Comparing credit card vs ACH costs across transaction amounts up to $300, assuming a flat fee charged to the customer.
Credit card (2.9% + 30¢)
Customer pays
$153.50
Stripe fee (our cost)
$4.75
We net
$148.75
Margin on fee: −$1.25
ACH (0.8%, $5 cap)
Customer pays
$153.50
Stripe fee (our cost)
$1.23
We net
$152.27
Margin on fee: +$2.27
Our net margin on the customer fee, by transaction size