A shopper payment on GrownBy has up to two processing costs:
- Card processing. Stripe or Fortis are the available payment processors, and each charges its own rate on card and ACH payments. You pick the processor that works for you.
- The 2% co-op fee. This is added to online card and ACH payments on GrownBy. It funds the co-op, and you can pass it to customers at checkout.
Card processing
You can use Stripe, Fortis, or both. Both processors work with GrownBy, and you can combine them. Stripe has no monthly fee. Fortis has lower per-transaction rates along with a monthly fee, and handles in-person SNAP/EBT with Register.
Stripe
Stripe handles online and in-person card payments, plus ACH bank payments.
| Payment type | Rate |
|---|---|
| Online cards | 2.9% + $0.30 USD |
| In-person cards | 2.9% + $0.15 USD |
| International cards, US farms | Extra 1.5% on cards issued outside the US, such as Canadian cards |
| ACH bank payments, US farms | 1% (max $5 USD) |
| ACH bank payments, Canadian farms | 1% (max $5 CAD) + $0.30 CAD |
| New ACH bank account | One-time fee of $1.50 USD or $2.00 CAD the first time a bank account is used |
| Monthly fee | None |
Fortis
Fortis handles online and in-person card payments, ACH bank payments, and in-person SNAP/EBT with Register. Fortis is only available to US farms, and all Fortis payments are in USD.
| Payment type | Rate |
|---|---|
| Online cards | 2.75% + $0.20 USD |
| In-person cards | 2.6% + $0.10 USD |
| ACH bank payments | 0.5% (max $5 USD) |
| In-person SNAP/EBT | $0.10 USD per transaction |
| Monthly fee | $6 USD |
For more on Fortis, see Fortis payouts and fees.
What you keep from a $100 USD online sale
Here's the same sale run through Stripe and through Fortis when your farm pays the fees itself.
| With Stripe | With Fortis | |
|---|---|---|
| Sale | $100.00 USD | $100.00 USD |
| Processing fee | − $3.20 USD (2.9% + $0.30) | − $2.95 USD (2.75% + $0.20) |
| Co-op fee (2%) | − $2.00 USD | − $2.00 USD |
| Your farm receives | $94.80 USD | $95.05 USD |
| Monthly processing fee | None | $6 USD per month |
Online SNAP EBT
There's no processing fee for online SNAP EBT payments through GrownBy's partners.
| Partner | SNAP EBT | Setup or monthly fee |
|---|---|---|
| Worldpay (SNAP EBT payments through GrownBy) | Free | None |
| Forage (online SNAP EBT payments) | Free | None |
Card payments on Register
Card payments taken in person on GrownBy Register have a single processing fee, which depends on your processor and whether you use a card reader or Tap to Pay. Tap to Pay is available through Stripe only, and its fee includes a per-tap charge.
| Payment method | Processing fee |
|---|---|
| Stripe reader, US | 2.9% + $0.15 USD |
| Stripe reader, Canada | 2.9% + $0.15 CAD |
| Fortis reader, US | 2.8% + $0.20 USD |
| Tap to Pay, US | 2.9% + $0.15 USD |
| Tap to Pay, Canada | 2.9% + $0.20 CAD |
There's no 2% co-op fee on in-person card payments.
International and Interac cards
The rates above apply to cards issued in your farm's country. International cards cost more because Stripe charges a higher rate to process them. For example, a Canadian card used at a US farm counts as an international card.
| Card type | Processing fee |
|---|---|
| International cards, card reader, US | 4.4% + $0.15 USD |
| International cards, Tap to Pay, US | 4.4% + $0.15 USD |
| International cards, card reader, Canada | 3.7% + $0.15 CAD |
| International cards, Tap to Pay, Canada | 3.7% + $0.20 CAD |
| Interac debit cards, card reader, Canada | 0.2% + $0.25 CAD |
You choose who covers the fees
Farms can pay processing and co-op fees themselves, or let customers cover most or all of the fees at checkout. In your Cart Options, choose one of:
- Hide cover fee option. Your farm pays all fees.
- Let customers choose to pay fees. Customers see the fees at checkout and can choose to pay them for your farm.
- Require customers to pay all fees. The fees are added to the customer's total.
When a customer covers fees, a percentage of the order (the processing rate plus 2%) is added to their total. The processing and co-op fees are then charged on that larger total, so your farm still pays a small amount. For example, on a $100 Stripe sale the customer pays $105.20 and your farm receives about $99.74.
If customers can choose or are required to pay fees, you can also turn on Show tip option for retail orders. A tip is added on top of any fees the customer covers, and processing and co-op fees are charged on the tip too.
Fee coverage applies to online and invoice payments only. It isn't available for payments taken on Register.
When the co-op fee applies
The 2% co-op fee is charged on the whole amount paid online by card or ACH, not only the products. That includes delivery or shipping, taxes, tips, and any fees the customer covers.
The 2% co-op fee does not apply to:
- In-person card payments on GrownBy Register, through Stripe or Fortis
- SNAP EBT payments through Worldpay, Forage, or Fortis
- Farm credit
- Cash
- Checks and other offline payments
If you use Register to charge the invoice for an online order, the co-op fee does apply.
Where the co-op fee goes
The 2% co-op fee funds the co-op, not investors. It pays for the operations of Farm Generations Cooperative, which builds GrownBy and is owned by the farms that use it. Learn more about co-op membership.