Fees
Payment fees, explained
Indicative Stripe rates for Canada. Refresh against Stripe Pricing. KeepInTracks does not hide a processing cut inside the Business plan.
Collecting from customers
- Bank debit (PAD): about 1% + $0.40. No ACH-style fee cap.
- Card: about 2.9% + $0.30.
- Cash or cheque recorded in the app: $0 Stripe.
- KeepInTracks collection fee: none (0%). Stripe bills the merchant Connected Account.
Paying employees (Connect payout COGS)
- Active payout account: about $2.00 / employee / month with a payout.
- Volume: about 0.25% of payout amount.
- Per transfer: about $0.25.
Example: $4,000.00 / month across 2 transfers ≈ $12.50 Connect cost per employee.
Covered by the Direct deposit add-on ($15 / month per employee with bank on file) — never free in the $75 base.
Disputes & PAD returns
- Card dispute received: about $15.00 (non-refundable).
- Card dispute countered (manual evidence): about $15.00 — refunded if you win.
- Smart Disputes (Stripe AI): 30% of the recovered amount when won; dispute received fee still applies.
- PAD failure or return after settlement: about $5.00.
In the app, Accounting → Dispute fees shows the Stripe fees actually billed to your Connected Account.