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Overview

When a customer pays an invoice by card, a small Stripe processing fee comes out of the payment. The money goes straight to your own connected Stripe account — you’re the merchant of record, so Stripe’s fee is deducted from your charge and the rest is yours. Knead tracks these fees so you always know exactly what you received after processing costs, and Knead itself takes no cut.

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What Are Processing Fees?

Because card payments land in your own Stripe account, Stripe’s fee comes out of your charge — not Knead’s. The fee is a percentage of each transaction plus a small fixed amount: around 2.9% + $0.30 per card transaction (your exact Stripe rate may vary). The receipt your customer gets shows your business, and your payouts follow your own Stripe schedule. These fees are charged by Stripe, not by Knead. They cover the cost of securely processing cards and bank transfers.
Good to know: Different payment methods may have different fee rates. Card payments typically cost more to process than bank transfers. Check your Stripe dashboard for your exact rates.

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Where to See Fees on Each Payment

Knead shows processing fees at the payment level on every invoice.
  1. Open an invoice from The Counter.
  2. Scroll to the Payments section.
  3. Each payment shows three amounts:
  • Payment amount — What your customer paid.
  • Processing fee — What Stripe charged to process the payment.
  • Net amount — What you actually receive after the fee is deducted.
The calculation is straightforward: Net amount = Payment amount - Processing fee. For example, if a customer pays a $100 invoice and the processing fee is $3.20, your net amount is $96.80.

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Payment Methods and Fee Differences

Knead records the payment method used for each transaction. You may see:
  • Card — Credit or debit card payments. These typically carry the highest processing fees.
  • Bank transfer — ACH or direct bank payments. These often have lower fees than cards.
The payment method appears alongside the fee breakdown on the invoice detail, so you can see which methods cost more to process.
Pro tip: If processing fees add up, consider mentioning bank transfer as a payment option to repeat customers. Lower fees mean more revenue in your pocket.

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How Fees Appear in Payout Summaries

Knead aggregates your fee data so you can see the bigger picture.
  • Total payments received — The gross amount your customers paid across all invoices.
  • Total processing fees — The combined fees Stripe deducted.
  • Total net amount — Your actual revenue after all fees.
This helps you understand your true take-home revenue over any period. When you plan your pricing, these numbers show exactly how much processing costs eat into your margins.

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Understanding Your True Revenue

Processing fees are a cost of doing business with online payments. A few things to keep in mind:
  • Factor fees into your pricing. If your margins are tight, account for the roughly 2.9% + $0.30 processing cost when setting your sell prices.
  • Deposits are charged fees too. If you collect a $50 deposit and then a $50 balance payment, fees apply to both transactions separately.
  • Refunds may not return the fee. Check your Stripe account terms. In most cases, Stripe does not refund the processing fee when you issue a refund to a customer.
Good to know: Payments marked as paid manually (cash, Venmo, check) do not incur processing fees. Knead only records fees for payments processed through Stripe.
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