Current Stripe Processing Fees in ArtCloud

For accounts that have integrated Stripe for payment processing, the following fees and terms apply.

Quick Jump To Guide:
Stripe Express Processing Fees (Card Not Present)
Stripe Express Processing Fees (Terminal/M2 Reader - Card Present)
Stripe Standard Application Fee
Affirm | Buy Now, Pay Later (via Stripe) - Processing Fees

Stripe Express Integrated Accounts

Most ArtCloud customers with Stripe integrations are using a Stripe Express account, meaning an account that was created through the ArtCloud platform at the time of enabling the Stripe integration. This is the default ArtCloud <> Stripe integration for all new accounts.

With a Stripe Express account, Stripe handles user onboarding, account management, and identity verification. Customers with a Stripe Express integration access their Stripe dashboard through ArtCloud, but do not have direct login access to their Stripe account.

For Stripe Express accounts, processing fees are categorized as Card Not Present (CNP) or Card Present (CP). Card Present rates are slightly lower than Card Not Present Rates and are only those processed with the physical card present, through an activated Stripe Terminal.

Stripe Express, Card Not Present (CNP) Processing Fees:
This includes transactions where the user manually enters the card details into the ArtCloud platform without using an authorized Stripe Terminal reader, all marketplace, and all website orders.

3.20% + $0.30 USD for Visa, MasterCard, or Discover
3.35% + $0.30 USD for American Express
International Cards may be processed at a higher rate

Stripe Express, Card Present (CP) Payments Processing Fees with the Stripe Terminal or Stripe M2 Reader:
This only includes transactions where the physical card is read by the Stripe Terminal reader.

3.10% + $0.30 USD for Visa, MasterCard, or Discover
3.25% + $0.30 USD for American Express
International Cards may be processed at a higher rate

To purchase a Stripe Terminal, please fill out this form. You can learn more about how to set up your Stripe Terminal in ArtCloud here. To purchase a Stripe M2 Reader, please fill out this form.

Stripe Standard Integrated Accounts - Application Fee

Some customers or certain non-US customers have a Standard Stripe integrated account. A Stripe Standard account is controlled directly by the account holder (that is, you, the customer). A user with a Standard account has a relationship with Stripe, is able to log into the Stripe Dashboard, can process charges on their own, and has their own negotiated processing rates directly with Stripe.

For the convenience and support of integrated processing within the ArtCloud platform, ArtCloud charges the following application fee for each transaction, regardless of Card Present / Card Not Present status:

Stripe Standard Application Fee is 0.30% application fee charged at the same time as the processing fee through your Stripe Standard account. This application rate is effective for all Stripe Standard integrated accounts as of November 15, 2022.

Stripe Standard customers can see the breakout of Stripe Processing Fee vs. ArtCloud Application fee in their Stripe Dashboard.

Other important notes and terms:

To avoid delays or limits to receive payouts, please link a bank account, not a debit card during the Stripe onboarding.
Stripe Fees are non-refundable. Once payment has been processed, the payment can be refunded to the end customer, but Stripe will keep the fees from the initial processed payment (as calculated above). This will appear as a withdrawn fee on your Stripe Dashboard.

Affirm | Buy Now, Pay Later (via Stripe) - Processing Fees

ArtCloud is now offering a buy now-pay later payment processing option through Affirm from Stripe. This option is only available via the Remote Pay Link from invoices in ArtCloud.

7% flat rate on any sale

Learn more here.

Need Help?

If you need any clarification about which fees apply to you in your account, please reach out to ArtCloud Support at support@artcloud.com.