How AU Businesses Should Set Up Payments in HubSpot Using Stripe

Let's clear up the most common confusion first, because it'll save you a lot of wasted reading.

If you've been comparing "HubSpot Payments vs Stripe" to work out which one your Australian business should use - there's nothing to compare. HubSpot's own native payment processing, HubSpot Payments, is only available in the US, UK, and Canada. Not Australia. Not New Zealand.

So for ANZ businesses, the question isn't which payment option to use. It's how to set up the one that's actually available to you, Stripe, and that's genuinely good news, because Stripe is excellent and most of you are probably already using it.

Here's how it works and how to set it up properly.

Why Stripe Is the Path for ANZ (And Why That's Fine)

HubSpot processes payments two ways. HubSpot Payments is the native option, and it's geographically limited to the US, UK, and Canada. Stripe payment processing is the global option, available in most countries Stripe supports, which very much includes Australia and New Zealand.

When you process payments through HubSpot using Stripe, you keep your existing Stripe account and your existing Stripe processing rates. HubSpot adds a 0.75% platform fee on top for the connection and the billing tools it unlocks - quotes, invoices, subscriptions, payment links, all tied to your CRM.

That platform fee is the cost of the integration. What you're buying for it is the thing that makes this worth doing at all: every payment, every invoice, every subscription tied directly to the contact, company, and deal it belongs to. No more reconciling Stripe against your CRM by hand. No more sales reps who can't see whether a client has actually paid.

So the framing isn't "we're stuck with Stripe because Payments isn't available." It's "we use the globally available option, which we already trust, and connect it to our CRM." That's a good position, not a compromise.

What You Can Do Once Stripe is Connected

Connecting Stripe to HubSpot unlocks the full set of Revenue Hub billing tools (Revenue Hub is the new name for what used to be Commerce Hub, renamed in June 2026). Here's what becomes available:

Payment links - shareable URLs that send a customer to a hosted checkout. They pay, and the transaction logs automatically against their contact record.

Invoices - native invoicing with online payment collection, tied to contacts, companies, and deals. One-off or recurring.

Quotes with payment - build a quote, the client signs it electronically, and they can pay it on the spot. A signed quote can automatically advance the deal stage.

Subscriptions - recurring billing for retainers, memberships, or anything on a regular cycle. Add a recurring line item to a payment link or quote and HubSpot creates a subscription to collect the scheduled payments.

Stripe in our region supports card payments, and the transactions flow back into HubSpot so the whole team can see payment status without leaving the CRM.

How to Connect Stripe to HubSpot

The setup is genuinely straightforward. Here's the sequence:

Step 1 - Go to your payment settings. In HubSpot, click the Settings gear icon in the top navigation, then find Payments under the Commerce (now Revenue) section in the left sidebar.

Step 2 - Connect Stripe. Click to connect Stripe and sign in to your Stripe dashboard. If you don't have a Stripe account yet, you'll create one as part of this — but most ANZ businesses already have one.

Step 3 - Authorise the connection. You'll grant HubSpot permission to create charges, manage subscriptions, and access customer data in Stripe. This is what allows the two systems to talk.

Step 4 - Verify it's connected. Once done, the Payments settings page should show your Stripe account name and a green "Connected" status. If it doesn't, the connection didn't complete - reconnect before going further.

Step 5 — Set your defaults. Set your default currency in your account settings (AUD or NZD as relevant). Confirm your payout schedule is managed in your Stripe dashboard, which is where Stripe payouts live.

Set Up Your Product Library First

Before you start sending payment links or building quotes, get your product library in order. This is the step people skip and regret.

Your product library in HubSpot feeds your quotes, checkout pages, and payment links. Before configuring any of those, enter your products or services with - at minimum - the name, description, price, and whether each is a one-time or recurring charge.

If you're also connecting Xero (which most ANZ businesses should — see our separate guide on that), your product catalogue can sync from Xero into HubSpot so you're working from one list rather than maintaining two. Set that up first and your products arrive ready to use.

A note on tax: HubSpot lets you set tax rates at the product level or apply them at checkout. If you're connecting Xero, your GST rates import automatically when you install that integration, which saves configuring them by hand.

The Cost Reality, Honestly

Here's the part worth modelling before you commit to processing significant volume through HubSpot.

You'll pay Stripe's standard processing rates plus HubSpot's 0.75% platform fee. For a business processing modest volume, that platform fee is negligible against the time saved by having payments connected to the CRM.

For a business processing significant monthly volume, the fees become a real number worth calculating. The platform fee is a percentage, so it scales with what you process. At meaningful volume, the question becomes whether the CRM integration is worth the platform fee compared to running Stripe standalone and reconciling manually. For most businesses already living in HubSpot, the answer is yes - the time saved and the visibility gained outweigh the fee. But it's a calculation worth doing with your actual numbers rather than assuming.

The Bottom Line

For Australian and New Zealand businesses, there's no "HubSpot Payments vs Stripe" decision to agonise over - HubSpot Payments isn't available here, so Stripe is the path. And it's a good path: you keep the processor you already trust, connect it to your CRM, and unlock the full set of quoting, invoicing, and subscription tools with everything tied to your customer data.

Set up the product library first, connect Stripe properly, model the fees against your actual volume, and you've got a payment system that does what a standalone processor never could - tells your whole team what's been paid, by whom, against which deal.

Want help setting this up without the trial-and-error? Give us a shout.

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