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FeeLensDemo

Fee Intelligence

Your true Stripe costs, broken down. Updated daily.

Effective Rate
3.24%
Industry avg 2.90%+0.08%
Fees Paid
$3,895
this month
Volume
$120,200
847 transactions
Overpaying by
+0.34%
$409 excess fees/mo

Fee Breakdown

Where your fees come from

Visa
$2,010
Mastercard
$833
Amex
$664
Discover
$125

By Card Brand

Ranked by fee impact

Visa
2.91%
$2,010 fees486 txns
Mastercard
2.97%
$833 fees196 txns
Amex
3.49%
$664 fees112 txns
Discover
2.98%
$125 fees53 txns

Fee Leakage

Hidden costs beyond Stripe's nominal rate

$558
total/month
International volume x 1.5% surcharge = $361/month in fees above your base rate.
Amex volume x (3.5% - 2.9%) = $114/month in excess fees vs if the same spend were on Visa.
Won disputes: $30 in avoidable fees. Lost: $15.
12 refunds x avg $3 = $38/month lost.

AI Fee Optimizer

$2,358
potential/month

AI analyzed your fee breakdown. Click any card for action steps.

You currently process 100% of your volume via card. ACH bank transfers cost just 0.8% (capped at $5) vs your current 3.24% blended card rate. Customers who pay monthly subscriptions are ideal candidates — ACH churn rates are actually lower than card churn.

Action steps

  1. Enable Stripe ACH Direct Debit in your Stripe dashboard under Payment Methods
  2. Add bank account collection to your checkout for subscription plans ($100+/month)
  3. Set ACH as the default for customers with 3+ successful card payments (proven intent)
  4. Send a one-time email to existing subscribers offering ACH with a $10 credit incentive

Amex cards are costing you 3.49% — 60bps above your Visa rate. Your Amex volume ($19,000/month) is generating $660 in excess fees vs if that same spend were on Visa. You can't refuse Amex outright, but you can price it in.

Action steps

  1. Enable Stripe's card brand surcharging (where legally allowed — check state laws)
  2. Add a 0.6% surcharge for Amex at checkout with clear disclosure
  3. Alternatively, offer a small discount for ACH/Visa to nudge payment method choice
  4. Review Stripe's "card_present" vs "card_not_present" rates — in-person Amex is cheaper

Your 20% international volume is costing 4.59% effective rate — 1.69% more than domestic. The $36,060/year international surcharge alone justifies adding local currency support or a currency conversion fee.

Action steps

  1. Enable Stripe's automatic currency conversion to present local prices
  2. Add a visible "international processing fee" of 1.5% for non-US cards
  3. Consider Stripe's local payment methods (SEPA, iDEAL) for EU customers — much lower fees
  4. If volume is concentrated in one country, explore a local Stripe entity (e.g., Stripe UK)

Month-over-Month

2026-02 vs 2026-03

Rate Change
+0.08%
Fees Change
+$483
Volume Change
+$12,200
2026-02
3.16%
→
2026-03
3.24%
Fees Paid Comparison