Listopedia

Stripe Atlas

US bank linking and ownership checks priced per successful call

Overview

Stripe Billing is the recurring-revenue product of Stripe, the payments company headquartered in San Francisco and Dublin[4]. It sits alongside Stripe’s subscriptions, invoicing, tax and revenue-recognition products, and is most often used by companies that already process payments through Stripe.

Stripe completed its acquisition of Metronome, a usage-based billing company, on 14 January 2026, and now lists Metronome in its product menu under “usage-based billing”[3][4]. Stripe Billing’s own pricing includes a usage-metering API with up to 100 million events a month[3].

Pricing is the most transparent of the large platforms. The pay-as-you-go plan charges 0.7% of billing volume, covering billing transactions processed both on and off Stripe but excluding one-off invoices. Companies that prefer predictable costs can sign a one-year contract with a monthly fee from US$620 that covers a set billing volume, with 0.67% charged on volume above the tier[3]. Card processing is charged separately, at 2.9% plus 30 cents per successful card charge in the US[3]. The principal limitation is that Stripe Billing is built around Stripe Payments; companies that want to route payments through several processors usually choose a gateway-agnostic platform.

Stripe Atlas features

  • REST APIs, Elements and hosted Checkout
  • Payment Links and invoicing
  • Radar machine-learning fraud screening
  • Billing for subscriptions
  • Connect for marketplaces and platforms
  • Terminal for in-person payments
  • Online checkout, payment links and APIs
  • Stripe Terminal readers and Tap to Pay

Stripe Atlas pricing

2.9% + 30¢ domestic online cards; +1.5% international; +1% FX; 2.7% + 5¢ Terminal; ACH 0.8% ($5 cap); $15 dispute fee; Radar from 5¢; Billing 0.7%. No setup or monthly fees.

Stripe Atlas strengths and limitations

Strengths

  • Complete public price list
  • Broad API and product coverage
  • No monthly fee
  • Lowest published fixed fee in person (5¢)
  • Broad online tooling and API coverage
  • Transparent dispute and payout fees

Limitations

  • International cards add 1.5%
  • Add-ons raise effective cost
  • Requires development work for custom flows
  • Integration usually needs a developer or platform
  • Add-ons (Billing, Radar) raise the effective rate
  • No free POS software comparable to Square or Clover

Appears in

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