Switch From Stripe Without Rebuilding Your Checkout
Stripe's standard rate is 2.9% + $0.30, flat, on every card. See the gap between that and interchange-plus pricing on your real transaction mix, then move without downtime.
What Stripe's Flat Online Rate Actually Costs You
Stripe bills 2.9% + $0.30 the same way whether the card behind that payment is a low-cost debit card or a premium rewards card with a much higher real interchange cost.
| Model | Rate | Best for |
|---|---|---|
| Stripe (flat rate) | 2.9% + $0.30, every card | Simplicity, at a premium |
| Interchange-plus | Wholesale cost + small fixed markup | High-volume online & subscription billing |
| Dual pricing / cash discount | Disclosed service fee on card only | Invoicing & card-present hybrid businesses |
Built for Online, Subscription, and Hybrid Billing
We route your volume through the model that fits how you actually get paid.
Interchange-Plus for Online Volume
See the true wholesale interchange cost behind every online, invoicing, and subscription charge, plus one small, fixed markup, instead of Stripe's blended 2.9% + $0.30 on everything.
Virtual Terminal & Gateway Support
Take card-not-present payments through a virtual terminal or payment gateway integration built to match your existing checkout flow, with transparent per-transaction pricing.
Switching Off Stripe Without Downtime
Free rate analysis
We review your Stripe statement and show your real effective rate vs. our numbers.
Confirm your integration path
Virtual terminal, gateway, or invoicing - matched to how you're set up today.
Run in parallel
New processing goes live alongside Stripe until you confirm everything works.
Cut over and start saving
No long-term contracts, transparent per-transaction pricing going forward.
Frequently Asked Questions
Can I switch off Stripe for both online and in-person payments?
Yes. We route card-not-present (online, invoicing, subscriptions) and card-present (in-store) volume through the pricing model that fits each channel, instead of Stripe's single flat online rate applied everywhere.
What does Stripe actually charge, and how does interchange-plus compare?
Stripe's standard published rate is 2.9% + $0.30 per transaction, flat, regardless of card type or the real wholesale interchange cost behind that specific card. Interchange-plus shows you the true wholesale cost plus one small, fixed markup, so lower-cost cards stop being billed at the same rate as premium rewards cards.
Do I need to rebuild my checkout or subscription billing to leave Stripe?
Not necessarily. We review your current integration during the free rate analysis and tell you what, if anything, needs to change on your site or billing flow before you commit.
Is there a contract or early termination fee to worry about?
We offer month-to-month processing with no long-term contracts. If you have an existing agreement elsewhere, we review it first and can often offset early termination costs with first-month savings.
What if switching costs me customers?
That's the most common hesitation, and it's why we don't ask you to commit blind. We run every switch month-to-month, and treat the first 90 days as a trial: track it for a full quarter, and if it's not working, we adjust the setup or roll you back at no cost. You're never locked in on our word alone.