Momence payment fee calculator
Momence bundles payment processing — your Stripe account is a sub-account behind Momence's, and its published US rate is 3.9% + $0.30, against 2.9% + $0.30 on your own Stripe account. Plug in your real card volume and average ticket to see what that card-rate gap costs you over a year.
For a UK studio at £120,000 annual card volume
With £22 average ticket, running your own Stripe account directly costs roughly £2,891/year(1.5% + 20p per transaction) while Momence's higher gross card rate — about a full percentage point above direct Stripe — costs roughly £4,091/year. The annual card-rate gap is ~£1,200, spread across about 5,455 transactions, and that is before Momence's separate per-booking platform fee. Junocal uses Stripe Connect Standard, so your existing Stripe rates apply directly with no platform rate on top. Last reviewed 21 May 2026.
| Provider | Rate | Annual fees | Effective % |
|---|---|---|---|
| Stripe direct (Junocal) | 1.5% + 20p | £2,891 | 2.41% |
| Momence gross rate | ~2.5% + 20p | £4,091 | 3.41% |
| Annual difference | — | +£1,200 | +1.00% |
Run your card volume
Your card volume
competitor
Momence
Basic ($0/mo) · processing 2.5% + 20p · 5% per-booking platform fee
- Card processing
- £4,091
- Per-booking platform fee
- £6,000
- Subscription / year
- £0
Total per year
£10,091
junocal
Junocal (your Stripe)
Stripe 1.5% + 20p direct · no platform fee · $29/mo Studio
- Card processing
- £2,891
- Per-booking platform fee
- £0
- Subscription / year
- £0
Total per year
£2,891
annual difference
£7,200 more on Momence
That's roughly 3.49× what your own Stripe account costs direct — paid every year, across roughly 5,455transactions. With Junocal you keep your own Stripe at direct rates; there's no higher processing rate and no per-booking platform fee.
The math, spelled out
Stripe direct: card volume × 1.5% (UK) or 2.9% (US) + per-transaction fee × estimated transaction count (volume / average ticket). Momence: its higher gross card rate — 3.9% + $0.30 on standard US accounts, roughly a full percentage point above direct Stripe — applied to the same volume, with a separate per-booking platform fee layered on top. Adjust the rates if you know yours.
FAQ
What does Momence charge to process a payment, in plain language?
Momence's published US processing rate is 3.9% + $0.30 per transaction — its gross card rate, not a small spread bolted onto Stripe. Compare that to running your own Stripe account directly at 2.9% + $0.30, and the card-rate gap is roughly a full percentage point. On top of the processing rate, Momence also layers a separate per-booking platform fee that varies by tier (5% on Basic, 2.5% on Pro, 0% on Custom). The exact figures vary by transaction mix and country. The calculator lets you change the rates so you can model your specific situation.
Why does this matter at low card volumes?
The card-rate gap between Momence's 3.9% + $0.30 and your own Stripe account at 2.9% + $0.30 is roughly a full percentage point. At £50,000 annual card volume that's ~£500/year — small but real. At £200,000 it's ~£2,000/year, more than a month of subscription fees. At £500,000 it's ~£5,000/year, often more than the platform subscription itself. The gap scales with revenue, which is why growing studios feel it more — and the per-booking platform fee compounds it.
Can I negotiate Momence's processing rate down?
Sometimes — high-volume studios occasionally negotiate a lower rate. But you can't match your own direct Stripe rate while staying on Momence's processing, because the processing revenue is part of the platform's model. Junocal uses Stripe Connect Standard, which means your Stripe account stays yours and your published Stripe rates apply directly — no platform rate layered on top.
What happens to my Stripe rates if I switch off Momence?
If your Stripe rates are negotiated, you get them back the moment you're using your own Stripe account directly. If you've never had a direct Stripe account, you start on Stripe's published rate card — which is still typically lower than the bundled rate Momence charges. The calculator's Stripe column uses the published rate as the comparison floor.
Tired of the card-rate gap?
Junocal uses Stripe Connect Standard — your Stripe account stays yours, at your existing rates, with no platform rate on top.