Stripe’s “2.9% + 30¢” Is a Lie

14/08/2025 8 min Episodio 198
Stripe’s “2.9% + 30¢” Is a Lie

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Episode Synopsis

Think Stripe’s fees are just 2.9% + 30¢? Think again. In this video, Maria Sparagis (payment processing expert and owner of DirectPayNet) breaks down Stripe processing fees, reveals their hidden charges, and shows you exactly how to read your Stripe balance report so you can uncover the real cost of doing business.We’ll cover:Stripe transaction fees explainedHow to find Stripe’s additional feesUnderstanding foreign transaction & currency feesDispute & chargeback costsStripe fees vs. your actual processing costHow to protect your account from holds and reservesIf you want to know the true cost of Stripe and how to spot unnecessary fees, this guide is for you.Takeaway tip: Download your monthly Stripe Balance Report in PDF and check every single fee line—knowledge is power when negotiating rates or switching providers.0:00 Why your Stripe fees are higher than advertised0:57 The balance report you NEED to download2:13 High-risk merchant & out-of-region fees3:39 Foreign exchange & risk reserves explained5:29 Payout differences & surprise debits7:32 Why 2.9% + 30¢ is misleading8:28 How to track Stripe fees monthlyNeed a merchant account? Get in touch! ➡️ directpaynet.com/contact-us