Stripe Invoicing costs 0.4% of each paid invoice on Invoicing Starter and 0.5% on Invoicing Plus, which adds quotes. Stripe's payment processing is charged on top: 2.9% + 30¢ for a US card and 0.8% capped at $5 for ACH. On a $14,800 invoice paid by card on Starter, that is $59.20 for Invoicing plus $429.50 for processing. Recurring and subscription invoices are priced under Stripe Billing instead, and invoices paid outside Stripe aren't charged.
Every price and rule below is from Stripe's own pricing pages, documentation and support articles, opened on 30 October 2026. Negotiated pricing can differ, so check your own Stripe fee schedule too.
What is Stripe Invoicing?
Stripe Invoicing is the part of Stripe that creates invoices, sends them and collects on them. You build an invoice in the Stripe Dashboard or through the API, from a customer and line items, and Stripe either emails it to the customer or charges a saved payment method. (Stripe: how invoicing works)
An invoice moves through a few statuses:
- Draft: you can still change anything on it.
- Open: finalized and waiting for payment. Only a few details, such as the memo, can change. A bigger change means voiding it and issuing a new one.
- Paid, void or uncollectible, the last for a customer who is unlikely to pay.
Subscriptions create invoices too, one each billing cycle. Those are priced differently, as the next section shows.
What does Stripe Invoicing cost?
Stripe publishes two prices, charged on top of payment processing (Stripe Invoicing pricing):
| Plan | Price | What it adds |
|---|---|---|
| Invoicing Starter | 0.4% per paid invoice | Hosted invoice page, customer portal, automatic collection, auto-reconciliation of ACH and wire payments |
| Invoicing Plus | 0.5% per paid invoice | Everything in Starter, plus quotes |
| Custom | Contact Stripe | Custom pricing "may be available" |
From Stripe's support article on Invoicing pricing (Stripe support):
- You pay only on what's paid through Stripe. A partly paid invoice is charged on the amount paid. Unpaid, voided and uncollectible invoices, and invoices paid outside Stripe, aren't charged.
- The fee covers one-time invoices. Recurring invoices and invoices from a subscription fall under Stripe Billing, which costs 0.7% of Billing volume on pay-as-you-go (Stripe Billing pricing).
- There is no free allowance. Stripe stopped offering 25 free invoices a month on 1 November 2023.
Processing is separate. Stripe's standard US prices are 2.9% + 30¢ for a domestic card and 0.8% capped at $5.00 for an ACH Direct Debit (Stripe pricing). The Stripe fee calculator works out the card side for any amount.
What does a $14,800 invoice cost in Stripe fees?
Take the sample used across this blog: a $14,800 program at the Denver location. Paid in one go, or split into thirteen payments: a $1,500 deposit, eleven payments of $1,108.33 and a last payment of $1,108.37.
| Paid at once by card | Paid at once by ACH | 13 payments by card | 13 payments by ACH | |
|---|---|---|---|---|
| Processing | $429.50 | $5.00 | $433.08 | $65.00 |
| Invoicing Starter (0.4%) | $59.20 | $59.20 | $59.20 | $59.20 |
| Total on Starter | $488.70 | $64.20 | $492.28 | $124.20 |
| Total on Plus (0.5%, $74.00) | $503.50 | $79.00 | $507.08 | $139.00 |
How the figures work:
- Card processing is 2.9% + 30¢ on each payment: $43.80 on the deposit and $32.44 on each of the other twelve. The 30¢ repeats on every payment, which is why thirteen card payments cost a little more than one.
- ACH hits the $5 cap on any payment above $625, so every payment here costs $5.
- The Invoicing fee is 0.4% of what's paid. Stripe charges it on each partial payment as it comes in, so per-payment rounding can move the total by a few cents.
On card payments, processing is about seven times the Invoicing fee. Moving payers to ACH changes the total far more than the choice between Starter and Plus. ACH fees compares what other processors charge for bank payments.
