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How to Pass Stripe Fees On To Your Customers in WordPress

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Written By: author image Natalie Jones

Wouldn’t it be nice to remove the payment processing fee every time a user makes a purchase on your WordPress site? 

Similar to all online payment processors, Stripe charges an additional fee for every transaction it processes. The fee is often percentage-based, which means the higher the sale price, the higher the fee is. 

In this article, we’ll show you how you can receive the full net payment amounts by passing the Stripe processing fee on to your customers.

Recovering the Stripe Processing Fee in WordPress

You’ve probably noticed that after a transaction on your site occurs, you don’t receive the exact amount you specified. This is because the Stripe processing fee is deducted from your earnings.

Stripe processing fee amounts vary depending on where you’re located, and the payment method chosen by your users.

For example, let’s say you’ve set the price of a product on your site at $100. If you’re based in the United States and your customer uses a credit card to check out, you would only actually receive $96.80. This is because Stripe collects 2.9% plus 30¢ to process a successful credit card transaction.

While this can be frustrating, having a way to add an extra amount to your site’s payment forms is the perfect way to recover the cost of the Stripe processing fee. That way, you’ll receive the exact amount you’re expecting from each sale.

The #1 Stripe payments plugin for WordPress, WP Simple Pay, comes with tons of pre-made payment form templates that let you easily customize form fields and also configure fee recovery options.

wp simple pay homepage

Here are a few of the benefits of WP Simple Pay’s Fee Recovery feature:

  • Receive the total payment amount by forcing or requesting users to pay the Stripe processing fee.
  • Collect the processing fee on a per-payment method basis. This way, you can ensure that the full processing fee for all the different payment methods is covered including the more expensive ones like credit cards.
  • Require or allow users to cover the Stripe processing fee for donations so your cause doesn’t lose out on needed funds.

Remove the additional 3% fee! 

Most Stripe plugins charge an additional 3% fee for EVERY transaction
…not WP Simple Pay Pro!

Without any more delay, let’s take a look at how to easily pass the Stripe processing fee on to your customers in WordPress so you can start collecting your desired amount without any deductions. 

Step 1: Install and Activate WP Simple Pay

To either request or force customers to cover the Stripe processing fee on your WordPress site, the first thing you’ll need to do is install and activate WP Simple Pay.

You can do this by visiting the pricing page, purchasing the best plan for your needs, and uploading the plugin to your WordPress site.

For more details, check out this step-by-step guide on how to install WP Simple Pay.

Once you’ve activated the plugin in WordPress, go ahead and click on the Let’s Get Started button.

Note: If you’re not directed to the setup wizard automatically, you can navigate to your WordPress dashboard, go to WP Simple Pay » Settings » Advanced and click on the Launch Setup Wizard button.

Step 2: Connect Stripe to WordPress

Now that you’ve installed and activated WP Simple Pay, you’ll need to connect your Stripe account to WordPress in order to begin accepting payments and configuring recovery fee options.

Click on the Connect with Stripe button in the setup wizard.

If you already have a Stripe account, all you need to do is go ahead and connect it to your site. To create a Stripe account, click on the Create a new account button.

Once you have completed this process, you’ll see a success page that says Setup Complete.

Step 3: Create a Payment Form

To begin accepting payments on your site and passing the Stripe processing fee on to your customers, you’ll need to create a payment form.

First, click on the Create a Payment Form button on the success page.

You should now be able to see a library of different types of payment form templates. For the purpose of this tutorial, let’s go ahead and choose the basic Payment Form template.

This will take you to the General tab of your payment form template, where you can customize your form’s title, description, and choose between an on-site payment form or having it show up off-site on the Stripe checkout page.

To customize the Payment Success Page, you can choose a specific page from your site or you can redirect customers to a third-party site by selecting Redirect URL.

Spam and fraud protection settings can also be set on this page.

Step 4: Configure the Form to Accept Payments

After creating the payment form, it’s time to configure it to accept payments.

First, navigate to the Payment option on the left to customize the currency, amount, and also select between a one-time or subscription payment.

Next, navigate down to Payment Methods. Here is where you can see all the different payment methods that are available in your country and choose the ones you want to allow your users to use.

To add a recovery fee for credit cards, simply click on Configure.

A popup appears, allowing you to customize the Fee Recovery values.

Because Stripe collects 2.9% plus 30¢ when processing credit cards, you’ll want to add this to the fields to ensure that the fee gets passed on to your customers.

You can configure the fee recovery amounts for each of the different payment methods by following the same steps.

Next, you can add, remove, or customize any existing form fields by clicking on Form Fields on the left.

It’s a good idea to show your customers exactly how much you’re charging them by using the Amount Breakdown field.

To include the amount breakdown on your form, select the field Amount Breakdown in the dropdown and click Add Field.

This is how your Amount Breakdown will appear on your live form.

Step 5: Allow Users to Cover the Processing Fee

If you’re concerned about how forcing customers to cover the Stripe processing fee will impact your sales, there is no need to worry.

WP Simple Pay lets you offer users a choice whether or not to pay the fee during checkout.

You can do this by simply going to Form Fields and adding a Fee Recovery Toggle to the list of form fields from the dropdown menu.

Once the Fee Recovery Toggle has been added to the list, you can customize the label to meet your needs.

