Credit & debit cards
Familiar checkout for domestic cards, Apple Pay, Google Pay, and Link.
2.9% + 30¢*
Per successful domestic online card transaction.
Processor fee on $100$3.20*Best for everyday payments
Transparent payment pricing
Know what every payment costs.
A straightforward breakdown of card, buy now pay later, ACH, and other processing fees—before your customer pays.
Example payment
$100.00
Card processing− $3.20*
BetterFlow fee− $1.25
Estimated net$95.55*
* Domestic online card estimate. Actual processor fees can vary; see the fee disclaimer below.
Choose the right way to get paid
Lower-cost methods can protect your margin. Flexible methods can help customers say yes to larger jobs. Here is the tradeoff at a glance.
Buy now, pay later
Let customers split larger purchases into installments while your business is paid up front.
From 5.99% + 30¢*
Klarna is 5.99% + 30¢; Affirm and Cash App Afterpay are 6% + 30¢.
Processor fee on $100From $6.29*Best for higher-ticket work
ACH Direct Debit
Collect directly from a U.S. bank account for a lower percentage fee.
0.8%*
Capped at $5 per successful payment.
Processor fee on $100$0.80*Best for large invoices
* Processor rates are estimates and may vary. See the fee disclaimer below.
BetterFlow platform fee
This supports the connected workflow around every payment: invoices, payment links, customer history, status tracking, and follow-up. It is separate from the processor fee for the payment method used.
1.25%$2 minimum when the payment is under $35
The platform fee is calculated from the payment amount. A $100 payment adds a $1.25 BetterFlow fee; a $25 payment adds the $2 minimum.
Other fees you may encounter
These apply only when the related card, currency, payout, or dispute condition occurs.
| Payment or event | Processor fee | What to know |
|---|---|---|
| Digital walletsApple Pay, Google Pay, Link | Same as the underlying card* | For a domestic online card, that is typically 2.9% + 30¢. |
| Manually entered cards | + 0.5%* | Added to the standard card rate when card details are keyed in. |
| International cards | + 1.5%* | Added when the customer pays with an international card. |
| Currency conversion | + 1%* | Added when currency conversion is required. |
| Instant bank payments | 2.6% + 30¢* | Bank payment with confirmation speed closer to cards. |
| Stablecoin payments | 1.5%* | Includes conversion to fiat and related screening services. |
| Instant Payouts | 1% of payout* | Optional; standard payout timing can avoid this fee. |
| Payment dispute received | $15* | A separate $15 fee can apply if you manually counter the dispute; that counter fee is returned when you win. |
*
Processor fee disclaimer. Rates shown are estimates based on Stripe’s published U.S. standard pricing as of September 1, 2026 and are subject to change. Actual availability, pricing, additional fees, promotional rates, and transaction eligibility may vary by country, business type, payment method, card origin, currency, connected-account terms, processing volume, and custom pricing. Payment methods and rates are subject to Stripe’s approval, eligibility requirements, terms, and discretion. Review your Stripe Dashboard and current Stripe terms for the fees that apply to your account.
Quick estimate
See the cost before you collect.
Enter an amount and compare the estimated combined processor and BetterFlow fees.
$
Card processing$3.20
BetterFlow platform fee$1.25
Estimated net$95.55
Estimate only. Additional international, conversion, manually entered card, dispute, or payout fees are not included.
Common questions
What business owners usually want to know before turning on payments.
Does my customer pay these fees?
Processing and platform fees are deducted from the payment before the remaining funds are paid out to your business. Whether you build those costs into your prices is your decision and may be subject to local card-surcharge rules.
Why does buy now, pay later cost more?
The provider takes on installment servicing and customer repayment risk. In exchange, your business generally receives the purchase amount up front, less fees.
When is ACH a good choice?
ACH can be especially cost effective for large invoices because its processor fee is capped at $5. Bank debits can take longer to confirm and can still be returned, so timing matters.
Are refunds free?
Refund handling depends on your Stripe account and payment method. In many cases the original processing fee is not returned. Check your Stripe Dashboard and current processor terms before issuing a refund.
Payments that stay connected to the work.
Collect from invoices and payment links, then keep the status with the customer and job in BetterFlow.