Overview
Stripe, at a glance.
Stripe is an e-money institution headquartered in the United States, regulated by Central Bank of Ireland, FCA, State regulators. The business account has no monthly fee. Opening an account takes 3–5 days.
Why businesses pick Stripe
- No setup fee and no monthly fee
- Open to companies in 44 countries
- Accepts cards and local payment methods through one integration
- Balances in USD, EUR and GBP, with payouts and card issuing
Watch out for
- Currency conversion costs from 1%
- Support is through the website and dashboard; no phone number is published
- Gambling, adult content, lending, travel and non-fiat currency are restricted or prohibited
- Trustpilot score of 1.6 from more than 17,000 reviews
Business fit
Will Stripe accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Stripe's published rules
Likely fit
Stripe lists both United Kingdom companies and Internet businesses and platforms as accepted.
Stripe does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Stripe publishes about the businesses it takes on.
Who Stripe serves
- E-commerce
- SaaS
- Marketplaces
- IT and software
- Professional services
All 6 industries on Stripe's accepted list
- Internet businesses and platforms
- SaaS and software
- E-commerce
- Marketplaces
- Professional and digital services
- Global businesses needing payments, payouts and treasury management
Not supported
Industries and countries Stripe does not accept, from its own published lists.
Industries
- Illegal products and services
- Adult content and services
- Debt relief
- Certain financial products and services
- Gambling
- Government services
- Identity services
- Illegal weapons, explosives and dangerous materials
- Products and services that infringe intellectual property
- Certain legal services
- Lending and credit
- Marijuana
- Nutraceuticals and pseudo-pharmaceuticals
- Non-fiat currency
- Travel
- Unfair, deceptive or abusive practices
Countries
- Not published
Coverage
Where can you use Stripe?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD, EUR and GBP balances
- USD
- EUR
- GBP
Payment reach
Not published
Who can apply
Company incorporation countries44 countries · show list
- Australia
- Austria
- Belgium
- Brazil
- Bulgaria
- Canada
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Gibraltar
- Greece
- Hong Kong SAR China
- Hungary
- Ireland
- Italy
- Japan
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malaysia
- Malta
- Mexico
- Netherlands
- New Zealand
- Norway
- Poland
- Portugal
- Romania
- Singapore
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Thailand
- United Arab Emirates
- United Kingdom
- United States
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Stripe cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
Free
Standard
$0 per month
$0 setup · $0 in year one
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | From 1% | Percentage of the amount |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Create an account
Sign up online and choose the country of your company.
- 2
Company details
Enter the legal entity, tax ID, business address, website and phone number.
- 3
Identity and bank account
Provide a government ID and a bank account in the chosen country.
- 4
Review
Stripe reviews the account and may ask for more information.
Documents you need
- Legal-entity/company information and tax ID
- Government ID (the article says it may be from any country)
- Proof/details of physical business location
- Phone number and working website
- Bank-account details in the selected country and supported currency
- Additional information requested during review
FAQ
Your questions, answered.
Is Stripe a bank?
No. In Europe, Stripe Technology Europe Limited is an e-money institution authorised by the Central Bank of Ireland, reference C187865, and Stripe Payments UK Ltd is authorised by the FCA, reference 900461. In the United States, Stripe Payments Company is a licensed money transmitter.
How much does Stripe cost?
There is no setup fee and no monthly fee. Stripe charges per payment, at rates that differ by country and payment method, and currency conversion costs from 1%.
Which countries can open a Stripe account?
Companies in 44 countries, including the United States, the United Kingdom, most of the European Union, Switzerland, the United Arab Emirates, Hong Kong, Singapore, Japan and Australia.
Which businesses does Stripe not accept?
Its restricted-businesses list includes adult content, debt relief, gambling, lending and credit, marijuana, non-fiat currency, travel and nutraceuticals.
Does Stripe offer cards?
Yes. Stripe Issuing provides virtual and physical cards for eligible businesses.
Alternatives
How Stripe compares.
If Stripe is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 StripeThis pageE-money institution |    | Online paymentsDeveloper platform |
 Checkout.comE-money institution |  | Enterprise paymentsCard issuing |
| WorldpayPayment institution |  | Card machinesOnline payments |
 PayntE-money institution |  | AcquiringPayment gateway |
 AirwallexE-money institution |  | Global accountsOnline businesses |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.