Compare
SwitchKeep vs Stripe.
Stripe is a payments platform built for online businesses and developers, with published standard rates. SwitchKeep puts your own merchant account inside the invoicing software you already use. Here's how the numbers compare, as of October 20, 2026.
Published rates, side by side.
Stripe's standard pricing. Stripe also offers custom and interchange-plus pricing to businesses with large volume.
| Payment | Stripe standard | SwitchKeep, on your own merchant account |
|---|---|---|
| Online card | 2.9% + 30¢ | Interchange plus a margin, typically about 2.1–2.4% all in |
| Card keyed in | 2.9% + 30¢, plus 0.5% | Interchange plus a margin. Keyed cards carry higher interchange |
| International card | Plus 1.5% | Interchange plus a margin. International cards carry higher interchange |
| Bank payment (ACH) | 0.8%, capped at $5 | Usually a flat few dollars per payment |
| Dispute | $15, plus $15 to contest (refunded if you win) | A flat chargeback fee, set with your account |
| Invoices | 0.4% per paid invoice on Stripe Invoicing Starter | No charge: you invoice from your own software |
| Monthly | Nothing to set up and nothing monthly on standard pricing | $0 from SwitchKeep. Your merchant account may carry account fees |
Stripe: Stripe pricing, read on October 20, 2026. Merchant account: Merchant Cost Consulting, a typical range rather than a SwitchKeep rate. Rates change: check Stripe's current pricing before you decide. SwitchKeep is independent and isn't endorsed by Stripe.
The math
One $1,000 card payment.
| Paid by | Stripe standard | Own account |
|---|---|---|
| Card, online | $29.30 | about $22.50 |
| Card, keyed in | $34.30 | more than online, by interchange |
Bank payments are close: Stripe caps ACH at $5, which is in line with a flat per-payment fee on your own account. The difference is mostly in card payments.
When each one fits.
Stripe fits when
- You sell online through your own website or app, and have a developer or a tool built on Stripe.
- You want a self-serve signup online.
- Your volume is large enough to negotiate Stripe's custom pricing.
SwitchKeep fits when
- You invoice from web-based software and want payments inside it, with no developer.
- Many payments are keyed in over the phone or paid on invoices.
- You want interchange-plus pricing on a merchant account in your name.
FAQ
Questions.
Does Stripe offer interchange-plus?
Stripe lists interchange-plus among its custom pricing options for businesses with large payments volume or unusual business models.
Is Stripe cheaper for bank payments?
It's comparable. Stripe charges 0.8% capped at $5 per bank payment, and your own merchant account is usually a flat few dollars.
Which is cheaper for me?
It depends on your volume and how you take payments. Send a statement and we'll price the same month on your own merchant account.
Compare with your own statement.
We'll price last month's payments on your own merchant account, line by line.