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.
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?
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Similar to Stripe
Sources · 17
- Stripe UK pricing · stripe.comUsed for fees (UK card rates, Bacs, Klarna, payouts)
- Stripe Ireland pricing · stripe.comUsed for fees (EEA/euro card rates, SEPA Direct Debit, disputes)
- Stripe global availability · stripe.comUsed for countries_supported
- Stripe payment method support · docs.stripe.comUsed for methods, per-method country and currency support
- Stripe supported card brands · docs.stripe.comUsed for card schemes
- Stripe supported currencies · docs.stripe.comUsed for currencies, EEA card definition
- Stripe payouts documentation · docs.stripe.comUsed for settlement_speed
- Stripe Payments UK authorised payment services · stripe.comUsed for regulation (FCA 900461)
- Stripe Technology Europe Limited regulatory disclosure · stripe.comUsed for regulation (Central Bank of Ireland C187865)
- Stripe Payments Company licenses · stripe.comUsed for regulation (US state money transmission, NMLS 1280479)
- MAS Financial Institutions Directory entry · eservices.mas.gov.sgUsed for regulation (Singapore major payment institution)
- Stripe prohibited and restricted businesses · stripe.comUsed for industries, licence_requirements, caveats
- Stripe apps and plugins · docs.stripe.comUsed for integrations
- Stripe, Inc. (Wikipedia) · en.wikipedia.orgUsed for company (founders, founding year, dual HQ, Paystack acquisition)
- Stripe Docs — payment method support · docs.stripe.comUsed 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
- Stripe Docs — supported currencies · docs.stripe.comUsed 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
- Stripe documentation index · docs.stripe.comUsed 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 ·















