Stripe ACH Direct Debit Fee & Savings Calculator
Simulate low-cost bank-to-bank settlement fees (0.8% capped at $5.00) vs traditional credit card interchange.
Parameters & Config
Gross transaction amount billed to your customer
Percentage processing surcharge applied to gross order value
Per-transaction flat fee deducted by the platform
Cost of goods sold or fulfillment expense (Set to 0 for digital/software products)
Net earnings cleared into your bank account after all platform & gateway deductions
Cumulative fee deducted by platform and payment network
Key Metrics & Sub-Totals
3 itemsCalculation Summary & Unit Breakdown
| Metric | Calculated Value | Notes / Logic |
|---|---|---|
| Gross Transaction Charge | $1200.00 | - |
| Percentage Processing Fee | $9.60 | 0.8% |
| Fixed Transaction Surcharge | $0.00 | - |
| Total Deducted Fees | $9.60 | - |
| Product / Service Cost (COGS) | $0.00 | - |
| Net Take-Home Revenue | $1190.40 | - |
| Net Profit Margin | 99.2% | - |
| Break-Even Sales Price | $0.00 | Zero loss minimum price |
| Required Charge to Clear $100 Net | $100.81 | Reverse payout target |
Overview & Methodology
Stripe ACH Direct Debit enables businesses to pull funds directly from customer US bank accounts for 0.8% per transaction, with a strict maximum cap of $5.00. Transactions above $625 effectively cost just $5.00 flat.
Mathematical Formulation
ACH Fee = Min(Payment Amount × 0.008, $5.00). Net Payout = Payment Amount - ACH Fee.Optimization Best Practices
Mandate ACH for all invoice settlements exceeding $500 to keep payment processing overhead under 1%.
Utilize Financial Connections (Plaid or Stripe native) for instant account balance verification to eliminate NSF bounce fees.
Be mindful of settlement clearing times: ACH standard settlement takes 3 to 4 business days compared to instant card authorizations.
Frequently Asked Questions
Q.How much does Stripe take for a $2,500 ACH transfer?
Because Stripe ACH fees are capped at $5.00, a $2,500 transfer costs only $5.00, yielding a net payout of $2,495.00 (a 98% savings over credit cards).
Q.What happens if an ACH direct debit fails?
Failed ACH payments incur a $4.00 failed transfer penalty fee if caused by insufficient funds or incorrect routing details.
Q.What is the break-even threshold where ACH reaches its $5 cap?
At exactly $625.00 (625 × 0.008 = $5.00), any higher transaction amount continues to cost only $5.00.