ProviderACH, BNPLUnited StatesSince 2010Listed Sept 2026stripe.comWebsite
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Stripe

Developer-focused card acquirer and gateway with published rates: 1.5% + 20p on standard UK cards. Merchant accounts in 44 countries and 135+ presentment currencies; gambling and adult are refused.

Stripe was started in 2010 by the Irish brothers Patrick and John Collison and now runs from twin headquarters in South San Francisco and Dublin. Merchants meet it as a developer-first gateway and acquirer, but the same account also covers subscriptions, invoicing, marketplace payouts through Connect, in-person readers via Terminal, and card issuing.

Businesses can open an account in 44 countries; India and Indonesia remain invite-only, and the five African markets shown on Stripe's availability map are served by Paystack, which Stripe bought in 2020. Card acceptance covers Visa, Mastercard, American Express, Discover and Diners, JCB, UnionPay, Cartes Bancaires and Australian eftpos. Past cards, the documentation lists iDEAL, Bancontact, BLIK, Przelewy24, TWINT, Swish, MobilePay, Multibanco, MB WAY, PayNow, PromptPay, FPX, GrabPay, Alipay, WeChat Pay, Klarna, Affirm, Afterpay, Boleto, OXXO, Konbini, Pix and UPI, alongside Bacs, SEPA and ACH direct debits. Charges can be presented in more than 135 currencies.

Pricing is published country by country, which is rare at this scale. A standard UK consumer card costs 1.5% + 20p, premium UK cards 2.8% + 20p, EEA cards 2.5% + 20p and everything else 3.15% + 20p, with 2% added when Stripe converts the currency. Euro-area accounts pay 1.5% + €0.25 on EEA cards and 3.15% + €0.25 on international ones. Standard accounts carry no setup or monthly fee.

The trade-off is who Stripe will not take. Gambling, adult services, crypto mining and token sales are banned outright, while crypto exchanges, firearms dealers and CBD sellers need approval before going live. Payouts settle three business days behind in the UK and EU and two in the US and Australia, with the first payment held back a week or two.

What Stripe costs

Stripe quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

Settlement
T+2 in the US and Australia, T+3 in the UK and EU; first payout after 7-14 days

Licences and regulation

Authorisations Stripe holds, as published by the provider or regulator. Check the register entry before relying on it.

Financial Conduct Authority
Authorised electronic money institution (Stripe Payments UK, Ltd.), permitted to issue e-money, execute payment transactions, remit money and acquire payment transactions · United Kingdom · GB · 900461
Register
Central Bank of Ireland
Electronic money institution (Stripe Technology Europe, Limited), passported across the EEA under PSD2; covers e-money issuance, acquiring, payment initiation and account information services · Ireland · IE · C187865
Register
US state banking regulators (NMLS)
Money transmission licences held by Stripe Payments Company across the 50 states, DC, Puerto Rico, Guam and the US Virgin Islands · United States · US · 1280479
Register
Monetary Authority of Singapore
Major payment institution (Stripe Payments Singapore Pte. Ltd.) for account issuance, domestic and cross-border transfers, merchant acquisition and e-money issuance · Singapore · SG
Register

What you need to onboard

Bank Statement / Bank Account · Company Details · Director ID · Personal Details · Website Review

Licences a merchant needs

None Required

Features

3D Secure · Account Updater · Chargeback Management · FX Conversion · Fraud Prevention · Instant Settlement · Mass Payouts · Multi-Currency · Network Tokenisation · Partial Refund · Payouts · Recurring Payments · Refunds · Reporting & Analytics · Sandbox / Testing Environment · Tokenisation · Webhook Notifications · White Label

What the last check found

Recheck against Stripe's own documentation, which publishes a method-by-method table of presentment currencies, business locations and customer countries — the single most useful coverage artefact any provider in this directory puts out, because it separates where the merchant can be from where the shopper can be.

The 47 countries here are the union of the business locations in that table: the places a Stripe account itself can be based. The customer side is much wider — PayPal and Amazon Pay accept shoppers worldwide, stablecoin payments likewise — and conflating the two is the usual way a Stripe coverage claim goes wrong.

Stripe says it supports over 135 presentment currencies, but publishes that list as a dynamic widget rather than text, so it cannot be read reliably and is not enumerated here. The 34 currencies recorded are the ones Stripe names in writing: its published minimum-charge table, which exists per settlement currency and so is in effect the list of currencies a Stripe bank account can be paid in, plus the currencies named against individual methods. Presentment is wide; settlement is this.

