; Romania: 1LEU, Sweden:
1.80kr.

What are standard cards?

  * Consumer cards issued by Visa and Mastercard

  * All cards issued by American Express, Discover, Diners Club,
    Maestro, Cartes Bancaires, UnionPay

What are premium cards?

  * Commercial, corporate or business cards issued by Visa and
    Mastercard

You can read more on the differences between Standard and Premium
cards here.

How does Stripe determine when a card is standard or premium?

We determine whether a card is standard or premium based on the
information available from card networks at point of charge. The
accuracy of this mapping is regularly reviewed to ensure the
appropriate fee is applied to all card transactions.

Changes for disputes

Dispute fees (also known as chargebacks) will increase from EUR15 to
EUR20. Due to costs for managing dispute evidence submissions
(regardless of outcome), we'll no longer refund this fee if the
customer's bank resolves the dispute in your favour.

If you or your users have an account located in an EEA country that
has not adopted the Euro, here are the fixed fees of EUR20 in local
currencies: Bulgaria: LV40; Czech Republic: 550Kc; Denmark: 200kr;
Hungary: 7,000Ft; Liechtenstein: 20CHF, Poland: 90zl; Romania:
100LEU, Sweden: 200kr.

Fee for USD alternative currency payouts

Businesses in the EEA who are paying out in USD to a US-domiciled
bank account will now incur a 1% fee, with a minimum fee of US$2.50
per payout.

Are there lower cost alternatives to cards?

If you are using Stripe Checkout or the Payment Element, you can
easily turn on over 25 payment methods from the Dashboard with zero
additional engineering work. Stripe will automatically surface the
right payment method to help you increase conversion based on where
your user is located.

Below are a few commonly used low-cost payment methods:

  * Link, Stripe's one-click checkout experience, can be used to
    process all domestic cards for 1.2% + EUR0.25 per transaction.

  * Bank transfers can be used to process large, one-off transactions
    for 0.5% per transaction, capped at EUR5.00.

  * SEPA Direct Debit can be used for EU-based recurring payments for
    EUR0.35 per transaction.

How can I calculate the impact of these updates on my business?

The best way to calculate the impact these changes might have on your
business is to leverage the Reports section of your Stripe Dashboard.

 1. Go to the Reports section of your Dashboard

 2. Click on "Download" located in the top-right corner of the
    "Balance change from activity" module

 3. Export your activity to a .CSV file and ensure that "Card
    country" is selected as a column

 4. Review transactions processed by the countries affected

As of 10 April 2023, these types of transactions will be subject to
the new fees.

Why have I received this notice?

This support page provides you with more details on the notice we
sent you describing changes to certain fees. That notice was a legal
notice sent to Stripe users, even those who have unsubscribed from
optional marketing notices. You cannot unsubscribe from legal
notices, but if you'd prefer not to receive any further legal notices
from Stripe, you can close your account by following these steps.

Your continued use of Stripe's services after 10 April 2023 is
subject to these fee changes. Any termination rights that you have
under your agreement with us are unaffected by this change.

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The European Economic Area (EEA) includes Austria, Belgium, Bulgaria,
Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France,
Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway*,
Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

* If you are a business based in Norway, please refer to this page
for pricing updates.

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