Online invoice payments in Lunio are securely processed through Stripe. Depending on your plan, Lunio may charge a small platform fee in addition to Stripe’s standard payment processing fees.
Understanding Online Payment Fees
When you accept online invoice payments through Lunio, payments are securely processed using Stripe Connect.
This article explains:
- Stripe processing fees
- Lunio platform fees
- How payouts work
- Why your payout may differ from the invoice total
Stripe Processing Fees
Stripe charges payment processing fees for online payments accepted through Lunio.
These fees are charged directly by Stripe and can vary depending on:
- Payment method
- Card type
- Customer location
- Currency conversion
- Bank processing requirements
For most Canadian online card payments, Stripe fees are typically around:
- Credit & debit card payments: approximately 2.9% + CA$0.30 per transaction
- PAD/bank debit payments: typically lower percentage-based fees with capped transaction costs
Actual fees may vary depending on the transaction and payment method used.
Lunio Platform Fees
Free Plan
Free plan users are charged a:
0.5% Lunio platform fee on successfully paid online invoices.
This fee helps support:
- Payment infrastructure
- Invoice hosting
- Online payment processing features
- Platform development and support
Pro Plan
Pro subscribers pay:
0% Lunio processing fees
Only Stripe’s standard processing fees apply.
Example Payment Breakdown
Example for a $100 invoice paid online on the Free plan:
| Item | Amount |
|---|---|
| Invoice total | $100.00 |
| Estimated Stripe fee | -$3.20 |
| Lunio fee (0.5%) | -$0.50 |
| Estimated payout | $96.30 |
The amounts shown are examples only and may vary depending on the payment type and processing requirements.
Where Your Money Goes
When a customer pays your invoice online:
- Stripe securely processes the payment
- Stripe deducts its processing fees
- Lunio deducts any applicable platform fee
- Remaining funds are deposited into your connected Stripe account
Lunio does not hold customer funds.
Connected Stripe Accounts
Online payments in Lunio use Stripe Connect.
This means:
- Payouts go directly to your connected Stripe account
- Stripe manages payment processing and payouts
- You remain in control of your Stripe account and banking details
Questions?
If you have questions about payment processing fees or payouts, contact Lunio support.