Stripe Fees in India

Indian Stripe pricing — 2% + ₹2 on domestic cards, 3.5% + ₹2 on international. Plus context on UPI, RBI mandate rules, and when Razorpay is the better choice for Indian businesses.

At a glance

Domestic card
2.0% + ₹2
International card
3.5% + ₹2
Currency conversion
+2.0%
Settlement currency
INR
UPI support
Not native (use Razorpay)

Indian merchants pay Stripe 2% + ₹2 on domestic cards — one of the lowest base rates Stripe offers globally. International cards are 3.5% + ₹2. The lower domestic rate reflects RBI-regulated interchange. UPI is not natively supported on Stripe in India; for UPI-heavy Indian commerce, Razorpay is typically the better choice.

Frequently asked questions

How does Stripe handle RBI saved-card and recurring rules in India?
India's RBI mandates that merchants cannot store full card details — only tokenized references via the card networks. Stripe handles tokenization automatically. For recurring payments, RBI requires explicit AFA (Additional Factor of Authentication) on the first charge and lets merchants store mandates for subsequent charges up to ₹15,000 without additional auth.
Should Indian businesses use Stripe or Razorpay?
For Indian-customer-only businesses, Razorpay is usually better — it has native UPI support (much cheaper than card processing) and deeper India-specific payment-method support. For Indian businesses serving global customers, Stripe is the better choice for international processing.
Are Stripe fees subject to GST in India?
Stripe charges 18% GST on processing fees in India (not on the principal — only on the fees themselves). This is shown separately on your invoice.

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