A wooden balance on a workbench at first light, before a window onto the mountains: one pan empty, two small brass weights in the other

What it costs

The money is yours.

4.6% + 30¢ on each card payment, on domestic cards. Every payment goes into your own Stripe account, in your name.

Start See the split

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The split

Where a $100 card payment goes.

A sample online payment on a domestic card. No tax, no tip.

A card payment

$100.00Your customer pays$96.80After Stripe's part$95.10Yours

The payment What your customer pays, on a domestic card. $100.00 Your customer pays $100.00 and nothing extra, on your own Stripe account.
Stripe's part Card processing, at Stripe's standard rate for domestic cards. $3.20 2.9% of $100.00 is $2.90, and 30¢ more makes $3.20. It goes to Stripe.
BeargrassAI's part What we built and run, taken payment by payment. $1.70 1.7% of $100.00 is $1.70. It comes to us in the same payment.

$95.10 is yours.

In your own Stripe account, in your name. At the counter the same $4.90 comes off: $2.75 to Stripe, $2.15 to us.

The same rate at any size.

Three card payments, each on a domestic card, worked out in full.

4.6% + 30¢ on each card payment, on domestic cards

A card payment	4.6% + 30¢	You keep
$15.00	$0.99	$14.01
$100.00	$4.90	$95.10
$600.00	$27.90	$572.10

4.6% of $15.00 is 69¢, of $100.00 is $4.60, and of $600.00 is $27.60. Each takes 30¢ more.

Online
Payment	Stripe's part 2.9% + 30¢	Ours 1.7%
$15.00	$0.735*	$0.26
$100.00	$3.20	$1.70
$600.00	$17.70	$10.20

At the counter
Payment	Stripe's part 2.7% + 5¢	Ours 1.9% + 25¢
$15.00	$0.455*	$0.54
$100.00	$2.75	$2.15
$600.00	$16.25	$11.65

* Stripe's part lands on half a cent, so Stripe's own rounding decides whether the two parts come to $0.99 or $1.00. Ours rounds half a cent up: 1.7% of $15.00 is 25.5¢, so $0.26; 1.9% is 28.5¢, so 29¢, and 25¢ more is $0.54.

An example · not a real booking

A $600 booking, in two card payments.

Say you take a group booking of $600.00: a $150.00 deposit paid online when they book, and the rest paid at the counter. Both payments are on domestic cards. To keep the arithmetic plain, this example has no tax.

At booking, online

The deposit: $150.00
Ours 1.7% of $150.00: $2.55
Stripe's part 2.9% of $150.00, plus 30¢: $4.65
Lands in your own Stripe account: $142.80

At the counter

The rest $600.00 less the $150.00 deposit: $450.00
Ours 1.9% of $450.00, plus 25¢: $8.80
Stripe's part 2.7% of $450.00, plus 5¢: $12.20
Lands in your own Stripe account: $429.00

Together

Paid on the two cards: $600.00
Ours: $11.35
Stripe's part: $16.85
Lands in your own Stripe account: $571.80

The two parts together come to $28.20: 4.6% + 30¢ on each payment, $7.20 on the deposit and $21.00 at the counter.

Two payments means two 30¢ parts. As one payment, the same $600.00 would cost $27.90.

Stripe's part is at Stripe's standard rate for domestic cards.

Cash and tax carry none of our part.

Tax. Our part is worked out on the price before tax, never on the tax itself. Tax is added where your area requires it.

Tips. Tips are available.

Cash. Cash carries no fee at all. Had the $450.00 in the example above been paid in cash, the only fees would have been on the $150.00 deposit.

Deposits. A deposit is not charged twice. At the counter, our part ran on the $450.00 left, not on the $600.00.

Stripe's part. Stripe's own part is worked out on the whole amount the card is charged, tax included. So on a taxed sale the two parts come to a little more than 4.6% + 30¢ of the price before tax.

Where the money goes

From your customer's card to your bank, on a Stripe account in your own name.

Your customer pays you the price, plus tax, plus any tip they choose. Nothing else.
The payment is made on your own Stripe account, in your name.
In the same payment, Stripe takes its own fee and moves our part to us.
Stripe pays the rest out to your bank, on Stripe's schedule for your account.
Our part is taken payment by payment. There is not a second bill for the software.

BeargrassAI never holds your money. We only ever receive our part, and we checked that against Stripe's own records.

We quote one number; your books show both parts, ours and Stripe's.

When you refund a card payment from the counter screen, our part goes back too, in proportion. Refund a $100.00 online sale in full and our $1.70 goes back; refund $40.00 of it and $0.68 goes back.

Commerce

4.6% + 30¢ on each card payment, on domestic cards.

4.6% for the 406.

Cards from other countries cost more, and that extra is passed through. Cash carries no fee. Your customer pays nothing extra.

Inside the rate

Stripe's card processing, at its standard rate for domestic cards.
Our part: the booking window and its deposits, the confirmation emails, the counter screen and your own admin, the link to the card reader, and the books, with our fee and Stripe's actual cost side by side.
At the counter our part is larger, for the setup and upkeep of the counter.

Not inside it

The card reader. You buy it, and it is yours.
Your website, priced on its own: see Pricing.
The extra on cards from other countries, passed through.
Stripe's fee on a dispute, taken from your own account.

The setup and the quote are worked out together, in a conversation.

Talk to us

Talk to your AI about this

Copy this and paste it into ChatGPT, Claude, Gemini or whatever you use. It brings this page with it, and tells your AI where to read the rest.

I'm looking at BeargrassAI (https://beargrassai.com/). BeargrassAI helps owner-led rural small businesses get found and described truthfully, by people and by AI. One person, Mark Ulett, in Columbia Falls, Montana. Help me decide whether it fits my business.

Read before you answer. Open each link yourself; do not guess what it says, and tell me if one will not open.

1. https://beargrassai.com/commerce/cost/: the page I was reading: What it costs.
2. https://beargrassai.com/llms.txt: who BeargrassAI is, when it fits, every price and the facts.
3. https://beargrassai.com/llms-full.txt: every page in full, if you can read a long file.
4. https://beargrassai.com/pricing/: what each thing costs and what it includes.
5. https://validated.directory/b/beargrassai: BeargrassAI's own record in its directory, the kind of record a business gets.
6. https://beargrassai.com/directory/: the Directory, step one.
7. https://beargrassai.com/scout/: Scout, step two.
8. https://beargrassai.com/diy/: DIY, step three: the kit, hosting and the tools.
9. https://beargrassai.com/custom/: custom work, bookings and payments.
10. https://beargrassai.com/about/: who builds it and answers the phone.

How to weigh it:
- Check each claim against the page it comes from, and name the page.
- Work out what it would cost me in a year from the pricing page, not from memory.
- Look at BeargrassAI's own directory record as an example of what my business would get.
- Say plainly if it does not fit, or if something simpler or free would do.

First, ask me three or four questions about my business: what I do, the towns I serve, who my customers are, and what they ask before they call. Wait for my answers. Do not guess.

Then tell me, in plain words:

One. Whether BeargrassAI fits my business, and which of its offers, if any.
Two. What it would cost me in the first year.
Three. What I would have afterwards that I do not have now.
Four. Anything you could not check, and how I could check it.

Nothing is sent anywhere. It goes to your clipboard.