Stripe Pricing and fees
Using Stripe incurs processing fees, which vary depending on the payment method and region. Common fees include
- Credit/Debit Cards: A percentage of the transaction value plus a flat fee (e.g., 0.00% + $0.30 per transaction).
- Currency Conversion: Additional fees may apply for cross-border transactions or currency conversions.
For a detailed breakdown of fees, visit Stripe’s official Pricing Page.
Oncharging Stripe fees to your clients
In some jurisdictions, it’s prohibited to charge your customer processing fees. It’s your responsibility to comply with surcharging laws.
In Abtrac you can choose to absorb any fees incurred, or instead pass fees onto your client by ticking the Pass on the Stripe processing charges box.
From Administration > Settings > Invoices and Other Office Settings > from Stripe Settings choose “Pass on the Stripe processing charges to the customers”
When this option is enabled the invoice totals in Abtrac remain the same, but the final charge amount on the payments page is increased by the processing fees.
Total Invoice amount: Abtrac Invoice Page
Total Payment amount: Stripe Payments Page
Passing on Stripe processing fees – check your local legislation
If you choose to pass Stripe processing fees on to your clients, it’s your responsibility to ensure that doing so is permitted in your country or region, and that any surcharge complies with applicable laws and card network rules.
Australian customers: The Reserve Bank of Australia has announced changes to card payment surcharging. From 1 October 2026, businesses will no longer be able to apply surcharges to payments made using Visa, Mastercard, eftpos and American Express cards. If you’re an Australian business using Stripe, you should review your pricing and payment processes to ensure they comply with the new requirements.
Requirements may vary between countries and can change over time, so we recommend checking the rules that apply in your jurisdiction before enabling or using payment surcharges.
Passing on Stripe processing fees – International payments
On charging fees is not possible when clients are paying with an international card. That is a card that doesn’t match your settlement currency. e.g AUD card paying an AUD invoice is fine, but ZAR card paying an AUD invoice may not be adjusted for the full Stripe charges incurred.
Passing on Stripe processing fees – adjustment example and calculations
The formula used to adjust the Stripe payment total applied to your client invoice is :
Pcharge = (Pgoal + Ffixed)/(1 – Fpercent).
Pcharge: the final amount your product will have.
Pgoal: the amount you want to take.
Ffixed: [Fixed amount in decimals, e.g 30c is 0.3] fixed cents for Stripe pricing.
Fpercent: [Percentual amount in decimals equivalent, e.g 1.7% is 0.017] percentual Stripe fee.
The formula is calculated based on dollars and has a margin error of ± 0.02
| Invoice Country | Abtrac Invoice Amount (incl GST) | Stripe per transaction fee | Stripe percentage charge | Adjusted Stripe payment amount due |
|---|---|---|---|---|
| Australia | 110.00 | 0.30 | 0.017 | 112.20 |
| New Zealand | 115.00 | 0.30 | 0.0265 | 118.48 |
Stripe per transaction fees and percentage charge examples in the table above were current as of December 2025, for the latest fees please visit Stripe’s official Pricing Page.
Abtrac KB# 2212