ACH and card payments both collect money online, but their fees behave differently.
ACH bank transfer is usually best for larger invoices. In Conduit fee examples, ACH is a $1 Conduit fee plus Stripe ACH processing at 0.8%, capped at $5. That makes the ACH cost $6 max on an invoice.
Card payment is usually best when speed or customer convenience matters more than fee savings. Standard card processing at 2.9% plus 30 cents is about $290 on a $10,000 invoice before any platform fee.
On a $10,000 invoice:
- ACH: $6 total using $1 plus capped Stripe ACH processing.
- Card processing: about $290 at 2.9% plus 30 cents.
- Difference: about $284 before any additional card platform fee.
- Compare paying by bank transfer vs. by card.
Public invoice payment page: the card-vs-bank-transfer choice and its fee difference.