Stripe
Every customer sees the right way to pay.
Stripe's Payment Element shows each customer the payment methods most likely to convert — Apple Pay for iOS, iDEAL for the Dutch, SEPA for Germans, Revolut Pay for the Irish. One integration, localised automatically. 47 countries, 135 currencies, 100+ payment methods.
🇮🇪Irish consumer · iPhone
checkout.your-shop.ie
Order summary
Merino Crew Tee
Qty 2 · Size M
€86.00
Payment
Apple Pay
Recommended
Link
Card
Revolut Pay
Pay €86.00
Powered by Stripe · PCI-DSS Level 1
Ireland · iPhone 15 · 4 methods shown
Best-fit use cases
Where Stripe is the right call.
Dev-led teams
Best-in-class API + SDKs in 10+ languages. Stripe feels designed for developers — docs that explain, examples that work, errors that make sense.
Multi-country selling
47 countries, 135 currencies. Automatic currency conversion, local payment methods, local bank account payouts. The clear choice for cross-border.
Subscription businesses
Billing handles trials, proration, upgrades/downgrades, dunning (failed-payment recovery), tax calculation, invoicing. Saves months of build time.
Marketplaces + platforms
Stripe Connect routes payments to sellers, handles KYC/AML compliance, splits payments. The platform-payments solution.
Fraud-prone verticals
Radar ML-based fraud detection. Rules you can tune (block this BIN, challenge orders {'>'} €500). Chargeback response workflow built-in.
B2B invoicing + tax
Stripe Invoicing for quote-to-cash, Stripe Tax for automatic VAT/sales tax. Works across EU, UK, US, AU — no accountant needed for cross-border tax.
Beyond payments
Stripe's a platform now — here's what's in the suite.
Stripe started as card payments. It's now a financial OS. We integrate the modules that match your business; you don't have to use everything.
Payments
Core
Card + wallet + bank payments. Payment Element. 3D Secure. Optimised authorisation. The foundation.
Billing
Subscriptions
Recurring billing. Trials. Proration. Usage-based metering. Dunning. Customer Portal for self-service.
Connect
Platforms
Route payments to sellers/contractors. KYC + AML handled. Transfer groups. Split payments N ways.
Tax
Compliance
Automatic VAT/sales tax calculation + collection + remittance. EU, UK, US, AU, NZ, CA, JP, SG covered.
Radar
Fraud
ML-based fraud detection. Custom rules. Network intelligence from 30M+ businesses' traffic. Chargeback responses.
Terminal
In-person
Stripe-branded card readers, SDK for custom hardware. Unified online + in-person customer + payment data.
Issuing
Cards
Issue virtual + physical cards. Spend controls. Reimbursement workflows. Expense management for teams.
Atlas
Incorporation
Irish/UK/Delaware company formation with bank account + tax setup. Primarily for startups going global.
Climate
Sustainability
Round up transactions or allocate % of revenue to carbon removal purchases. Messaging for customers.
Pricing for Irish businesses
Stripe's Irish fee structure — plain English.
Fees change; check stripe.com for current rates. Below are typical rates as of Spring 2026 for Irish merchants to give you a working model.
EEA consumer card
1.5% + €0.25
Irish + EU card transactions. The cheapest bucket.
UK card (post-Brexit)
2.5% + €0.25
UK consumer + commercial cards — no longer EEA rates.
International card
3.25% + €0.25
Non-EEA cards (US, AU, APAC). Higher interchange costs abroad.
Commercial cards (B2B)
+0.5% surcharge
Additional on top of base rate — corporate card interchange is higher.
SEPA Direct Debit
0.8% · capped €5
Much cheaper than cards for EUR payments. Great for subscriptions.
Currency conversion
+2% markup
If customer pays in non-payout currency. Usually worth it for conversion rate.
Instant payouts (optional)
1% of payout
Standard payouts 2-7 business days free. Instant is faster at cost.
Disputes / chargebacks
€20 per dispute
Charged win or lose. Good Radar rules reduce these.
Heads up: These are Stripe's public rates. Volume-based custom pricing kicks in around €100k/mo — we can introduce you to a Stripe sales rep if your volume warrants it.
The honest view
When Stripe isn't the best fit.
High-ticket, low-margin businesses
1.5%+ on a €10k invoice is €150 — meaningful on tight margins. SEPA or bank transfer is near-free; push B2B customers to those where possible.
Cash-on-delivery / offline-first markets
Stripe is digital-native. Businesses where 60%+ of customers want cash or bank transfer still need the traditional rails too.
Restricted industries
Firearms, adult content, gambling, crypto, some supplements, pharmaceuticals — Stripe declines or requires special approval. Check their acceptable use policy first.
Account freezes without warning
Stripe can freeze accounts for risk review with little communication. Rare for established businesses but real. For business-critical payments, have a backup processor wired.
Small teams without dev resource
No-code checkout (Payment Links) works but you hit a ceiling fast. Without a developer, Shopify's payment integration or similar drag-drop commerce is friendlier.
EU-only businesses preferring EU vendors
Stripe Ireland Ltd is EU-based (headquartered in Dublin, even!) — but if "non-US-HQ processor" is a hard requirement, Adyen or Mollie may fit the procurement checklist better.
Frequently asked
Stripe questions.
Depends on the surface. One-off Payment Links: same day. Embedded Payment Element on a custom site: 3-7 days. Full subscription billing + customer portal: 2-4 weeks. Marketplace with Stripe Connect: 6-10 weeks. We scope after seeing your exact flow.
Is Stripe the right processor for you?
45-minute call — describe your volume, countries, flow, industry. We'll tell you if Stripe, PayPal, Revolut, or something else fits best.