Understanding Stripe Fees (Simple Breakdown)

Stripe charges two types of fees when processing payments:

1. Payment Processing Fees (also called Transaction Fees)

These are the fees charged every time a payment is made.

They cover the cost of processing the transaction, such as:

• Credit card payments
• ACH / bank payments

Example:

For credit card payments, Stripe charges a transaction fee — typically around 2.9% + $0.30 per transaction

👉 These fees apply to every payment, no matter what.

2. Product Fees

These are additional fees based on how you use Stripe features.

They apply when using tools like:

• Recurring payments (subscriptions)
• Invoices sent to parents

Example:

• ~0.7% for subscriptions
• ~0.4% for one-time invoices

👉 These are separate from processing fees and are deducted from your Stripe balance (not always tied to a single payment).

Key Difference

• Processing fees → charged on every payment
• Product fees → charged only when using specific features (like subscriptions or invoicing)

Why This Matters

Sometimes payouts in Stripe may not match a single invoice exactly because:

• Processing fees are taken per payment
• Product fees may be deducted separately

Learn More About Stripe Fees

If you’d like a more detailed breakdown of Stripe’s pricing, you can visit Stripe’s official pricing page.