Should Stripe email the invoice or charge the card?
Every Stripe invoice has one of two collection methods (Stripe: customer emails):
- Send invoice. Stripe emails the invoice with a due date, and the customer pays it on the hosted invoice page.
- Charge automatically. Stripe charges the customer's payment method on file. An invoice created through the API defaults to this. On Invoicing Plus, Stripe retries a failed charge on the schedule in your settings; otherwise the payment is marked failed.
The choice decides who does the work each month. With send invoice, the customer has to act every time. With charge automatically, you need a saved payment method and permission to use it.
Can a Stripe invoice be paid in installments?
Yes, in two ways.
Invoice payment plans split one invoice into separate payments with their own due dates, such as a deposit and then the balance (Stripe: invoice payment plans):
- Up to 50 installments, each with a label, a due date and an amount in dollars or as a percentage.
- Frequencies of weekly, every two weeks, monthly, every two months, every six months, or custom.
- Stripe emails a reminder for each installment on your usual invoice reminder schedule.
- The installments must add up to the invoice total before you can finalize it.
Stripe lists the limits:
- Nothing is charged automatically. Customers go back to the payment page for each payment, even with saved payment details, and plans can't be used on automatically charged invoices.
- Not on subscription invoices.
- Still in private preview in Stripe's documentation.
- Not buy now, pay later. Stripe says it isn't responsible if your customer doesn't pay.
Partial payments let the customer pay any amount toward an invoice on the hosted invoice page, once you turn them on in your invoice settings (Stripe: hosted invoice page). The customer chooses the amount and the timing, so there's no schedule.
For a plan that charges a saved card on fixed dates, Stripe's tool is a subscription schedule, priced under Billing. Stripe payment plans: three ways to sell in installments walks through it.
What does the customer see?
The customer pays on the hosted invoice page, a private Stripe URL where they can see the invoice, pay with any payment method you allow, and download the invoice and receipt as PDFs (Stripe: hosted invoice page).
- Branding: your brand color, logo and icon.
- Expiry: the link expires 30 days after the due date, or 30 days after finalizing when there's no due date, and never more than 120 days. An expired link sends the customer to a page where they can ask for a fresh copy.
- Saving the payment method: for accounts created after 30 May 2025, the default is a checkbox, and the method is saved only if the customer ticks it.
Stripe can also email the customer when an invoice is finalized, when a card payment fails, with a receipt after payment, and with reminders before, on or after the due date (Stripe: customer emails).
What does Stripe Invoicing leave to you?
- Where each invoice starts. Someone creates it in the Dashboard or in code. If your sales close on a deal in a CRM, decide how the deal's price and terms become the invoice, and how payments get back to the deal. Stripe and HubSpot covers the ways people connect the two.
- Which Stripe account gets paid. Stripe ties each account to one legal entity's tax ID, so locations run as separate entities need an account each, and each account has its own invoices (Stripe: multiple accounts). One LLC per location, or one for all? covers the structure question.
- Who follows up on an installment. Invoice payment plans send reminders, but the customer still has to come back and pay each one.
- How payments reach the books. Stripe QuickBooks integration and Stripe Xero integration cover getting payments and Stripe's fees into the books.
Which setup fits?
- One-time invoices, paid in full: Invoicing Starter, with ACH enabled for large amounts.
- You send quotes from Stripe: Invoicing Plus.
- A deposit and a balance the customer pays when reminded: an invoice payment plan, once Stripe gives you access.
- Fixed payments charged automatically on set dates: a subscription schedule under Stripe Billing, or a tool built for payment plans.
Changelog
- 30 October 2026: published. Prices and rules checked against Stripe's pages the same day.
Payment plans built from the deal in HubSpot or Pipedrive, with each location paid into its own account and books.
Paycove builds the payment plan from the deal in your CRM and charges each payment automatically, through the Stripe account of the location that made the sale.
Book 15 minutes