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Where to find this: Product Builder → Section 2 (Payment Options) → Processing Fee

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What processing fees are

Every successful transaction incurs two fees: Stripe’s processing fee, plus CoachIQ’s platform fee. US standard rates:
  • Stripe: 2.9% of transaction amount, plus $0.30 per transaction
  • CoachIQ: 1% of transaction amount, plus $0.20 per transaction, added on top of Stripe’s fee
  • Combined: 3.9% + $0.50 per transaction
Example:
  • $100 charge
  • Stripe fee: (100 × 0.029) + 0.30 = $3.20
  • CoachIQ fee: (100 × 0.01) + 0.20 = $1.20
  • Total fee: $4.40
  • You receive: $95.60
International cards and currency conversions may have additional Stripe fees.

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Who pays the fees

You decide who covers Stripe’s processing fees:
Default option - You pay the feesClient pays product price. You receive product price minus the combined Stripe + CoachIQ fee.Example:
  • Product price: $100
  • Client pays: $100
  • Total fee (Stripe + CoachIQ): $4.40
  • You receive: $95.60
Pros:
  • Simpler pricing
  • Better client experience
  • Standard industry practice
Cons:
  • Reduces your revenue per sale
  • Fees add up over time
  • You lose 3.9%+ on every sale

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Configure processing fees

1

Open Product Builder

Go to Payments → Products and either:
  • Click + Create Product for new product
  • Click existing product to edit
2

Navigate to Payment Options

Scroll to Section 2: Payment Options
3

Find Processing Fee toggle

Choose to toggle processing fee on or off
Processing fee toggle in CoachIQ Product Builder payment options
4

Decide on fee

Choose whether you or client pays Stripe fees.If you select Add processing fee, additional fields appear.
5

Configure fee structure (if client pays)

Two fields appear:Fixed amount: $0.50 (Stripe’s $0.30 + CoachIQ’s $0.20)Percentage: 3.9% (Stripe’s 2.9% + CoachIQ’s 1%)These default to the combined Stripe + CoachIQ standard US rates. You control both fields directly — adjust them if your Stripe rates differ, but keep CoachIQ’s 1% + $0.20 included so the combined fee is fully covered.
Check your actual Stripe rates in Stripe Dashboard. Rates may differ based on processing volume, country, or negotiated pricing.
6

Save product

Click Create Product.
Fee configuration saved. Applies to all future purchases of this product.

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How clients see fees

Simple checkout - Client sees product price only
Clean, simple. Client pays exactly what’s advertised.

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Calculating fee amounts

Combined formula: Fee = (Transaction amount × 0.039) + $0.50 (Stripe’s 2.9% + $0.30, plus CoachIQ’s 1% + $0.20) Examples:
These calculations use the combined 3.9% + $0.50 rate (Stripe 2.9% + $0.30, CoachIQ 1% + $0.20). Your actual Stripe rate may differ based on your account; CoachIQ’s 1% + $0.20 applies uniformly.

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Fees for ACH payments

If your organization accepts US Bank Account (ACH) payments, the Processing Fee settings on each product include a separate fee for ACH. Bank payments cost less to process than cards, so this lets you pass on a lower fee (or no fee) to clients who pay by bank while still charging the card fee to clients who pay by card, on the same product. Why this exists: Before this option, the only way to offer a cheaper bank-payment price was a second copy of every product. Now one product carries both a card fee and an ACH fee, and checkout applies whichever matches the method the client picks. Setting it up:
  1. Turn on ACH for your organization (see Payment methods at checkout).
  2. In the product’s Section 2: Payment Options → Processing Fee, set the card fee as usual.
  3. Set the ACH fee. Stripe’s published US rate for ACH Direct Debit is lower than its card rate and capped per transaction; check your own Stripe pricing and enter a fixed amount and percentage that cover what a bank payment actually costs you, or leave it at zero to absorb the fee for bank payers.
Many coaches pass the full card fee to card payers and charge nothing extra for ACH. The lower total nudges families toward bank payments for large registrations without changing the product price.
The ACH fee option only appears when ACH is enabled for your organization. Products created before you enabled ACH pick up the option the next time you edit them.

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Custom fee structures

Some coaches configure custom fee amounts: Higher than Stripe fees:
  • Cover additional costs (bookkeeping, software)
  • Flat $5 processing fee instead of calculated amount
  • Markup percentage (3.5% instead of 2.9%)
Lower than Stripe fees:
  • Split costs with client (1.5% + $0.15 each)
  • Absorb fixed fee, pass percentage only
  • Subsidize to reduce client price impact
Be transparent about fees. Unexpected charges damage trust and may violate consumer protection laws in some areas.
Before passing fees to clients, check: State regulations:
  • Some states prohibit credit card surcharges
  • Others require specific disclosures
  • Rules vary by location
Stripe’s terms:
  • Must comply with Stripe’s surcharging requirements
  • Proper labeling required
  • Card brand rules apply
Disclosure requirements:
  • Must inform clients before purchase
  • Can’t hide fees in fine print
  • Clear explanation of what fee covers
Consult legal counsel about surcharging regulations in your jurisdiction before implementing.

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Impact on pricing strategy

Build fees into your base priceIf you absorb fees, increase base price to maintain margins:
  • Target: $100 profit per session
  • Combined fee (Stripe + CoachIQ): ~4%
  • Set price: ~$105 to net $100
Client sees: $105 (clean price)You receive: ~$100 after fees
Result: Similar final cost to client either way. Choose based on market expectations and legal compliance.

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International and special fees

Additional Stripe fees may apply for: International cards:
  • Stripe adds 1% for non-US cards (Stripe total: 3.9% + $0.30 for international)
  • CoachIQ’s 1% + $0.20 still applies on top of Stripe’s rate, international or domestic
Currency conversion:
  • Additional 1% for currency conversion (Stripe)
  • Applies when charge currency differs from payout currency
Disputed charges:
  • $15 chargeback fee
  • Separate from processing fees
  • Usually not passed to clients
Most coaches use the standard combined rate (Stripe 2.9% + $0.30, CoachIQ 1% + $0.20) for US cards and absorb international card fees rather than configuring multiple fee structures.

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Changing fee configuration

Existing products:
  • Edit product → Section 2 → Update processing fee settings
  • Changes apply to future purchases only
  • Doesn’t affect past transactions
Active subscriptions:
  • Fee configuration locked at subscription creation
  • Can’t change mid-subscription
  • Applies to new subscriptions only
Changing who pays fees mid-campaign may confuse clients. Communicate changes clearly.

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Best practices

Be transparent:
  • Clearly state who pays fees in product descriptions
  • Don’t surprise clients at checkout
  • Explain fee purpose if passing to clients
Stay consistent:
  • Apply same fee policy across similar products
  • Don’t switch approaches frequently
  • Document your policy
Comply with laws:
  • Research local surcharging regulations
  • Follow Stripe’s requirements
  • Consult legal if uncertain
Monitor impact:
  • Track conversion rates by fee approach
  • Gather client feedback
  • Adjust based on data, not assumptions

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Next steps

  1. Revenue sharing - Split revenue with partners or contractors
  2. Guest checkout - Allow purchases without accounts
  3. Product Builder reference - Complete Product Builder guide
  4. Payment methods at checkout - Cards, wallets, ACH, and where to enable them