Three things in that table are worth knowing before building on it. Pix is invite-only for Brazilian businesses and otherwise US-only. Zip is invite-only in both Australia and the US. And several methods are available to merchants in a long list of countries while accepting shoppers from exactly one — iDEAL, BLIK, Multibanco, Swish, TWINT, UPI and others — so a merchant anywhere in Europe can offer UPI, but only Indian shoppers can pay with it.

On payouts, ISK and UGX are zero-decimal currencies that must still be sent as two-decimal values ending in 00, and HUF and TWD are treated as zero-decimal for payouts only, so a manual payout must be divisible by 100 and a full balance with fractions cannot be paid out at all.

Checked against Stripe’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

Pricing, in detail

UK standard pricing: 1.5% + 20p on standard UK consumer cards, 2.8% + 20p on premium UK cards, 2.5% + 20p on EEA cards, 3.15% + 20p on all other cards, plus 2% when currency conversion is applied. In-person (Terminal) is 1.4% + 10p for EEA cards and 2.9% + 10p otherwise. Bacs Direct Debit 1% (20p minimum, £4 cap); Klarna from 4.99% + 35p. Payouts 50p domestic, 1% for instant payouts (40p minimum). Euro-area standard pricing: 1.5% + €0.25 EEA cards, 2.8% + €0.25 premium EEA cards, 2.5% + €0.25 UK cards, 3.15% + €0.25 international, SEPA Direct Debit €0.35, disputes €20. No setup or monthly fee on standard accounts; larger merchants can negotiate custom rates including interchange++.

Is Stripe regulated?

Stripe holds authorisations from Financial Conduct Authority, Central Bank of Ireland, US state banking regulators (NMLS) and Monetary Authority of Singapore. Always check the regulator’s public register before relying on it.

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Similar to Stripe

Sources · 17

  1. Stripe UK pricing · stripe.compricingcapabilitiesUsed for fees (UK card rates, Bacs, Klarna, payouts)
  2. Stripe Ireland pricing · stripe.compricingcapabilitiesUsed for fees (EEA/euro card rates, SEPA Direct Debit, disputes)
  3. Stripe global availability · stripe.comUsed for countries_supported
  4. Stripe payment method support · docs.stripe.comcountriescurrenciesmethodsUsed for methods, per-method country and currency support
  5. Stripe supported card brands · docs.stripe.commethodsUsed for card schemes
  6. Stripe supported currencies · docs.stripe.comcurrenciesUsed for currencies, EEA card definition
  7. Stripe payouts documentation · docs.stripe.comUsed for settlement_speed
  8. Stripe Payments UK authorised payment services · stripe.comlicensingUsed for regulation (FCA 900461)
  9. Stripe Technology Europe Limited regulatory disclosure · stripe.comlicensingUsed for regulation (Central Bank of Ireland C187865)
  10. Stripe Payments Company licenses · stripe.comlicensingUsed for regulation (US state money transmission, NMLS 1280479)
  11. MAS Financial Institutions Directory entry · eservices.mas.gov.sglicensingUsed for regulation (Singapore major payment institution)
  12. Stripe prohibited and restricted businesses · stripe.comwho they onboardlicensingUsed for industries, licence_requirements, caveats
  13. Stripe apps and plugins · docs.stripe.comintegrationsUsed for integrations
  14. Stripe, Inc. (Wikipedia) · en.wikipedia.orgthe companyUsed for company (founders, founding year, dual HQ, Paystack acquisition)
  15. Stripe Docs — payment method support · docs.stripe.comcountriescurrenciesmethodsUsed for every method on this listing, the business locations that make up the country list, and the per-method presentment currencies, including the invite-only status of Pix and ZipChecked 20 October 2026
  16. Stripe Docs — supported currencies · docs.stripe.comcurrencieslimits & timingcapabilitiesUsed for the settlement currencies in the minimum-charge table, the "over 135 presentment currencies" claim, the ISK, UGX, HUF and TWD payout rules, and the definition of an EEA-issued cardChecked 20 October 2026
  17. Stripe documentation index · docs.stripe.comcurrenciesmethodsUsed for locating the method support and currency pagesChecked 20 October 2026

17 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Stripe before you sign anything. How we compile this · Suggest a correction ·