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Fees

An overview of ThriveCart Platform, transaction, 
and processing fees. ThriveCart charges 2.9%* 
+ $0.30 transaction fees. 

We never take a cut of your revenue. Fees represent processor fees passed on from Stripe, PayPal and Authorize.Net.


2.9%* + $0.30

per successful transaction for domestic cards

See UK, EU and other regional pricing here.

2.9% includes 3D Secure Authentication, Payment Optimization Features like Adaptive Acceptance, Card Account Adapter and Network Tokenization Fees

100+ Global Payments
Options (Stripe, PayPal, ThrivePay)

Stripe, PayPal and ThrivePay Installments offer built-in for maximum payment flexibility.

Adaptive Pricing: Multi-Currency Checkouts

Boost conversions by offering local payment options to your customers.

Global Tax
Automation

Calculate & collect VAT, GST 
and sales taxes worldwide.

ThrivePay Installments:
Thrive Now, Pay Later

Boost AOV by 3.1x: Transactions up to $65K. Paid upfront, customers pay over 3, 6 or 12 months. Interest-free, no loans, no credit checks.

Fraud
prevention

Powerful fraud prevention tools (Botnet Protection, Anti-Fraud Measures, Captcha Functionality) for secure transactions.

Security
& compliance

99.999% uptime and PCI-compliant infrastructure.

Apple Pay & Wallets

No extra charges beyond standard processing fees 
by payment provider.

Transaction Fees

0% to ThriveCart. You pay processor fees only (Stripe, PayPal, BNPL where applicable).

Payment Optimization card

Vary by provider/Stripe agreement; We enable options only.

Card and Wallets

We accept widely used credit and debit cards and digital wallets through Stripe.

2.9%* + $0.30

per successful transaction for domestic cards

+ 1.5% for international cards

+ 1% if currency conversion is required

Buy Now, Pay Later: short term financing (up to $2K over 60 days)

BNPL providers may have their own fee/merchant cost. 
Actual rates depend on Stripe’s agreements and region.

5.99% + $0.30*

per successful transaction 
through our financing partners

*(addl. fees apply for cross border transactions + currency conversion)

ThrivePay Installments: get paid upfront. Customers pay over 3, 6 or 12 months interest-free.

3.1x Higher AOV vs BNPL
85%+ Approval Rate Instant Verification
$35k Average Credit Available Per Customer
24%+ Repeat Purchases
$3.3T Available Credit

15%
+ 

Direct Debit / ACH $1 per payout

Standard local bank transfer $1 per payout

International wire transfer $26 per payout

PayPal 2% + $1 (Max $21)*. *FX fee may apply

Collect ACH payments

Accept ACH direct debit payments from US, Canadian and Australian bank accounts.

0.8% per transaction (max. $5)

per successful ACH debit transaction

Crypto payments

Accepting payments in, Ethereum, USDC, 
and other supported cryptocurrencies.

1.5% Stripe processing fee for fiat-to-crypto payments.

Authorization Optimization (already incl. with Standard Fee of 2.9% above)

Authorization Optimization

0.8% for Authorization Optimization per 
card charge

$0.25 for every card updation request

$0.15 for every network tokenization request

only charged for users with custom pricing

Automated Global Tax Calculation & Compliance Infrastructure

Tax calculation & collection

0.5% per transaction

Globalization Commerce

Adaptive Pricing

1.5% for international cards

Stripe Fraud Prevention

Radar

$0.07 per transaction

Stripe Disputes

Disputes including Smart Disputes

Dispute received – $15

Dispute countered manually – $15

Smart Dispute – 30% of the disputed amount
(AI – Powered feature that automatically fights chargebacks for you)

Stripe Subscription Billing

Subscription Billing

0.7% per transaction

Stripe Payment Gateway Integration

Bring your own Stripe account

2%

Pay Pal

Starting at 2.99%

Affiliate Fees

Affiliate processing fee

None