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📊 Should I switch to interchange plus vs. flat rate pricing?

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Reviews of Should I switch to interchange plus vs. flat rate pricing?

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Finn

This calculator is a highly practical tool for business owners trying to decide if they've outgrown Stripe's flat-rate pricing. It smartly factors in the hidden costs of Stripe's ecosystem—like extra fees for international cards, recurring billing, and tax calculation—while also accounting for the third-party software you'd need to buy if you switched away. Just keep in mind that interchange-plus rates fluctuate based on the specific types of credit cards your customers use, such as premium rewards cards. You'll want to estimate your effective interchange rate carefully to get the most accurate comparison.

Reviewed v26.6.0

Jun 28, 2026

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