{
  "name": "BoutiqueStack client-ops payment fees (HoneyBook, Dubsado, Bonsai)",
  "version": "0.7",
  "last_checked": "2026-10-23",
  "scope": "US merchant, US client, domestic payments",
  "license": "CC BY 4.0 — cite “BoutiqueStack payment fees, checked 2026-10-23” with a link",
  "url": "https://boutiquestack.pages.dev/data/payment-fees/",
  "rules": [
    {
      "key": "honeybook-card",
      "tool": "HoneyBook",
      "processor": "HoneyBook Payments",
      "method": "Card",
      "pct": 0.027,
      "fixed": 0.1,
      "note": "“Start at” rate; HoneyBook may charge more for some cards",
      "evidence": "“Card fees start at 2.7% + 10¢”",
      "url": "https://www.honeybook.com/pricing"
    },
    {
      "key": "honeybook-ach",
      "tool": "HoneyBook",
      "processor": "HoneyBook Payments",
      "method": "ACH",
      "pct": 0.015,
      "fixed": 0,
      "note": "No cap stated",
      "evidence": "“Bank transfer fees are 1.5%”",
      "url": "https://www.honeybook.com/pricing"
    },
    {
      "key": "dubsado-card",
      "tool": "Dubsado",
      "processor": "Dubsado Payments (Stripe)",
      "method": "Card",
      "pct": 0.029,
      "fixed": 0.3,
      "note": "US-based cards; international cards 4.4% + $0.30. Dubsado adds no fee of its own.",
      "evidence": "“US-based cards 2.9% + $0.30” · “Dubsado does not charge any additional payment fees”",
      "url": "https://help.dubsado.com/en/articles/8901346-dubsado-payments-processing-fees-in-2-0"
    },
    {
      "key": "dubsado-ach",
      "tool": "Dubsado",
      "processor": "Dubsado Payments (Stripe)",
      "method": "ACH",
      "pct": 0.008,
      "fixed": 0,
      "cap": 5,
      "note": "US merchants + US client bank accounts only; ~4 business days to settle; $20,000/week starting limit; $4 per failed ACH",
      "evidence": "“ACH direct debit (US Bank payments) 0.8% (up to a $5 maximum)”",
      "url": "https://help.dubsado.com/en/articles/8901346-dubsado-payments-processing-fees-in-2-0"
    },
    {
      "key": "bonsai-card",
      "tool": "Bonsai",
      "processor": "Bonsai Payments",
      "method": "Card",
      "pct": 0.029,
      "fixed": 0.3,
      "note": "Amex 3.25% + $0.30; Instant Payouts add 1.5%; international payments add a 2.5% FX fee",
      "evidence": "“Credit and Debit Cards … 2.9% + $0.30”",
      "url": "https://help.hellobonsai.com/en/articles/452273-understanding-online-payment-methods-and-fees-at-bonsai"
    },
    {
      "key": "bonsai-ach",
      "tool": "Bonsai",
      "processor": "Bonsai Payments",
      "method": "ACH",
      "pct": 0.01,
      "fixed": 0,
      "min": 1,
      "note": "No cap stated; 2–5 business days to process",
      "evidence": "“Bank Transfer (ACH): 1.0% ($1 minimum)”",
      "url": "https://help.hellobonsai.com/en/articles/452273-understanding-online-payment-methods-and-fees-at-bonsai"
    }
  ],
  "bonsai_third_party_platform_fee": {
    "pct": 0.01,
    "amexPct": 0.0135,
    "evidence": "“utilizing other payment processors, such as Stripe Payments or PayPal, will result in an additional 1% platform fee” — Bonsai help center, read 2026-10-23",
    "url": "https://help.hellobonsai.com/en/articles/452273-understanding-online-payment-methods-and-fees-at-bonsai"
  },
  "examples_usd": [
    {
      "amount": 500,
      "fees": {
        "honeybook-card": 13.6,
        "honeybook-ach": 7.5,
        "dubsado-card": 14.8,
        "dubsado-ach": 4,
        "bonsai-card": 14.8,
        "bonsai-ach": 5
      }
    },
    {
      "amount": 2500,
      "fees": {
        "honeybook-card": 67.6,
        "honeybook-ach": 37.5,
        "dubsado-card": 72.8,
        "dubsado-ach": 5,
        "bonsai-card": 72.8,
        "bonsai-ach": 25
      }
    },
    {
      "amount": 6000,
      "fees": {
        "honeybook-card": 162.1,
        "honeybook-ach": 90,
        "dubsado-card": 174.3,
        "dubsado-ach": 5,
        "bonsai-card": 174.3,
        "bonsai-ach": 60
      }
    },
    {
      "amount": 10000,
      "fees": {
        "honeybook-card": 270.1,
        "honeybook-ach": 150,
        "dubsado-card": 290.3,
        "dubsado-ach": 5,
        "bonsai-card": 290.3,
        "bonsai-ach": 100
      }
    }
  ]
}