Stripe Identity, Issuing, Treasury & Sigma — Advanced Product Fees

Pricing for Stripe's advanced products that aren't modeled in the calculator engine — Identity (KYC), Issuing (card issuance), Treasury (banking-as-a-service), Sigma (data analytics), and Capital (lending). Per-feature fees and when they apply.

At a glance

Stripe Identity
$1.50 per verification
Stripe Issuing — virtual cards
$0/month + per-transaction interchange margin
Stripe Issuing — physical cards
$3/month per card + interchange
Stripe Treasury — per ACH
$0.50
Stripe Treasury — per wire
$0.10 received / $5 sent
Stripe Sigma
$0.02 per query (varies by plan)
Stripe Capital
Revenue-based — no per-transaction fee

Beyond standard processing, Stripe sells several advanced products that are out of scope for a typical fee calculator but worth understanding for businesses considering them. Stripe Identity charges $1.50 per verification. Stripe Issuing charges per-card monthly fees plus interchange. Stripe Treasury charges per-transfer fees. Stripe Sigma charges per-query for data warehouse access. Stripe Capital uses revenue-based repayment with no per-transaction fee. None of these affect the standard processing fee calculation — they're separately priced add-ons.

Frequently asked questions

When does Stripe Identity make sense?
Stripe Identity is useful when you need KYC verification — marketplace seller onboarding, regulated B2C (financial services, betting, regulated commerce), high-trust account creation. At $1.50 per verification, it's competitive with standalone KYC providers like Persona or Onfido. For low-volume / occasional verifications, alternative providers may be cheaper; at high volume, Stripe Identity is competitive.
Should I use Stripe Issuing to give cards to my employees?
Stripe Issuing is purpose-built for issuing branded payment cards (employee expense cards, fintech app cards, marketplace payouts). For typical SaaS expense management, dedicated providers like Brex or Ramp are usually a better fit (more software around the cards). Issuing wins when you're embedding card issuance into your own product — fintech apps, marketplaces with seller debit cards, or expense-management SaaS.
What is Stripe Treasury?
Stripe Treasury is banking-as-a-service — you can build banking features (account holding, ACH/wire transfers, debit cards) into your own product on top of Stripe's rails. Useful for fintech apps and embedded financial products. Pricing is per-transfer ($0.50 ACH, $5 wire) plus optional cards via Issuing. Not relevant for typical SaaS or e-commerce.
Is Stripe Sigma worth $0.02 per query?
Stripe Sigma gives you SQL access to your Stripe transaction data via a data warehouse interface. At $0.02 per query, it's cheap if you have a few analytics queries running daily. Expensive if you're running thousands of automated queries. For most businesses, Sigma is cheaper than building your own ETL from Stripe's API; for very-high-frequency analytics, exporting via the API and running on your own warehouse is cheaper.
How does Stripe Capital pricing work?
Stripe Capital is a revenue-based loan product — you receive a lump sum and Stripe deducts a fixed percentage of every transaction until the loan is repaid (plus a flat fee). There's no per-transaction Stripe Capital fee on top of standard processing. Pricing is loan-specific and varies by your business profile.

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