VitaPay and Stripe: two ways to price a card payment.
Stripe publishes a flat, pay-as-you-go rate for online and in-person card payments, with custom packages, including interchange-plus, for businesses with large volume.
How Stripe prices, from its own pages.
Stripe’s standard pricing is a flat percentage plus a fixed amount per successful card payment, with separate published rates for online and in-person payments and additions for manually entered cards, international cards and currency conversion. Its pricing page says there are no setup fees or monthly fees on that standard pricing.
Published standard US rates
Stripe publishes separate flat rates for online and in-person domestic card payments, plus additions for manually entered cards, international cards, currency conversion and Tap to Pay authorizations. The current figures are on Stripe's pricing and Terminal pages (checked September 21, 2026).
Stripe lists custom packages, including IC+ pricing and volume discounts, for businesses with large payments volume or unique business models. It does not publish a volume threshold for them. Stripe pricing page.
Where each model tends to fit.
Who Stripe suits
Online businesses and software platforms that want to start taking payments on published, pay-as-you-go pricing with no monthly fee, and that want to build checkout directly on Stripe’s tools.
Where VitaPay tends to fit
Restaurants that want to keep more of every sale with a cash discount program, set up compliantly, and larger groups that want a statement they can audit, on a cash discount program or transparent interchange-plus.
Whether it costs less depends on your card mix, your average sale and the pricing you are quoted, which is why VitaPay quotes in writing against your own statement rather than publishing a headline rate.
VitaPay and Stripe, point by point.
| Compared | VitaPay | Stripe |
|---|---|---|
| Pricing model | A cash discount program for restaurants by default; for larger groups, a cash discount program or transparent interchange-plus. | Published flat rates for online and in-person payments, with listed additions, on Stripe's pricing and Terminal pages. |
| Published standard rates | Not published. Quoted in writing after a statement review. | Published flat rates for online and in-person payments, with listed additions, on Stripe's pricing and Terminal pages. |
| Contract terms, as publicly stated | No long-term contract and no early termination penalty. | Pay-as-you-go pricing with no setup fees or monthly fees, as stated on its pricing page. No contract term is stated there. Source: Stripe pricing page |
| Hardware, as publicly stated | Terminals can be bought outright or leased. A phone or tablet you already own can also be used. | Card readers are sold outright. Stripe’s Terminal page says in-person payments can be taken on devices made by Stripe or by third-party providers. Source: Stripe Terminal page |
| Statement transparency | No statement, batch or annual fee and no monthly minimum, so every line is one you agreed to. On interchange-plus, interchange and assessments appear at cost, with the VitaPay margin shown as its own line. | Published flat rates for online and in-person payments, with listed additions, on Stripe's pricing and Terminal pages. |
When Stripe may be the better fit.
Published flat rates for online and in-person payments, with listed additions, on Stripe's pricing and Terminal pages.
Common questions.
What does Stripe charge for a card payment in the US?
Stripe publishes flat rates for online and in-person payments with domestic cards, with additions for manually entered cards, international cards and currency conversion. Check Stripe's pricing page for the current figures.
Does Stripe offer interchange-plus pricing?
Stripe lists IC+ pricing among the custom packages it offers businesses with large payments volume or unique business models. Its standard, published pricing is a flat rate.
Sources and date checked.
Every statement about Stripe on this page was read on its own website. Prices and terms change; check the source before relying on them.
- Stripe pricing page Checked September 21, 2026
- Stripe Terminal page Checked September 21, 2026
Other comparisons: VitaPay and Square, VitaPay and Toast, VitaPay and Shift4
Compare against your own statement.
Send us a recent statement and we will separate interchange and network costs from the processor’s share, then quote you in writing. No long-term contract and no early termination penalty.
