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Platform + Processing Fees

Overview of all fees associated with using Harness.

Megan Carlson Kladakis avatar
Written by Megan Carlson Kladakis
Updated over a week ago

Fees You Will See

Stripe Processing Fees

  • Standard = 2.9% + $.30 each transaction (Visa, MC, etc.)

  • Discount = 2.2% + $.30 each transaction (Visa, MC, etc.)

  • AmEx = 3.5%
    Harness cannot identify the card type prior to the donation being made so the suggested cover fee rate will be either the Standard or Discount rate for Visa/MC

  • ACH (Bank Transfer) = 0.8% or $5.00, whichever is lesser (fee is capped at $5.00)

  • Monthly Subscriptions/Donations = the fees above + 0.5%

    *Stripe charges a 0.5% fee for every recurring charge processed on the account (in addition to the processing fees charged separately). Harness includes this fee in the total fee coverage option for monthly gifts in the Harness checkout experience.

Harness Platform Fees

  • Basic = 3% (discontinued Sept. 2023)*

  • Premier = 1%*

  • Advanced = 0.5%*

  • Accelerator = 0.5%*

*Platform fees for ACH are your plan’s processing fee or $100, whichever is lesser.


How It Breaks Down 👇

Depending on what Harness plan you've subscribed to & what Stripe rate you're subscribed to, these are the fees you can expect to see:

On average 90% of donors cover the entire processing fee so you don't have to 🎉

One-Time Donations

Harness Advanced & Accelerator Plans

  • Harness + Stripe Standard Rate = 3.4% + $.30 (4% if AmEx)

  • Harness + Stripe Discount Rate = 2.7% + $.30 (4% if AmEx)

  • Harness + Stripe ACH Rate = up to 1.3% (Stripe ACH fee 0.8% or $5 cap)

Harness Premier Plan

  • Harness + Stripe Standard Rate = 3.9% + $.30 (4.5% if AmEx)

  • Harness + Stripe Discount Rate = 3.2% + $.30 (4.5% if AmEx)

  • Harness + Stripe ACH Rate = up to 1.8% (Stripe ACH fee 0.8% or $5 cap)

Harness Basic Plan*

  • Harness + Stripe Standard Rate = 5.9% + $.30 (6.5% if AmEx)

  • Harness + Stripe Discount Rate = 5.2% + $.30 (6.5% if AmEx)

  • Harness + Stripe ACH Rate = up to 3.8% (Stripe ACH fee 0.8% or $5 cap)

*discontinued Sept. 2023

Round-Up Donations

Harness Advanced & Accelerator Plans

  • Harness + Stripe Standard Rate = 3.4% + $.30 (4% if AmEx)

  • Harness + Stripe Discount Rate = 2.7% + $.30 (4% if AmEx)

Harness Premier Plan

  • Harness + Stripe Standard Rate = 3.9% + $.30 (4.5% if AmEx)

  • Harness + Stripe Discount Rate = 3.2% + $.30 (4.5% if AmEx)

Harness Basic Plan*

  • Harness + Stripe Standard Rate = 5.9% + $.30 (6.5% if AmEx)

  • Harness + Stripe Discount Rate = 5.2% + $.30 (6.5% if AmEx)

*discontinued Sept. 2023

Monthly Donations

Harness Advanced & Accelerator Plans

  • Harness + Stripe Standard Rate + Monthly gift = 3.9% + $.30 (4.5% if AmEx)

  • Harness + Stripe Discount Rate + Monthly gift = 3.2% + $.30 (4.5% if AmEx)

  • Harness + Stripe ACH Rate + Monthly gift = up to 1.8% (Stripe ACH fee 0.8% or $5 cap)

Harness Premier Plan

  • Harness + Stripe Standard + Monthly gift = 4.4% + $.30 (5% if AmEx)

  • Harness + Stripe Discount + Monthly gift = 3.7% + $.30 (5% if AmEx)

  • Harness + Stripe ACH Rate + Monthly gift = up to 2.3% (Stripe ACH fee 0.8% or $5 cap)

Harness Basic Plan*

  • Harness + Stripe Standard Rate + Monthly gift = 6.4% + $.30 (7% if AmEx)

  • Harness + Stripe Discount Rate + Monthly gift = 5.7% + $.30 (7% if AmEx)

  • Harness + Stripe ACH Rate + Monthly gift = up to 4.3% (Stripe ACH fee 0.8% or $5 cap)

*discontinued Sept. 2023


Troubleshooting

If you're experiencing fee discrepancies in your report, let's take a look at these elements:

  • Did the donor pay with an AmEx?
    AmEx charges 3.5% (instead of 2.2 or 2.9% + $.30) & our system cannot recognize and auto-adjust the rate to 3.5% for AmEx cards

  • Is the donation recurring (monthly)?
    Stripe charges an additional 0.5% that they actually charge you separately from the individual donation/transaction & our system does account for this

  • Have you received Stripe's non-profit discount & shared with Harness that you have?
    Stripe offers a discount but does not inform Harness when you've been approved for it. Our platform by default recommends donors cover Stripe's standard rate until you let us know you've been approved for the discount rate.

  • Do you have a special pricing arrangement with Stripe that differs from their standard rates?
    Our platform can only reflect Stripe's standard or non-profit discount rate.

  • Stripe made an error in the fees they charged you.
    Please contact Stripe Support directly for assistance.


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