Connecting Stripe to your Studio Ninja account allows you to accept secure online payments through credit cards, Google Pay, and Apple Pay.
With the new integration, you can also pass on surcharges to clients, accept tips, and more — making payments faster and more flexible for both you and your clients.
If you’re currently using the old Stripe integration, don’t worry. Once you connect to the new integration, your old one will be automatically disconnected — no extra steps required.
Important Notes:
Region-Specific Instructions: The onboarding flow and screenshots in this guide are for US users. Steps may differ depending on your country or business type.
New Sub-Account: A new sub-account will be created in your Stripe account when you connect. Your previous sub-account will remain accessible at all times.
Payouts:
Automatic payouts from Stripe to your bank account usually take up to 7 days (except in Brazil, where they may take up to 30 days).
Manual payouts are also available if you prefer more control.
Step 1: Connect Stripe
Go to Settings > Payment Methods > Pay by Card in your Studio Ninja account.
Click the "Connect" button on the Stripe section.
Step 2: Complete the Onboarding Process
The Stripe onboarding process will guide you through setting up or linking your Stripe account.
1. Login to Stripe
You’ll be prompted to enter your Stripe login details:
Email Address
Password
Note: If you don’t have a Stripe account, you can create one during this step.
2. Select the location and type of your business
Country: For example, United States.
Business Type and Structure: Choose from options like Company or Sole Proprietorship.
Note: If you're unsure, refer to the on-screen guidance provided by Stripe.
3. Enter Business Details
Provide detailed information about your business, including:
Legal Business Name
Employer Identification Number (EIN) or Social Security Number (if applicable)
Business Address
Industry
Business Website (optional)
Product Description (briefly describe what you sell or offer).
4. Verify Personal Information
Stripe requires personal details for account verification:
Full Legal Name
Email Address
Date of Birth
Home Address
5. Add Bank Account for Payouts
Provide your bank account details to receive payments:
Routing Number
Account Number
Confirm the account information and click Continue.
6. Public Customer Details
Enter the details that will be visible to your customers:
Statement Descriptor (e.g., Photography Services)
Customer Support Information (email or phone for support inquiries).
7. Review and Submit
Stripe will show a summary of your information. Make sure all fields are completed:
Business Details
Public Details
Payout Details
Incomplete sections will be highlighted for correction. Once all information is complete, submit your application.
ID verification
You may be required to verify your ID. There are 3 steps involved:
Take a photo of the front of your ID
Take a photo of the back of your ID
Take a selfie
Stripe will verify whether your selfie matches the photo on your ID.
What happens next?
Once you're connected:
Studio Ninja will confirm that Stripe is connected and ready to take payments.
A "Pay by Credit Card" button will now appear on your invoices in the Client Portal, allowing your clients to make payments online.
If you have previously connected your Stripe account to Studio Ninja, you’ll be prompted to either reconnect the same account or create a new one.
Integrations with Xero (Optional)
If your Studio Ninja account is also connected to Xero, you’ll need to assign a Xero account for handling specific payment types supported by Stripe (e.g., refunded payments). Once selected, save your preferences to complete the setup.
Stripe fees in different countries
Stripe’s fees vary depending on the country you’ve set for your Stripe account. These fees are charged for every transaction, whether it’s a local or international payment. Here’s a breakdown to help you understand the standard rates across various regions.
How Fees Are Calculated
Stripe charges a percentage of each transaction plus a fixed fee. The rates depend on whether the transaction is local (processed within your country) or international.
Stripe Fee Rates by Country
Country | Standard Fee Rate (Local) | International fee | Other cases |
Australia
 | 1.75% + 30¢ (local) | 3.5% + 30¢ | - |
Austria
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Belgium
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Brazil
 | 3.99% + R$0.39 (BRL) + 2% for transactions with international cards, Stripe will charge the User a fee corresponding to the percentage applied above on the transaction amount (after conversion to local currency). | - | - |
Bulgaria
 | 1.5% + BGN0.50 (EU cards) | 3.25% + BGN0.50 | 2.5% + BGN0.50 |
Canada
 | 2.9% + C$0.30 + 0.5% for manually entered cards + 0.8% for international cards* + 2% if currency conversion is required | - | - |
Croatia
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Cyprus
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Czech Republic
 | 1.5% + 6.50Kč (EU cards) | 3.25% + 6.50Kč | 2.5% + 6.50Kč |
Denmark
 | 1.5% + 1.80kr (EU cards) | 3.25% + 1.80kr | 2.5% + 1.80kr |
Estonia
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Finland
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
France
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Germany
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Gibraltar
 | 1.5% + 20p (local) | 3.25% + 20p | 2.5% + 20p |
Greece
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Hong Kong
 | 3.4% + HK$2.35 (local) | - | 3.4% + US$0.30 |
Hungary
 | 1.5% + 85.00Ft (EU cards) | 3.25% + 85.00Ft | 2.5% + 85.00Ft |
India
 | 2% |
| 3% |
Ireland
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Italy
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Japan
 | 3.6% per successful charge for domestic cards + 2% if currency conversion is required | - | - |
Latvia
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Liechtenstein
 | 1.5% + CHF0.30 (EU cards) | 3.25% + CHF0.30 | 2.5% + CHF0.30 |
Lithuania
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Luxembourg
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Malaysia
 | 3% + RM1.00 per successful charge for domestic cards + 1% for international cards | - | - |
Malta
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Mexico
 | 3.6% + MXN$3.00 + 0.5% for international cards | - | - |
Netherlands
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
New Zealand
 | 2.7% + NZ$0.30 (local) | 3.7% + NZ$0.30 | - |
Norway
 | 2.4% + 2.00kr | 3.25% + 2.00kr | 2.4% + 2.00kr |
Poland
 | 1.5% + 1.00zł (EU cards) | 3.25% + 1.00zł | 2.5% + 1.00zł |
Portugal
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Romania
 | 1.5% + 1.00lei (EU cards) | 3.25% + 1.00lei | 2.5% + 1.00lei |
Singapore
 | 3.4% + S$0.50 | - | 3.4% + $0.50 |
Slovakia
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Slovenia
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Spain
 | 1.5% + €0.25 (EU cards) | 3.25% + €0.25 | 2.5% + €0.25 |
Sweden
 | 1.5% + 1.80kr (EU cards) | 3.25% + 1.80kr | 2.5% + 1.80kr |
Switzerland
 | 2.9% + CHF0.30 | 3.25% + CHF0.30 | - |
Thailand
 | 3.65% + ฿10.00 | 4.75% + ฿10.00 | - |
United Arab Emirates
 | 2.9% + AED1.00 + 1% for international cards + 1% if currency conversion is required | - | - |
United Kingdom
 | 1.5% + 20p (UK cards) | 3.25% + 20p | 2.5% + 20p |
United States
 | 2.9% + 30¢ + 0.5% for manually entered cards + 1.5% for international cards | - | - |