Stripe Terminal card terminal 2026: prices and costs
In October 2026, Stripe Terminal charges 1.4% + €0.10 on EEA cards with no monthly fee, and the WisePad 3 reader costs €59 + VAT. The solution is built for developers: it requires your own integration or a compatible point-of-sale system, and Tap to Pay costs €0.10 more per transaction. According to Stripe, many Finnish cards require a chip and PIN, in which case Tap to Pay is not enough.
Stripe Terminal: prices and terms
| Fact | Value |
|---|---|
| Domestic and EEA consumer cards | 1.40% + €0.10 |
| International cards | 2.90% |
| Mandatory monthly fee | €0 |
| Cheapest card reader | BBPOS WisePad 3, €59.00 |
| Settlement | Country-specific T+X settlement time; the value for Finland was not confirmed |
| Contract period | No fixed term |
| Cancellation | Pay-as-you-go, no contract period according to the pricing page. |
| Tap to Pay on your own phone | yes |
| MobilePay mentioned | not available |
| Payment links and online payments | Yes |
| Point-of-sale system | Own integration with the Terminal SDK or API, or hundreds of third-party point-of-sale systems. |
| Finnish-language support | not available |
| VAT basis | prices excl. VAT |
| Data checked | 16 October 2026 |
EEA cards 1.4% + €0.10, cards from outside the EEA 2.9% + €0.10; Tap to Pay +€0.10/authorisation; optional P2PE +€0.05/authorisation. No setup or monthly fees. Stripe Terminal is a developer tool: it requires your own integration (SDK/API) or a third-party point-of-sale system; without code, only Tap to Pay in the Stripe Dashboard mobile app. According to Stripe's documentation, the following are available in Finland: BBPOS WisePOS E, Stripe Reader T600/S710/S700, BBPOS WisePad 3, and Tap to Pay on iPhone and Android.
Stripe Terminal: devices
| Device | One-off price | Monthly rent | Details |
|---|---|---|---|
| Tap to Pay (iPhone and Android) | €0.00 | not available | No separate device; +€0.10 for every authorisation. According to Stripe's guidance, many Finnish cards are 'offline PIN only', so card payments that require a PIN do not work with Tap to Pay. |
| BBPOS WisePad 3 | €59.00 | not available | Mobile card reader, €59 excl. VAT. |
| BBPOS WisePOS E | €199.00 | not available | Smart reader, €199 excl. VAT. |
| Stripe Reader S700 / S710 | €259.00 | not available | €259 excl. VAT (S700 on the Terminal page, S710 on the pricing page; the S710 also has 4G). |
Calculate your own cost
Enter your card sales and average purchase in the card terminal calculator to see the monthly cost and the first-year cost of Stripe Terminal compared with the other providers. See all providers in the card terminal comparison.
See also
Sources
- Stripe Terminal | Unified Commerce Platformretrieved 16 October 2026
- Pricing & Fees | Striperetrieved 16 October 2026
- Select a reader | Stripe Documentationretrieved 16 October 2026
- Tap to Pay | Stripe Documentationretrieved 16 October 2026
- Payouts | Stripe Documentationretrieved 16 October 2026
Data checked 16 October 2026. Check the current price and terms with the provider.
Frequently asked questions
How much does the Stripe Terminal card terminal cost?
In October 2026, the mandatory monthly fee of Stripe Terminal is €0 and the cheapest card reader (BBPOS WisePad 3) costs €59.00 (prices excl. VAT). No fixed term. Note: Developer tool: requires an integration or a point-of-sale system.
How much does Stripe Terminal charge on card payments?
Domestic and EEA consumer cards: 1.40% + €0.10. International cards or cards from outside the EEA: 2.90%. The prices are standard prices for payments received in person (prices excl. VAT).
When does Stripe Terminal settle the money?
Country-specific T+X settlement time; the value for Finland was not confirmed.
Does Tap to Pay with Stripe Terminal work with Finnish cards?
According to the data, Stripe Terminal offers Tap to Pay on your own phone. According to Stripe's documentation, many cards in Finland are offline PIN cards, and entering the PIN requires physical contact with the device, which Tap to Pay does not support. The same limitation probably applies to other providers too, but this has not been checked (source: Stripe: Tap to Pay, retrieved 16 October 2026).