The payment processing setup you chose when you started your business deserves another look as your business grows. Higher sales volume, different customer needs, and more complex operations can change what you need from a provider—and what you should be paying.
For business owners using Stripe, we help evaluate whether moving to our processing solution makes financial and operational sense. That starts with understanding your current costs and building a clear picture of what switching would deliver.
We begin with your actual processing activity. Your monthly volume, average transaction size, payment methods, and additional fees all affect your total expense. Looking at those details allows us to compare your current arrangement with our proposed solution using the same business activity.
Stripe’s published standard U.S. online pricing for domestic cards is 2.9% plus 30 cents per successful transaction, although custom pricing is available. At the standard rate, a business processing $100,000 across 1,000 transactions would pay $3,200 in base processing fees before additional charges. Your own reports establish the appropriate starting point for a comparison. Stripe’s published pricing
From there, the focus is on what you would actually pay with our solution. A useful proposal should show the processing charges, recurring fees, equipment or software costs, and any contractual commitments. You should be able to see the expected monthly difference and understand the assumptions behind it.
Even a modest reduction can matter over time. A hypothetical decrease of 0.40 percentage points on $100,000 in monthly volume represents $400 per month, or $4,800 annually, before accounting for any other cost differences. The opportunity for your business depends on your transaction mix and the final terms.
Cost is only one part of the decision. Before recommending a move, we need to understand how Stripe connects to your business. That includes your website, invoicing, recurring payments, reporting, and the way your staff handles day-to-day transactions.
Those requirements should shape the proposed solution and transition plan. Software compatibility needs to be confirmed. Any changes to billing or customer payment methods need to be identified. Your team should understand how payments, refunds, and reporting will work before the new setup goes live.
If reducing the cost you absorb is a priority, surcharging may also be part of the discussion. Its suitability depends on your customers, applicable rules, and the capabilities of the proposed payment system. Any estimate should clearly identify the expenses that would remain with your business.
A successful move gives you a payment arrangement you understand, a practical transition, and a clear reason for making the change. Expected savings should be measurable, and the solution should support how your business gets paid.
If you are using Stripe, your recent processing reports are the place to start. We can use them to evaluate the opportunity, explain our proposed solution, and help you determine whether moving makes sense for your business.