Create a pricing scheme

A pricing scheme is a list of conditional fees. For each applicable transaction, Stripe evaluates the list in the order you specify and applies the first matching conditional fee. If no conditional fees match the transaction, Stripe applies your default fee. Stripe calculates the fee in the specified currency, and then converts it to the settlement currency of the payment, if needed.

To create a pricing scheme:

1. From the Platform pricing page in your Stripe Dashboard (Settings > Connect > Platform pricing), click Get Started.
2. In the Set a default payment pricing scheme editor, click Add pricing rule.
3. Define the rule.
   • Condition: Use the dropdown menus to write one or more conditions based on a transaction property, an operator, and a value.
   • Fee type: Specify how to calculate the fee.
     • Fixed: Charge a specific amount, such as 1.10 USD, for every payment.
     • Variable: Charge a percentage, such as .45%, of the total amount of the payment.
       • Minimum (optional): Specify a minimum amount to charge, even if the percentage calculation is less.
       • Maximum (optional): Specify a maximum amount to charge, even if the percentage calculation is more.
     • Blended: Charge a percentage of the total payment, plus a fixed amount.
       • Maximum (optional): Specify a maximum amount to charge, even if the calculated fee is more.

1. Add up to 125 rules for the scheme in the order to evaluate them. Stripe applies the first rule that matches the payment and discontinues the evaluation.
2. After you define all your pricing rules, Set fallback rule lets you define the fee to apply when a transaction doesn’t match any of the scheme rules.
   • Set a variable amount, fixed amount, or both.
   • If you set a zero amount fallback rule fee, you won’t recoup your processing cost for any transactions that don’t match any of the scheme rules.
3. (Optional) Click Add modifier to increase or decrease the calculated application fee by a specified percentage (0-100).
4. Click Save and enable or close the editor without saving to cancel.

Saving the pricing scheme applies it to all eligible connected accounts. You can view the progress of this update on your Platform Pricing page. The time to complete depends on the number of connected accounts on your platform.

Review Stripe’s Pricing page for guidance in defining your pricing schemes. Factors to consider include, but aren’t limited to:

• Which countries you support connected accounts in
• Whether any connected accounts support cross-border transactions
• Which payment methods you support
• How much Stripe charges you based on your contract

Override a specific account

After you set up a pricing scheme, you can override the rules for connected accounts if the fee payer is the platform.

1. Select the account from the Connected accounts page in your Dashboard.
2. In the Account Pricing section, click the Payment pricing default overflow menu () and select Customise pricing to create a new override, or click Edit to update an existing override, if one exists.
3. For a new override scheme, choose:
   • Create a new scheme: define the override rules from scratch.
   • Copy from default platform pricing scheme: define the override rules by editing your default platform scheme.
4. Create the override scheme for the connected account using the same steps for creating the default platform scheme in the previous section.
5. Click Save or close the editor without saving to cancel.

Revert overridden pricing schemes

After you create an override scheme, any updates to your platform pricing scheme don’t affect the pricing scheme of overridden connected accounts. To reapply your platform pricing scheme to an overridden connected account:

1. Select the account from the Connected accounts page in your Dashboard.
2. In the Account Pricing section, click the Custom scheme overflow menu () and select Revert to platform pricing.

Supported rule conditions by payment type

The following table describes some of the properties you can use to define a pricing schedule rule condition, and the types of payments they apply to.

Fee modifier

You can use a fee modifier to adjust the application fee calculated by the conditional and fallback rules:

• Markup increases the fee amount by the specified percentage.
• Discount decreases the fee amount by the specified percentage.

Fee modifiers compound based on their sequence in the scheme definition. For example, adding a 5% discount followed by a 10% markup adjusts a 1.00 USD fee to a 1.05 USD fee (1.00 USD × 0.95 x 1.1 = 1.05 USD).

View platform pricing details

Select an applied fee from Collected Fees on the Payments page in your Dashboard. The Platform pricing details section shows the following details about how Stripe calculated the application fee from the pricing scheme:

• Matched rules: Shows which rule conditions matched the payment and were used to calculate the fee based on the captured payment and fee type.
• Additional markups applied: Shows whether the final calculation included any markups or discount adjustments.
• Historical pricing scheme: Shows a snapshot of the pricing scheme in place at the time of payment processing and fee calculation.

For example, assume a purchase of 500 USD. The payment matched a rule with the following conditions of the pricing scheme:

• The payment method is cards.

The pricing scheme also applied the following fee modifiers:

• 4% markup
• 3% discount

For this case, the platform pricing details show:

• The 2.9% + 0.30 USD rule applies because the payment method is a card. The calculation against the 500 USD payment equals a fee subtotal of 14.80 USD.
• The scheme also defines a 4% markup and a 3% discount. This calculates 14.8 × 1.04 × 0.97 = 14.93024, rounding to a total fee charged to the connected account of 14.93 USD.