When your client pays you, the transaction fee is automatically subtracted from the amount you'll receive so there is no action needed on your part, no bill to pay at the end of the month.
The transaction fees for Joist Payments with Stripe are listed below and are effective as of August 2025. For Joist Payments with PayPal fees, please see this article instead.
Fee Schedule
US
Method | Percentage of Transaction Amount | Fixed Fee |
Credit / Debit Card | up to 3.49% | 0.49 USD |
ACH Bank Transfer | 1% | $0 |
Apple Pay and Google Pay | 3.49% | 0.49 USD |
Canada
Method | Percentage of Transaction Amount | Fixed Fee |
Credit / Debit Card | 2.90% | 0.30 CAD |
Apple Pay and Google Pay | 2.90% | 0.30 CAD |
With just one tap in Joist, you can also cover the fees: Cover the transaction fee with Joist Payments
If a payment transaction is not complete, no fee is charged.
If you issue a refund, the transaction fee is not returned to you. For more on refunds, check out: Can I issue a refund if my client paid through Joist Payments?
*You are charged additional Fees for exception processing, such as when you receive a chargeback, return or dispute. These Fees are netted by the Bank against other funds due to you or debited by the Bank from your Settlement Account or your Designated Merchant Bank Account.*