# Pass your costs to connected accounts

Configure pricing for network and other costs you pass through to your connected accounts.

As a Connect platform using the [buy-rate model](https://docs.stripe.com/connect/saas.md#buy-rate-model), you can use cost passthrough to charge your connected accounts for costs that your platform pays related to the Stripe services you facilitate for them.

- **Network cost passthrough**: Offer IC+ pricing to your connected accounts instead of charging a blended rate for all card payments, then determine and collect fees from each connected account. [Enable and configure network cost passthrough](https://docs.stripe.com/connect/network-cost-passthrough-platforms.md) separately from your other costs.
- **Passthrough for other costs**  (Private preview): You can also pass other costs, such as dispute or next-day settlement fees, to your connected accounts. You can charge the same amount that Stripe charges your platform or set a custom price. Stripe collects the fee and makes it available in reporting. [Request access](https://docs.stripe.com/connect/cost-passthrough.md#request-access)

## Eligibility

Passing costs to your connected accounts has the following requirements:

- Stripe [charges fees](https://docs.stripe.com/connect/direct-charges-fee-payer-behavior.md) to your platform, not your connected accounts. Any fees that Stripe bills to your connected account directly are ineligible for passthrough.
- Supported Stripe costs billed to the platform are attributable to a connected account.
- Your connected accounts use direct or destination charges, not separate charges and transfers.
- Contact your account team to enable network cost passthrough.
- To pass through other costs, your platform and connected accounts must be located in one of the following supported regions, but don’t need to be in the same region:
  - CA
  - EU
  - GB
  - US

## Supported costs

You can pass through the following costs.

| Cost type | Specific fees | Description |
| --- | --- | --- |
| Payment | Network costs | Fees charged by the networks to process card payments. |
| Per authorization | Fee charged for each authorization attempt. |
| Per volume | Fee charged for each successful transaction, based on a percentage of the transaction volume. |
| Disputes | Dispute received | Fee charged when the network files a dispute. |
| Dispute counter | Fee charged when the dispute is challenged. Fee is returned if the connected account wins the dispute. |
| Dispute intervention | Fee charged when a dispute is resolved through Stripe’s Dispute Resolution product. |
| Dispute deflection | Fee charged when Stripe blocks a dispute through Visa CE 3.0. |
| Smart Disputes | Fee charged when the dispute is successfully won using Smart Disputes. |
| Cross-border money movement | Multi-currency settlement | Fee charged to settle funds in a non-primary currency. |
| Foreign exchange | Fee charged when an acquiring payment’s starting and destination currencies differ. |
| Instant currency conversion | Fee charged to convert funds between currency balances held by the same Stripe account or when a payout’s starting and destination currencies differ. |
| Instant settlement | Fee charged to access eligible funds almost immediately. |
| Next-day settlement | Fee charged to access eligible funds the next business day. |
| Issuing | Cross-border issuing | Fee charged when an Issuing card transaction crosses borders. |
| Foreign exchange issuing | Fee charged when currency conversion occurs on an Issuing transaction. |
| Payment intelligence | Authorization boost | Fee charged to optimize card-not-present authorization rates. |
| Card Account Updater | Fee charged when CAU is used to update stored cards with new account details. |
| Network Tokens | Fee charged when Network Tokens is used to replace card numbers with network-issued credentials. |
| Adaptive Acceptance | Fee charged when Adaptive Acceptance is used to improve authorizations. |
| 3D Secure Lookup | Fee charged to perform 3DS. |
| Standalone 3D Secure Lookup | Fee charged to perform 3DS with another payment service provider. |
| Connections | Connections verification | Fee charged when Connections is used to verify a linked financial account. |
| Connections balance refresh | Fee charged when Connections is used to retrieve a linked account’s latest balance. |
| Connections ownership refresh | Fee charged when Connections is used to retrieve a linked account’s ownership details. |
| Connections transaction subscription | Fee charged for recurring transaction-data refreshes. |
| Failed bank debit | US bank account failure | Fee charged when a US bank account debit fails. |
| SEPA bank account failure | Fee charged when a SEPA Direct Debit payment fails. |

## Set pricing

Configure default pricing for each individual fee across all eligible connected accounts in the **Cost Passthrough** tab of the no-code [platform pricing tool](https://docs.stripe.com/connect/platform-pricing-tools.md).

> #### Configure network cost passthrough separately
> 
> You must apply [network cost passthrough](https://docs.stripe.com/connect/network-cost-passthrough-platforms.md) to individual connected accounts. You can’t set a default for all connected accounts.

1. In the editor, set fallback pricing as either:
   - **Cost passthrough**: Charge your connected accounts the same rate that your platform pays Stripe.
   - **Custom fee**: Charge your connected accounts a custom fee. Fixed fees are capped at 30 USD, and variable fees are capped at 5% of the transaction amount, except for Smart Dispute fees, which are capped at 50 USD.
2. Save the pricing rule to go into effect immediately, or schedule the pricing scheme to go into effect in the future.
3. (Optional) Segment pricing by connected account country by adding conditional rules to your pricing scheme.
4. (Optional) Customize pricing for an individual connected account in the **Pricing** section of the [Connected accounts page](https://dashboard.stripe.com/connect/accounts) in the Dashboard.
5. After you set pricing, notify your connected accounts of fees you charge them and the cost of each fee.

## Fee collection

You can choose to collect costs from connected accounts as they occur or on a billing schedule.

- **Immediate fee collection**: By default, Stripe collects eligible fees from the connected account’s Stripe balance within hours after charging your platform. Stripe batches fees by fee type.
- **End of billing window fee collection**: Stripe charges connected accounts at the [end of the billing window](https://docs.stripe.com/connect/saas/tasks/app-fees.md#gross-settlement) through a bank debit or invoice.

Manage fee collection settings in the [Connected accounts page](https://dashboard.stripe.com/connect/accounts) in the Dashboard. These settings apply to both payment application fees and passthrough fees.

## Reconciliation and reporting

You can view costs that you collect in the following ways:

- **Transactions All Activity Dashboard page**: View all activity that impacts your platform balance.
- **Itemized balance change from activity report**: View platform balance changes over time, including when fees are collected.
- **Connect Margin report**: View fees charged to your connected accounts in the `fee_monetization` column, regardless of fee collection time. Reporting is available at the platform, connected account, and transaction levels.

Connected accounts can view the costs you pass through to them in the following ways:

- **All Fees report**: View all costs charged to the connected account, by fee type.
- **Fees API**: View an itemized breakout of passthrough fees, linked to the originating Stripe fee incurred by your platform.
- **Itemized balance change from activity report**: View payments balance changes over time, including collection of cost passthrough fees.
- **Network cost passthrough report**: View network cost passthrough fees only.

## Negative balance liability

Debiting connected accounts immediately for passthrough costs might cause a negative balance for the connected account. Stripe handles this scenario according to your platform’s [negative balance liability](https://docs.stripe.com/connect/risk-management.md#negative-balance-responsibility) configuration.

- If Stripe holds negative balance liability, you can still collect passthrough costs against a negative balance. Stripe pauses connected account payouts until the balance becomes positive.
- If your platform holds negative balance liability, Stripe debits your platform reserve balance to collect passthrough costs, then repays your reserve balance as the connected account’s balance recovers.

## Request access

### Get early access to cost passthrough

Enter your email to request access.

```bash
curl https://docs.stripe.com/preview/register \
  -X POST \
  -H "Content-Type: application/json" \
  -H "Referer: https://docs.stripe.com/connect/cost-passthrough" \
  -d '{"email": "EMAIL", "preview": "stripe_cost_passthrough"}'
```