Stripe Wire Transfer Fees

Wire transfer support on Stripe — incoming wire fees, supported countries, and when wire makes sense vs ACH or card.

At a glance

Typical incoming wire fee
$1–$8 (negotiated)
Settlement time
Same day to next day
Best for
High-ticket international B2B
Worst for
Anything under ~$1,000

Stripe supports incoming wire transfers as a payment method, primarily for B2B and high-ticket transactions. Fees vary by region — typically a flat $1–$8 per incoming wire — but Stripe doesn’t publicly list wire fees on most pricing pages because they’re negotiated per merchant.

Frequently asked questions

When should I take wire transfer instead of ACH?
For very high-ticket international transactions where settlement speed matters — wires settle same-day to next-day vs ACH 3–5 business days. Wires are also irreversible (no return-window), which is valuable for high-ticket sales. The flat fee structure means wires beat cards for any transaction over $300 or so.

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