Fee on Me: Absorbing Payment Processing Fees
If you accept payments on Thryft Ship, a key consideration to make is how you want to handle payment processing fees. Payment processing fees are fees charged by Stripe to conduct a transaction through debit or credit card. The Fee on Me feature lets you decide whether you or your customer covers payment processing fees on checkout. When enabled, your customer pays exactly your listed price—no added fees at checkout—while you absorb the processing costs.
What does “Fee on Me” do?
By default, customers pay your listed price plus Stripe’s processing fee (2.9% + $0.30). With Fee on Me turned on, your customer pays only the listed price, and you cover the Stripe fee and Thryft Ship’s 2% fee.
Example (for a $5.00 item)
| Scenario | Customer Sees | You Receive (approx.) | Who Covers Processing Fee? |
|---|---|---|---|
| Default (Fee on Me OFF) | $5.46 | $4.89 | Customer |
| Fee on Me ON | $5.00 | $4.45 | Merchant (you) |
Notes: Stripe fee shown for illustration at 2.9% + $0.30. Thryft Ship fee is 2% of the subtotal.
Another reference point: On a $10.00 sale, you’d receive about $9.23 with Fee on Me ON, versus about $9.80 with it OFF.
When should I use it?
- You want buyers to see one simple price with no added fees at checkout.
- You’re focused on reducing abandoned checkouts caused by unexpected fees.
- You’re comfortable absorbing ~3–4% more in fees per order.
How to enable Fee on Me
- Go to Settings → Payments → Accept Payments → Payment Settings.
- Toggle Fee on Me to ON.
- Review the earnings estimate shown in the fee calculator.
- Save your changes.
Default: Fee on Me is OFF for all merchants.
What your customer sees at checkout
- Fee on Me ON: Customer sees only the base price. The “processing fee” line displays
--.--. - Fee on Me OFF: Customer sees base price + processing fee (current/default behavior).
Important notes & edge cases
Minimum transaction amount: When Fee on Me is ON, the minimum order total is $1.00 to prevent near-zero payouts on very small orders.
- Refunds: If you refund an order, Stripe’s processing fees are deducted from your earnings; Thryft Ship returns its 2% fee on the refunded amount.
- Timing/Locking: The fee setting is captured at the moment the payment is initiated (not when the cart is created). Changing the toggle mid-cart won’t affect in-progress checkouts.
- Transparency: You can optionally tell your customers in DMs that “Price includes all fees.”
FAQ
How much less will I make per order with Fee on Me?
Typically ~3–4% less, depending on your order total. Example: On $10.00, you’d receive about $9.23 with Fee on Me ON vs. $9.80 with it OFF.
Can I switch Fee on Me on/off any time?
Yes. You can toggle it in Settings → Payments → Accept Payments → Payment Settings. The setting applies to payments initiated after the toggle is saved.
Does Fee on Me change Thryft Ship’s 2% fee?
No. Our fee remains 2% of the subtotal. Fee on Me only changes who covers Stripe’s processing fee (you vs. your customer).
Will the fee line disappear on checkout?
With Fee on Me ON, the processing fee line shows as
--.-- so buyers only see the base price.
Is there a minimum order total?
Yes. With Fee on Me enabled, the minimum order total is $1.00.
How are refunds handled?
Customers are refunded what they paid. With Fee on Me ON, you still cover Stripe’s processing fees and Currently Thryft Ship's 2% on the refunded amount amount.
What happens if I change the toggle while a buyer has items in their cart?
The fee setting is applied at payment initiation. Carts started before your change will use whatever setting is active when the buyer begins checkout.
Need help?
If you have questions about enabling Fee on Me or seeing different totals than expected, please contact our support team at Support@thryftship.com or on Instagram at @ThryftShip
