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Guide · 5 min read

Stripe ACH Fees 2026 — 0.8% Capped at $5

ACH Direct Debit is Stripe's cheapest payment method for US businesses — and it's dramatically cheaper than cards for any invoice above $625. Here's everything you need to know.

ACH fee = Amount × 0.8% (maximum $5)

$100 payment: $0.80 (vs $3.20 for card — saves $2.40)
$500 payment: $4.00 (vs $14.80 for card — saves $10.80)
$625 payment: $5.00 (equal to card at this exact amount)
$1,000 payment: $5.00 cap (vs $29.30 for card — saves $24.30)
$10,000 payment: $5.00 cap (vs $290.30 for card — saves $285.30)

ACH vs Card — Side by Side

AmountACH Fee (0.8%, cap $5)Card Fee (2.9%+$0.30)ACH Saving
$100$0.80$3.20$2.40
$500$4.00$14.80$10.80
$1,000$5.00 ✓$29.30$24.30
$5,000$5.00 ✓$145.30$140.30
$10,000$5.00 ✓$290.30$285.30

How to Enable ACH on Stripe

  1. Log into your Stripe Dashboard
  2. Go to Settings → Payment Methods
  3. Enable "ACH Direct Debit"
  4. On your Stripe Invoice, enable both Card and ACH as payment options
  5. Add a note: "Bank transfer preferred for large invoices"
💡 See how much ACH saves on your invoice amount Calculate Stripe Fees →
FAQ

Frequently Asked Questions

Stripe charges 0.8% for ACH Direct Debit with a maximum fee of $5 per transaction. On a $1,000 payment, you pay $5 instead of $29.30 for a card — a saving of $24.30.
Use ACH for B2B invoices over $625 (where ACH becomes cheaper than cards), subscription payments for business customers, and any recurring high-value US bank-to-bank transfers.
ACH payments typically take 3-5 business days to confirm and settle. This is slower than card payments (immediate) but significantly cheaper for large amounts.
Technically yes, but consumers prefer card convenience. ACH is best for B2B payments where the customer is a business accustomed to bank transfers.
The maximum Stripe ACH fee is $5 regardless of transaction size. A $100 payment costs $0.80; a $10,000 payment also costs just $5.
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