Payment Fees
Understand credit card and ACH bank transfer processing fees.
Service Invoice Pro charges no platform fee on payments. The only fees are Stripe’s standard processing rates, which are charged per transaction.
Fee Summary
| Payment Method | Fee | Example ($500 invoice) |
|---|---|---|
| Credit/debit card | 2.9% + 30¢ | $14.80 |
| ACH bank transfer | 0.8% (capped at $5) | $4.00 |
Credit/Debit Card Fees
Rate: 2.9% + 30¢ per transaction.
The fee is a percentage of the transaction amount plus a flat 30-cent charge.
Examples
| Invoice Amount | Fee Calculation | You Receive |
|---|---|---|
| $100.00 | ($100 x 2.9%) + $0.30 = $3.20 | $96.80 |
| $500.00 | ($500 x 2.9%) + $0.30 = $14.80 | $485.20 |
| $1,000.00 | ($1,000 x 2.9%) + $0.30 = $29.30 | $970.70 |
ACH Bank Transfer Fees
Rate: 0.8% (capped at $5) per transaction.
ACH fees are a percentage of the transaction amount, capped at a maximum of $5.00 per transaction. This makes ACH significantly cheaper for larger invoices.
Examples
| Invoice Amount | Fee Calculation | You Receive |
|---|---|---|
| $100.00 | $100 x 0.8% = $0.80 | $99.20 |
| $500.00 | $500 x 0.8% = $4.00 | $496.00 |
| $1,000.00 | $1,000 x 0.8% = $8.00 → capped at $5.00 | $995.00 |
The $5.00 cap kicks in at invoice amounts above $625.00, making ACH the most cost-effective option for larger invoices.
Card vs. ACH Comparison
| Card | ACH | |
|---|---|---|
| Fee | 2.9% + 30¢ | 0.8% (capped at $5) |
| Max fee | No cap | $5.00 |
| Processing time | Instant | 3-5 business days |
| Best for | Small invoices, fast payment | Large invoices, lower fees |
Who Pays the Fee?
Stripe’s processing fees are deducted from the payment before it reaches your bank account. Your customer always pays the full invoice amount — they don’t see or pay the processing fee.
For example, on a $500 card payment:
- Your customer pays: $500.00
- Stripe deducts: $14.80
- You receive: $485.20
Tips
- For invoices over $625, ACH saves you money compared to card payments. Consider letting your customers know ACH is an option.
- Stripe handles all payment processing, fraud protection, and compliance. You don’t need to handle any sensitive payment data.
- You can view detailed fee breakdowns for each transaction in your Stripe Dashboard .
Related
- Stripe Connect Setup — connect your Stripe account
- Accepting Online Payments — how the payment flow works
- Free vs Pro — compare plans