Stripe alternative

1.5% Blended Pricing. Or Interchange Pass-Through.

Stripe's Danish standard price is 1.5% + DKK 1.80 for standard EEA cards and 2.8% + DKK 1.80 for premium EEA cards. For consumer debit transactions covered by Regulation (EU) 2015/751, interchange is capped at 0.20%, although interchange is only one part of total processing cost. Cost+ passes through interchange and card scheme fees, then adds a 0.50% margin and EUR 0.15 per authorization.
See your exact rate
Stripe
Merchant eligibility

Use Stripe's Published Business Categories

Stripe publishes separate prohibited and restricted business categories. Its page says prohibited categories cannot use Stripe, while restricted categories require additional due diligence and might not be approved. Merchants should check the current list for their precise business, product and jurisdiction. Cost+ considers specialist merchants subject to underwriting and risk assessment.
Stripe
Why Cost+

Compare Standard Blended Pricing With IC++

Stripe sets rates by card category

On Stripe's Danish standard price list, standard EEA cards cost 1.5% + DKK 1.80, premium EEA cards cost 2.8% + DKK 1.80, UK cards cost 2.5% + DKK 1.80 and international cards cost 3.15% + DKK 1.80. Currency conversion adds 2% where required.

The regulatory cap applies to interchange

Regulation (EU) 2015/751 caps interchange at 0.20% for covered consumer debit transactions and 0.30% for covered consumer credit transactions. Those caps do not represent the merchant's total processing cost.

Cost+ itemizes the underlying components

Cost+ passes through actual interchange and card scheme fees, then adds a 0.50% margin and EUR 0.15 per authorization. Gateway, acquiring and 3DS are covered, with no monthly fee.
Fee comparison

Cost+ and Stripe Side by Side

Stripe figures in this table come from its Danish standard price list and use DKK. Custom pricing can differ.
Feature
Cost+
Stripe, Danish price list
Standard EEA cards
Interchange + scheme fee + 0.50% + EUR 0.15 per authorization
1.5% + DKK 1.80
Premium EEA cards
The same IC++ formula, with actual interchange and scheme fees passed through
2.8% + DKK 1.80
UK cards
The same IC++ formula, with actual interchange and scheme fees passed through
2.5% + DKK 1.80, plus 2% if currency conversion is required
International cards
The same IC++ formula, with actual interchange and scheme fees passed through
3.15% + DKK 1.80, plus 2% if currency conversion is required
Monthly fee on standard pricing
0
0
MobilePay on the Danish local-method price list
Zero monthly subscription with IC++ pricing; optional flat-fee agreement for eligible low-risk merchants
1.5% + DKK 2.80, plus 2% if currency conversion is required, plus DKK 35/month for Danish businesses
Card refunds on standard pricing
EUR 0.25
No fee to issue the refund; original payment processing, Connect and currency conversion fees are not returned
Card disputes
EUR 30
DKK 200 for each dispute received + DKK 200 for each manually countered dispute; the countered fee is returned if won; rare network fees may also apply
3D Secure on standard pricing
Included
Included at no additional charge
Pricing model
IC++ itemized for every merchant
Standard blended pricing by card category; IC+ is listed under custom pricing available through sales
Your own card mix

See Your Exact Rate

Use the fee calculator to compare your own card categories, transaction count, average basket and currency mix.
Open the fee calculator
Leon Marti
Jul 29, 2025

“The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.”
IC++ BREAKDOWN

How Our Pricing Works

Every Cost+ transaction is broken down into four transparent components:
Interchange
Set by Visa/Mastercard
Card Scheme Fee
Network Cost
Your Total Cost
Nothing else
0.50% Margin
Our Markup
€0.15 Auth Fee
Authorization Cost
Cost+ vs. Stripe

Frequently Asked Questions

Answers based on Stripe's Danish and Finnish price lists, EU interchange regulation and Stripe's restricted-business page.
Stripe charges by card category on its Danish standard price list: 1.5% + DKK 1.80 for standard EEA cards, 2.8% + DKK 1.80 for premium EEA cards, 2.5% + DKK 1.80 for UK cards and 3.15% + DKK 1.80 for international cards. UK and international cards add 2% if currency conversion is required. Standard pricing has no setup or monthly fee, and 3D Secure is included at no additional charge.
This example uses Stripe's Finnish EUR price list, not its Danish DKK list. Assumptions: 20,000 transactions/year, averaging 1,666.67 per month, at an average basket of EUR 25; EUR 500,000/year and an average EUR 41,666.67/month; 100% standard EEA consumer debit cards; and no currency conversion. Stripe is (EUR 500,000 x 1.5%) + (20,000 x EUR 0.25) = EUR 12,500/year. Averaged across 12 months, that is EUR 625 in percentage fees + EUR 416.67 in fixed fees = EUR 1,041.67/month, rounded to cents. For Cost+, assuming 0.20% interchange, 0.10% scheme fee and the 0.50% margin, the calculation is EUR 4,000 + EUR 3,000 = EUR 7,000/year, or an average EUR 333.33 + EUR 250 = EUR 583.33/month, rounded to cents.
Stripe's Danish local-payment-method page lists MobilePay at 1.5% + DKK 2.80, plus 2% if currency conversion is required and DKK 35/month for Danish businesses. Cost+ offers MobilePay with zero monthly subscription under IC++ pricing, with an optional flat-fee agreement for eligible low-risk merchants.
On standard pricing, Stripe says there is no fee to issue a card refund, but the original payment processing, Connect and currency conversion fees are not returned. Stripe's Danish dispute price is DKK 200 for each dispute received plus DKK 200 for each dispute manually countered. The countered fee is returned for a won dispute, and Stripe notes that rare network fees may also apply.
Stripe says prohibited categories cannot use its services. Restricted categories require additional due diligence, and Stripe might not approve them. The list is representative rather than exhaustive and includes jurisdiction-specific rules, so merchants should check Stripe's current page for their exact product, business model and country. Cost+ considers specialist merchants subject to underwriting and risk assessment.

Stripe prices, regulatory context and business restrictions last verified on . against Stripe's Danish price list, Stripe's Danish local payment methods pricing, Stripe's Finnish price list, Regulation (EU) 2015/751, Stripe's prohibited and restricted businesses list. The comparison table uses Stripe's Danish DKK prices. The worked EUR example is separately labelled and uses Stripe's Finnish EUR price list. Stripe says tax may be charged depending on location and business or tax status. Prices, terms and business restrictions may change after the verification date. Stripe's word mark is registered, and Stripe and related marks are property of their respective owners. Cost+ (Costplus OÜ) is not affiliated with, endorsed by or sponsored by Stripe.

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