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When you accept payments using a card reader in person, the risk of fraud is much lower than with online credit card transactions. Because of this, our payment processor, Stripe, offers lower processing fees for in-person payments.
Why Are Fees Lower for In-Person Payments?
Stripe reduces processing fees when you use a chip-capable card reader to take payment face-to-face.
In-person fees: 2.7% + $0.30 per transaction
Online fees: 2.9% + $0.30 per transaction
These fees drop when you're using an approved reader.
How Disputes Are Handled
Merchants using chip-capable readers are not liable for fraudulent-type disputes. These disputes are handled by the card-issuing bank.
Your card reader must be chip-capable.
You're still responsible for other types of disputes—learn more here.
In-person payments require an active WiFi connection and a supported card reader.
Need Additional Support?
Click the blue chat bubble in the bottom corner of your screen to message our support team—we’re happy to help!