For example, for a donations payment form, you can add a personal message that lets your users know that they’re choosing to pay the processing fee in addition to making a donation.

Your live form will look something like this with the fee recovery toggle and customized label.

Now that your payment form has been created and configured to pass the Stripe processing fee on to your customers, you are ready to begin accepting payments.

Step 6: Add Your Payment Form to a Page

The final step to begin accepting payments with the Stripe processing fee covered by your customers is to embed the form on your site.

Simply go to the page or post where you want your payment form and click on the + icon to add the WP Simple Pay block.

Choose the form you just created from the dropdown menu and click Publish or Update in the upper right corner of your dashboard.

You did it!

We hope this article has helped you learn how to pass the Stripe processing fee on to your customers in WordPress.

If you liked this article, you might also want to check out how to enable Stripe Test Mode in WordPress.

What are you waiting for? Get started with WP Simple Pay today!

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32 responses to “How to Pass Stripe Fees On To Your Customers in WordPress”

  1. This is truly informative.

    Thanks so much and kudos to the team posting this!

  2. Dominic Avatar

    It’s powerful !

  3. Alfredo Avatar

    Sería interesante incorporar Stripe a más países para que todos pudiéramos usar su servicio

  4. Cherry Avatar

    This is an awesome plugin!

  5. Irshad Avatar

    Thanks, this is a good tip on increasing profit

  6. Chinedu Avatar

    Awesome content, thanks for sharing

  7. Scott Foster Avatar
    Scott Foster

    Interesting. Thanks for posting!

  8. Shelia T. Avatar
    Shelia T.

    This processing fee recovery plug-in ingeniously mitigates the usually unavoidable cost of doing business elegantly.

    Thank you for sharing your thoughts! It’s great to see innovative solutions developed to address common business challenges. Your description of the processing fee recovery plug-in sounds promising, and many businesses could benefit from it. Keep up the great work!

  9. Lakshmi Avatar

    Will the customer accept?

  10. I appreciated the simplicity of Simply Pay. Thanks for explaining how I can use this plugin! -MD

  11. Bonnie Avatar

    I’ve been using Stripe as my payment gateway in WordPress, but I was always absorbing the fees myself. After reading your article, I realized that passing on the fees to customers is possible. Your article was extremely helpful. Thank you!

  12. This is really helpful!

  13. Rob Metras Avatar
    Rob Metras

    Awesome plugin to save time and offer value

  14. Laynah Lafond Avatar
    Laynah Lafond

    I will definately install this so that I may recover fees .

  15. It makes great sense to have the fee passed onto the customer. There are taxes and other fees that companies charge all of the time. I think most people would accept the cost.

  16. This is really super

  17. Now that is a nifty way of getting around the commission loss for every product. Well done, Simple Pay.

  18. Interesting.

  19. Manish Kumar Singh Avatar
    Manish Kumar Singh

    after a lot of research finally, I got the best one for my customer payment and this blog is effortless to understand for beginners too. I mostly use Elementor and it’s very easy to design with this plugin. It’s a powerful payment gateway and how can I forget the fees? it’s totally worth it and awesome.

  20. Awesome plug-in for small business owners!

  21. Conrad Hall Avatar
    Conrad Hall

    This is an especially useful option for not-for-profit sites. I run a not-for-profit and have found donors are generally understanding about asking them to cover processing fees. The feedback I have received says they appreciate knowing their entire donation is going to support the cause.

    Asking customers to cover the fees in a for-profit business raises an interesting conversation. The Profit Margin is intended to cover overhead costs such as payroll, utilities, etc. Items such as taxes and shipping and handling are often added to the cost of the product rather than being covered by the Profit Margin. I know several retail stores where an extra fee is charged to customers paying with a debit or credit card, and that fee is different for the two types of cards.

    Does it boil down to who is receiving the greater convenience? If the business owner is gaining access to a greater customer pool by accepting Stripe, PayPal, credit cards, and other payment forms, then is it reasonable to include payment processing fees as part of the Profit Margin? On the other hand, if the business accepts additional forms of payment because customers are requesting it, is it then reasonable to require the customers to cover the processing fees?

  22. Great plugin !

  23. Dan Kelly Avatar
    Dan Kelly

    This looks like it will help a ton of people sell their products.

  24. Aditya Avatar

    Awesome way to save on processing fees without hassles

  25. Rohit Singla Avatar
    Rohit Singla

    The article was really very informative and helpful to give a few insights on passing the stripe fee onto the customers on the WordPress site. I’m glad to first know about the plugin itself.
    However, I am curious – we do have similar options available in some payment gateways so why do we need to use yet another plugin for the same purpose?

  26. Sally Laird Avatar
    Sally Laird

    It’s interesting, but I’m not sure if customers would accept the charge. Great idea for donations though

  27. Klobay Avatar

    Awesome Plugin!

  28. Mark Miller Avatar
    Mark Miller

    Good information to know.

  29. Jibraan Ahmed Avatar
    Jibraan Ahmed

    Awesome plugin!

  30. Bec McFarland Avatar
    Bec McFarland

    This is great to know. The costs of running a small business are already so high so it’s helpful to know we can share some of the burden with our customers.

  31. Michael Avatar


  32. Caroline Avatar

    Thanks great article

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