Stripe fees in 2026 – what you need to know

Stripe payment services have been available to companies registered in Poland for several years and in 2026 they remain one of the most popular solutions for e-commerce. The operator has maintained its transparent pricing policy – it does not charge a setup fee or a monthly subscription fee, only a commission on each successful transaction. Below you will find a summary of current rates for the most commonly used payment methods.

Current Stripe Rates for 2026

Stripe settles transactions on a "pay-as-you-go" model. This means the commission consists of a small percentage of the payment value plus a fixed per-transaction fee. The table below summarizes the key rates in effect in 2026 for businesses selling in Poland:

Payment Type	Fee
EEA Cards (Visa, Mastercard)	1.5% + 1 PLN
Premium EEA Cards	1.9% + 1 PLN
UK Cards	2.5% + 1 PLN
International Cards (outside EEA)	3.25% + 1 PLN + 2% for currency conversion
BLIK	1.6% + 1 PLN
Przelewy24	1.9% + 1 PLN + 2% for currency conversion

Note: For currency payments, Stripe adds a 2% conversion fee. The fees listed apply to online sales and do not include any individually negotiated discounts for high sales volumes.

Additional Fees

- Instant payouts: 1% of the payout amount, minimum 2 PLN. Standard payouts within the Stripe schedule are free.
- Dispute (chargeback) fee: 90 PLN per filed claim (refunded if the merchant wins the dispute). An additional 90 PLN may be charged for manual documentation preparation. Under the Smart Disputes program, 30% of the dispute amount is charged, but only if the merchant wins – in case of a loss, the fee does not apply.
- Stripe Terminal (in-person payments): 1.4% for a successful EEA card transaction, 2.9% + 0.40 PLN for a non-EEA card, and 0.20 PLN for optional point-to-point encryption. Physical terminals are charged separately.

What Changed in 2026?

At the beginning of 2026, Stripe did not introduce significant changes to the commission-based billing model for Polish businesses. Rates for EEA cards, BLIK, and Przelewy24 remained at 2025 levels, and fees for international cards still stand at 3.25% + 1 PLN. However, it is worth noting that

- since August 2025, Stripe has been gradually moving some services, such as Revenue Recognition, to a subscription model; users must choose a plan before August 2026 to retain access,
- in mid-2025, new rules for dispute fees were introduced – each claim costs 90 PLN, but the fee is refunded if the merchant wins.

Summary

Stripe in 2026 continues to offer one of the most transparent and competitive pricing structures on the Polish payment gateway market. Fees for EEA cards (1.5% + 1 PLN), BLIK (1.6% + 1 PLN), and Przelewy24 (1.9% + 1 PLN) are attractive, especially compared to many local operators. The absence of setup and maintenance fees makes Stripe a favorable choice for small and medium online stores, and thanks to integrations with accounting systems (e.g., striptu and Fakturownia), invoicing can be further automated.

With the growing popularity of mobile payments and cross-border purchases, it is worth paying attention to currency conversion fees and disputes, as these can realistically impact business profitability. Regularly monitoring the pricing and adapting the platform to customer needs will help you fully leverage the opportunities that Stripe offers in 2026.