# Stripe fee credits

Apply, view, and reconcile Stripe fee credits.

Stripe applies fee credits to Stripe fees as they’re billed, offsetting your service costs. Each credit has a specified expiration date and amount. After using or expiring a credit, it stops applying to eligible Stripe fees. You can view product eligibility, expiration dates, and the amount from the [fee credits details page](https://dashboard.stripe.com/fee-credits).

## Apply Stripe fee credits

We apply fee credits to Stripe fees as they’re billed, following a first-in, first-out model. You can only apply credits to future fees.

If multiple credits are active in your account, Stripe applies only one credit to a given fee in this order:

1. The credit with the nearest expiration date
1. The type of credit (prepayments are prioritized ahead of incentives)
1. The credit with the least remaining balance

Product usage (sometimes shown as the attribution date) might differ from the billed (invoiced) date. For usage that occurs before activating a credit in your account but is invoiced after the credit is activated, the credit won’t apply to the fee. This is because the fee was created before the credit existed. If the attribution date for a fee is before a credit expires but is invoiced after the credit expires, Stripe still applies the credit to the fee.

When credits exhaust or expire and no other credits are active on your account, Stripe automatically collects fees from your default payment method, typically the Stripe balance.

## Credit status

Stripe fee credits have the following statuses:

| Status     | Description                                                                                                                                      |
| ---------- | ------------------------------------------------------------------------------------------------------------------------------------------------ |
| Not active | The credit isn’t being applied to eligible Stripe fees. You can accept terms and activate the credit directly from the fee credits details page. |
| Active     | The credit is active and is automatically being applied to Stripe fees.                                                                          |
| Expired    | The credit expired, and the remaining balance is no longer being applied to fees.                                                                |

## Credit eligibility

You can apply Stripe fee credits to most Stripe fees. In the Stripe Dashboard, you can see which Stripe fees are eligible for each credit on the credit details page.

Some fees aren’t enabled by default due to how they’re charged. For credits to apply to fees such as blended card payments or local payment method payments, we have to change the way these fees are charged.

### Opt in to standalone fees

Some credit-eligible features, such as blended cards and local payment methods, are charged directly from the transaction amount. To apply credits to these fees, we convert them to standalone fees and charge them separately. This affects how these fees appear in the Dashboard and APIs. You might need to update your custom reports to correctly capture those fees. Learn more about [standalone fees](https://docs.stripe.com/standalone-fees.md).

Standalone fees are an account-level setting that you only need to set once. You don’t need to opt in for future credits. If you don’t see the option to apply credits to more products, your account has already opted in or the credit is for a specific product.

To opt in to standalone fees:

1. Go to the credits details page.
1. Click **Apply credits to more products** in the **Eligibility** section.

## View and reconcile fee credits

### Use the All Fees report

Use the [All Fees report](https://dashboard.stripe.com/reports/all-fees) as your primary source for fee reporting. The All Fees report provides the most comprehensive view of your Stripe fees, including:

- **Itemized transaction-level detail**: See fees for individual charges, not just daily aggregates
- **All fee types**: Includes fees paid from your Stripe balance and fee credits in a single report
- **Complete fee attribution**: Every fee shows which payment or service it relates to
- **Credit visibility**: Easily identify which fees were paid with credits using the `fee_transaction_id` and credit-related columns

The All Fees report is the most accurate source for reconciling your total Stripe costs and understanding fee attribution at a granular level.

For a credit-specific view, visit the [fee credits details page](https://dashboard.stripe.com/fee-credits). This shows a summary of credit usage over time for all of your Stripe fee credits. To download the Credit Activity report for a specific credit, click **Download a CSV**.

### Use Balance reports for existing workflows

Starting April 2, 2026, fee credits issued on or after this date also appear in your Balance Activity report and Balance Transactions API. This allows you to continue using balance-based reporting with minimal changes to your existing workflows.

#### Balance report contents

For credits issued on or after April 2, 2026, balance transactions are created for:

**Credit issuance**

When a credit is granted, you’ll see a positive balance transaction with:

- Type: `fee_credit_funding`
- Balance type: `fee_credits`
- Reporting category: `fee_credit_funding`
- A description like “Welcome Fee credit issued”

**Fee deductions**

Each day, fees paid from your credit appear as a negative balance transaction with:

- Type: `stripe_fee`
- Balance type: `fee_credits`
- Reporting category: `fee`
- A description showing the date and number of charges (for example, “Aggregated processing fees (2026-03-20)”)

Credits issued before April 2, 2026 won’t have any balance activity entries.

### Reconcile fee reports

#### All Fees report for reconciliation

The All Fees report provides complete fee information without requiring joins or additional reconciliation steps. Download the report for your desired date range to see:

- All fees paid from your Stripe balance
- All fees paid from fee credits
- Individual transaction details for each fee
- Which credit was used for each fee (via `fee_credit_id` column)

For accounting or custom reporting, filter or group by the credit-related columns to separate fees paid with credits from fees paid with your balance.

#### Reconcile Balance reports with itemized fees

If you use Balance reports for your workflows, you can access itemized fee details by joining with the All Fees report.

For credits issued on or after April 2, 2026:

1. Download your Balance Activity report for your desired date range.
1. Download the All Fees report for the same period.
1. Join both reports using the `fee_transaction_id` column.

This allows you to:

- Trace aggregated daily deductions from Balance reports to individual charge fees in the All Fees report
- See which specific transactions used credit balances
- Build complete accounting reports that include both credit and balance activity

Balance reports show daily aggregated fees, while the All Fees report shows individual transaction fees. Use the All Fees report directly for the most detailed and accurate fee reporting.