Stripe Fees for E-commerce

How Stripe fees compare across payment methods for e-commerce — cards vs Apple Pay vs Klarna vs Afterpay vs Cash App, and which to promote at checkout.

At a glance

Card / Apple Pay / Google Pay
2.9% + 30¢ (US)
Klarna (US)
5.99% + 30¢
Afterpay (US)
6.0% + 30¢
Cash App (US)
2.9% + 30¢
ACH
0.8% capped at $5

Different payment methods have very different fee structures. For e-commerce, the right mix depends on AOV (average order value), customer demographic, and conversion lift. A typical breakdown: card 2.9% + 30¢, Apple/Google Pay 2.9% + 30¢ (same as card), Klarna 5.99% + 30¢ (BNPL premium), Afterpay 6.0% + 30¢, Cash App 2.9% + 30¢, ACH 0.8% capped at $5.

Frequently asked questions

Is the higher Klarna/Afterpay rate worth it?
For higher-AOV products ($100+) and demographics where BNPL is normalized (Gen Z / younger millennials), yes — BNPL availability typically lifts conversion 15–30%. For lower-AOV transactions or audiences that don’t care, BNPL just bleeds margin. Run an A/B before assuming.
Does promoting Apple Pay reduce my Stripe fees?
No — Apple Pay is processed at the same rate as the underlying card. The benefit is conversion (Apple Pay one-tap checkout converts ~25–40% better than typed card details on mobile), not cost.
Should I add a "card surcharge" at checkout to recover Stripe fees?
In most US states and Canada, with proper disclosure: legal. In most of the EU and UK for B2C: illegal. Even where legal, surcharging tanks consumer conversion in many categories — typically only worth it for high-margin or "non-discretionary" purchases (utility bills, taxes, ticketing).

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