Stripe Fees on CA$25

What CA$25 really costs

Charge CA$25 through Stripe in Canada and CA$23.98 reaches your account. The fee is CA$1.03: CA$0.73 from the 2.9% rate and CA$0.30 from the fixed charge.

That works out at 4.1% of the sale, not the 2.9% on the pricing page. The gap is the CA$0.30 fixed fee, and it shrinks as the amount grows — which is why processors quote the percentage and not the total.

At this size the flat fee dominates. CA$0.30 of the CA$1.03 you pay — 29% of the fee — has nothing to do with how much you charged. Doubling the payment to CA$50 would not double the fee: it would cost CA$1.75, because only the percentage half moves.

For scale, the same rate card takes 5.9% of a CA$10 payment and 2.91% of a CA$5,000 one, against 4.1% here. It never falls below the 2.9% headline, only closer to it, because the flat CA$0.30 is charged once per payment rather than in proportion to it. Billing a client once for CA$25 therefore costs less than billing five times for a fifth of it.

Working backwards: to actually receive CA$25, you would need to charge CA$26.06. That is the number to use when you are quoting a client a net figure or splitting a bill.

Those figures assume a domestic card with no currency conversion. Stripe charges international card (+0.8%) and currency conversion (+2%) on top of the same base, and they stack. With all of them applied, the fee on CA$25 rises from CA$1.03 to CA$1.73 and you keep CA$23.28 instead of CA$23.98 — 6.9% of the sale against a headline 2.9%.