Stripe ACH Payment Calculator
Calculate Stripe ACH bank transfer fees (0.8%, capped at $5) and compare with card processing costs. See exactly when ACH saves you money.
💡 ACH is almost always cheaper than cards
Stripe ACH: 0.8% capped at $5. For any transaction over ~$14, ACH beats the standard 2.9% + $0.30 card rate. For $1,000+, ACH costs $5 vs $29.30 for a card.
Monthly savings projection
ACH vs Card — quick reference
| Amount | ACH fee | Card fee | You save |
|---|---|---|---|
| $10 | $0.08 | $0.59 | $0.51 |
| $50 | $0.40 | $1.75 | $1.35 |
| $100 | $0.80 | $3.20 | $2.40 |
| $250 | $2.00 | $7.55 | $5.55 |
| $500 | $4.00 | $14.80 | $10.80 |
| $625 | $5.00 🔒 | $18.43 | $13.43 |
| $1,000 | $5.00 🔒 | $29.30 | $24.30 |
| $5,000 | $5.00 🔒 | $145.30 | $140.30 |
| $10,000 | $5.00 🔒 | $290.30 | $285.30 |
🔒 = ACH fee capped at $5. All amounts above $625 cost exactly $5 via ACH.
Stop doing this manually in QuickBooks
Our free Stripe → QuickBooks converter takes your full Stripe CSV export and produces a QuickBooks-ready import file in seconds. Every transaction, every fee, every refund — correctly categorized. No signup. No data stored.
Try the Free Stripe → QuickBooks Converter →Free forever · No account required · Browser-side processing
Frequently Asked Questions
How much does Stripe charge for ACH payments?
Stripe charges 0.8% per ACH direct debit transaction, with a maximum cap of $5.00. There is no minimum fee. This means a $100 ACH payment costs $0.80, a $1,000 payment costs $5.00 (capped), and a $10,000 payment also costs just $5.00.
When does ACH become cheaper than card payments?
ACH becomes cheaper than standard card processing (2.9% + $0.30) for transactions above approximately $14. For a $100 payment, ACH costs $0.80 vs $3.20 for a card — saving $2.40. For a $1,000 payment, ACH costs $5.00 vs $29.30 for a card — saving $24.30.
What is the difference between ACH debit and ACH credit on Stripe?
ACH debit (Stripe charges your customer's bank account directly) costs 0.8% capped at $5. ACH credit (your customer initiates a bank transfer to you) is free to receive but requires manual reconciliation. Most businesses use ACH debit through Stripe for automated billing.
How long do Stripe ACH payments take?
Stripe ACH payments take 3-5 business days to process and settle. Unlike card payments which are near-instant, ACH has a delayed settlement window. Failed ACH payments (due to insufficient funds or incorrect account details) typically fail after 3-4 business days.
Can I use Stripe ACH for recurring billing?
Yes. Stripe supports ACH for recurring subscription billing. Customers authorise a mandate (like a direct debit agreement) and Stripe can automatically debit their bank account on schedule. This is significantly cheaper than monthly card charges for higher-priced subscriptions.
How do I record Stripe ACH fees in QuickBooks?
Stripe ACH fees should be recorded the same way as card processing fees — as a Bank Service Charges expense. The gross transaction amount is your revenue, and the 0.8% ACH fee is a separate expense line. Our free Stripe → QuickBooks converter handles this automatically.