Stripe Singapore charges 3.4% + S$0.50 for standard card payments. PayNow transactions cost 0.8%, capped at S$5.00. Cross-border cards add 1.5% on top. Here is the full fee breakdown, verified from Stripe’s published Singapore pricing page, including hidden charges most sellers miss.
Quick answer: Stripe SG standard card fee: 3.4% + S$0.50. PayNow: 0.8% (capped S$5). International cards: 3.4% + 1.5% cross-border + S$0.50. Currency conversion: +2.0%. No monthly fee. No setup fee. Dispute fee: S$15 per dispute. Custom rates available for higher volumes.
Stripe Singapore Fee Table
All fees per Stripe’s published Singapore pricing page, verified June 2026.
| Fee Type | Rate | Fixed Fee | Notes |
|---|---|---|---|
| Local card (Visa, Mastercard, Amex) | 3.4% | S$0.50 | Per successful transaction |
| International card | 4.9% | S$0.50 | 3.4% + 1.5% cross-border surcharge |
| Currency conversion | +2.0% | — | Applied when converting non-SGD transactions |
| PayNow | 0.8% | — | Capped at S$5.00 per transaction |
| GrabPay | 3.4% | S$0.50 | Same as card rate |
| Monthly fee | None | — | Pay-as-you-go, no subscription |
| Setup fee | None | — | Free to activate |
| Dispute (chargeback) fee | — | S$15 | Per disputed transaction, non-refundable if you win |
| Settlement to bank | 2 business days | — | Standard payout schedule for Singapore accounts |
No minimum volume. No annual contract. Custom pricing is available for high-volume merchants. Stripe does not publish a specific threshold, but contact their sales team if your monthly volume exceeds S$500,000 on card transactions.
Card Processing: What 3.4% + S$0.50 Costs at Different Order Sizes
The S$0.50 fixed fee is the detail most sellers underestimate. On low-order-value transactions, it inflates your effective rate significantly.
At a S$20 order: 3.4% = S$0.68 + S$0.50 = S$1.18 total fee (5.9% effective) At a S$50 order: 3.4% = S$1.70 + S$0.50 = S$2.20 total fee (4.4% effective) At a S$100 order: 3.4% = S$3.40 + S$0.50 = S$3.90 total fee (3.9% effective) At a S$300 order: 3.4% = S$10.20 + S$0.50 = S$10.70 total fee (3.6% effective)
If your Singapore store sells products under S$30 and most buyers pay by card, the fixed fee adds up. Compare this to Omise Singapore, which charges 3.30% + S$0.30 per card transaction (per Omise’s published pricing page, verified June 2026). That S$0.20 lower fixed fee saves S$0.20 per transaction at all order sizes.
When card rates are negotiable: Stripe processes custom pricing agreements for Singapore merchants with significant volume. Payment gateway negotiations typically start at monthly card volumes that make the rate difference meaningful at scale. Contact Stripe’s local sales team for your specific situation rather than assuming the published rate is final.
PayNow: Stripe’s Lowest-Cost Option for Singapore Buyers
PayNow through Stripe costs 0.8%, capped at S$5.00 per transaction. This makes it the cheapest payment method Stripe offers in Singapore for orders under S$625 (above S$625, the cap means you pay exactly S$5.00).
At a S$50 order: PayNow costs S$0.40 vs S$2.20 for a card transaction, roughly 5.5x cheaper. At a S$100 order: PayNow costs S$0.80 vs S$3.90 for a card transaction, roughly 4.9x cheaper. At a S$500 order: PayNow costs S$4.00 vs S$17.50 for a card transaction, roughly 4.4x cheaper.
The PayNow limitation: PayNow only works for buyers with a Singapore bank account linked to their phone number or NRIC. International buyers (including tourists, expats without a SG bank account, and any buyer paying from outside Singapore) cannot use PayNow. For a Singapore-focused store where most buyers are local residents, enabling PayNow is a meaningful fee reduction. For stores with a significant international buyer base, card processing will dominate regardless.
PayNow transactions through Stripe settle to your Stripe account the same way card transactions do. Stripe handles the PayNow rail integration, so you do not need a separate PayNow merchant account.
Cross-Border and Currency Conversion Fees
Singapore’s buyer base includes many international buyers: expats, regional business buyers, and tourists. If those buyers use a card issued outside Singapore, Stripe applies a cross-border fee of 1.5% on top of the standard 3.4% rate.
At a S$100 international card order: 4.9% + S$0.50 = S$5.40 total fee (5.4% effective)
If the transaction currency differs from SGD (for example, a buyer paying in USD or MYR), Stripe adds an additional 2.0% currency conversion fee. At that point, a single international transaction converts to: 3.4% + 1.5% (cross-border) + 2.0% (conversion) + S$0.50 = 6.9% + S$0.50.
For Singapore-based sellers who sell primarily to local buyers, this is rarely an issue. For sellers targeting buyers across Southeast Asia through a Singapore-registered Stripe account, the cross-border surcharge is a real cost consideration, and one reason some regional sellers use multiple Stripe accounts per market.
GST on Stripe Fees
Singapore’s Goods and Services Tax (GST), currently at 9% per the Inland Revenue Authority of Singapore (IRAS) GST rate schedule effective January 2024, may apply to payment processing fees charged by GST-registered businesses in Singapore. Whether GST applies to Stripe’s fees for your specific account setup depends on how Stripe bills your account. Verify directly with Stripe and your accountant, as the GST treatment can vary based on whether you are billed by Stripe’s Singapore or global entity.
If GST applies to your Stripe fees, the effective cost of a 3.4% + S$0.50 card transaction increases. At S$100 order: S$3.90 in Stripe fees × 1.09 GST = S$4.25 total cost including GST. This is worth quantifying before signing off on Stripe as your default Singapore gateway.
Frequently Asked Questions
What is Stripe’s PayNow fee in Singapore?
Stripe charges 0.8% per PayNow transaction in Singapore, capped at S$5.00 per transaction. At S$100 average order value, that is S$0.80, versus S$3.90 for a card transaction. PayNow is available only to buyers with a Singapore bank account; international buyers must use card or other supported methods.
Does Stripe charge a monthly fee in Singapore?
No. Stripe Singapore uses pay-as-you-go pricing with no monthly subscription, no minimum volume requirement, and no setup fee. You pay only when you successfully process a transaction. If a payment fails before capture, no processing fee is charged.
How does Stripe compare to other payment gateways in Singapore?
Stripe’s 3.4% + S$0.50 card rate is at the higher end of Singapore gateways. Omise Singapore charges 3.30% + S$0.30 per card transaction (per Omise’s published pricing page, verified June 2026). HitPay offers lower card rates for businesses that qualify for their pricing tiers. The full comparison — including PayNow support, settlement times, and platform integrations — is in the best payment gateways for Singapore ecommerce guide.
Can Singapore sellers get custom Stripe pricing?
Yes. Stripe offers custom pricing for high-volume merchants. Stripe does not publish a specific volume threshold for custom rate eligibility. It depends on your transaction volume, business type, and average order value. Contact Stripe’s Singapore sales team directly. For context, most publicly discussed custom pricing negotiations involve merchants processing well above S$100,000/month, though Stripe evaluates each case individually.
Keep Reading
- Best Payment Gateways for Ecommerce in Singapore — compare Stripe, HitPay, PayNow, and Tazapay side by side
- Omise Singapore Fees — full fee breakdown including card rates and PayNow pricing
- Best Payment Gateway for Ecommerce — full hub comparing payment gateways across SEA markets