Stripe card reader review 2026: tap to pay fees and rating
Broadest country coverage in Europe (30 markets), but SDK-first: there is no ready-made merchant app, integration happens in code.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Stripe offers Stripe Tap to Pay (part of Stripe Terminal) for iOS + Android. Transaction fee: from 2.70% + 5 ¢; monthly fee: none. Security certification: PCI DSS. Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia.
Stripe terms in full
| Product name | Stripe Tap to Pay (part of Stripe Terminal) |
|---|---|
| Provider type | SDK / white label |
| Headquarters | Ireland (Dublin) / USA (South San Francisco) |
| Founded | 2010 |
| Platforms | both (Tap to Pay on iPhone; NFC Android incl. Sunmi/Elo) |
| Certification | PCI DSS Level 1 |
| Transaction fee | DE per secondary source 1.5% + 0.25 EUR for card-present payments; officially market-dependent |
| Monthly fee | 0 EUR |
| Setup cost | 0 EUR |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, American Express, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Platforms, marketplaces, ISVs and developer-led merchants |
| Available markets | Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UK |
| Website | stripe.com |
| Data source | Open primary source ↗ |
Alternatives to Stripe
Comparable providers in Europe:
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Viva.com — from 1.16%, Rating 1.6
- SumUp — from 0.99%, Rating 1.6
- myPOS — from 1.10%, Rating 1.6
- Rubean AG — from 0.89%, Rating 1.7
Compare all providers in Europe →
Stripe head to head
These comparisons put Stripe against one specific rival, with the published conditions of both sides next to each other:
- Stripe or Square? fees, monthly cost, certification and rating
Alternatives to Stripe: who else is worth a look →
Frequently asked questions
Stripe tap to pay: do I need any extra hardware?
Stripe delivers tap to pay as an SDK or white-label product: banks, platforms and payment providers build it into their own apps. Depending on the market you may meet it under the Stripe name or under someone else's. Supported platforms: iOS + Android.
Which countries is Stripe available in?
By our records: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UK. Availability changes, and the date above the table is when we last checked.