If you process $10M+ a year on Stripe's standard pricing, a cheaper alternative is interchange-plus pricing from a licensed processor, where card costs pass through at actual cost and the markup is fixed and visible. We find that pricing, negotiate it for your volume and manage the switch, including migrating stored cards from Stripe.
Stripe vs. interchange-plus with 71P
A factual comparison of Stripe's standard plan with what we arrange. Stripe also offers custom pricing to larger merchants, which may differ.
| What matters | Stripe standard pricing | Interchange-plus with 71P |
|---|---|---|
| Pricing model | Flat blended rate: 2.9% + 30¢ per online card charge | Actual interchange and network fees, plus a fixed markup negotiated for your volume |
| Transparency | One rate per charge; card-level costs not shown | Interchange, network fees and markup itemized on every statement |
| International and FX | +1.5% international cards, +1% currency conversion | Actual cross-border interchange; FX terms set out in the proposal |
| Account management | Self-serve, with support by ticket and sales for custom plans | A named contact for pricing, statements and escalations |
| Migration help | Not applicable | We plan and coordinate card data migration, subscriptions and testing |
| Contract | No contract on standard pricing | Terms written into the proposal before you sign |
Stripe figures are its published US standard pricing; see Stripe fees explained for the full list and date.
What you keep when you switch
- Stored cards. Card data can be migrated from Stripe directly to the new PCI-compliant processor, so customers don't re-enter details.
- Recurring billing. Subscriptions are mapped to the new setup before anything moves, so renewals keep billing on schedule.
- Checkout experience. Your checkout is updated by your team and tested on the new processor before live traffic moves.
- Reporting. Settlement and statement reporting from the processor, with interchange itemized, so finance gets more detail than before, not less.
- Your Stripe account. Keep it for some products or as a backup, or close it later. It's your call.
When staying on Stripe makes sense
We would rather tell you now than after an analysis.
- You process well under $10M a year. Standard or lightly negotiated Stripe pricing is hard to beat at that size. Start with negotiating Stripe fees.
- You depend on Stripe-only products. If Connect, Billing, Tax or Terminal are central to how you operate, the engineering cost of replacing them can outweigh the saving. Moving only card processing for part of your volume may still work.
- Your card mix is mostly premium and international. The gap between a flat rate and interchange-plus narrows. The analysis will show it.
Why merchants switch to us
Why break out.
Lower total fees
We compare everything you pay, not a headline rate. If the proposal doesn't beat your current total, we'll say so.
The comparison covers card rates, international and currency surcharges, add-on products, refunds and disputes, on your real card mix.
Pricing you can audit
Interchange, network fees and markup shown as separate lines, so your finance team can check every statement against the agreement.
When interchange rates change, you see it on the statement. The markup stays exactly what was agreed.
A number before a commitment
The analysis is free. You see current and proposed costs side by side before you talk contracts.
Use it to switch, to negotiate with Stripe, or simply to understand your costs.
A switch plan in writing
Who does what, in what order, with test steps and a cutover your team signs off. No surprises on the day.
Stored cards move directly between PCI-compliant providers, and subscriptions are mapped before anything changes.
One person on your account
A named contact who knows your volume, your integration and your history. Not a ticket queue.
We stay on after the switch to review statements and flag pricing drift.
Estimate your saving against Stripe
Do the math, not the time.
Enter your volume and what you pay now. You'll see an estimate in seconds, based on average interchange rates. A precise number comes from your statements.
Your estimate
Estimated savings per year
$240,957
- Fees now
- $750,000
- Estimated fees with us
- $509,043
- Effective rate
- 3.00% to 2.04%
- Reduction in total fees
- 32%
Below $10M a year, your best move is usually negotiating with Stripe directly. Our analysis is built for higher volumes, but the numbers above still show what's at stake.
This calculator uses a simple model to show the average savings we can make for your volume and industry. It is not a quote. The exact proposal comes after we review your statements and learn about your business.
How switching works
Four steps: send three months of statements, get a line-by-line analysis in about 5 business days, decide with no obligation, then switch on a written plan that your team tests before any live traffic moves. Many merchants move in stages. The full process, including card data migration and a timeline, is on switching from Stripe.