How much will you pay in Stripe transaction fees?

Calculating Stripe fees for customer payments is easy with our calculator. Enter the payment amount to calculate Stripe's transaction fees and what you should charge to receive the full amount.

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Stripe fee:
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You'll receive:
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To take home $--, you should ask for:
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How much will you pay in Square fees?

Calculate how much you’ll pay in Square fees for online, in-person, and manually-entered payments.

Payment Amount
Square fees
Amount received after fees
In-person payments
For in-person payments with a card, Square charges a fee of 2.6% + $0.10 per transaction.
$ --
$ --
Manually-entered payments
For manually-entered payments or card-on-file payments, Square charges a fee of 3.5% + $0.15 per transaction.
$ --
$ --
Online payments
For online payments or payments via invoice, Square charges a fee of 2.9% + $0.30 per transaction. (If you're signed up for the Premium plan, the percentage fee is lower at 2.6%.)
$ --
$ --
Calculate estimated loan payments in seconds

Enter your loan information to get an estimated breakdown of how much you'll pay over the lifetime of your loan.

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Loan Term
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If you borrow -- over -- at an interest rate of --, you will pay a total amount of --, or -- per month.
Minimum monthly payment:
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Average monthly interest:
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Total interest paid:
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Total amount paid:
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How much will you pay in PayPal fees?

PayPal fees can be confusing. Our calculator helps you understand how much you’ll pay in fees for common transaction methods.

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PayPal fee:
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You’ll receive:
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To take home --, ask for:
$ 0.00

aybe you’re currently using Oxygen for their business banking needs and feel as though you’re outgrowing their product offerings, or you’re comparing business banking platforms. Whatever the reason, there’s a good chance Novo could be the right fit for your small business. Finding the right financial partner is an essential part of running a successful business. Novo is here to work with you while providing a business banking platform that is built specifically for your unique needs.

Novo is setting the new standard for financial services, and we are the trusted business banking platform for over 175,000 small businesses already. Read on to learn about the top features Novo provides to help businesses streamline their financial management and position themselves for growth and long-term success.

Why Novo is the Best Alternative to Oxygen

Free, simple, and secure banking, built for small businesses

Digital banking platforms are the wave of the future, and Novo is making financial management for business owners easier than ever before. 

With no monthly maintenance fees, transaction fees, or minimum balance requirements, Novo is small-business friendly right from the start.

Even our application was built to be accessible. To apply, you need a social security number, a U.S. address, and a U.S. phone number. We may ask for additional business documents if your business is based in certain states, but nearly any legal business can choose Novo as its banking partner.

Novo is built for growing businesses of all types

While Oxygen may be focused on the creator market, Novo can serve creators and more. We are experts in serving small businesses of all sizes, from sole proprietorships to established S-Corps. If you’re looking for a new home for your business finances, Novo may just be it. 

Online banking for modern entrepreneurs

No matter where you go, Novo is by your side. With both an Apple and Android app, manage your business finances from anywhere without missing a beat. Here are just a few of the functions you can facilitate from your phone and your computer alike:

  • Access existing accounts
  • Control debit card functions
  • Pay bills
  • Deposit checks
  • Process ACH transfers
  • Categorize transactions
  • Budget with Reserves

The Novo app is completely free for basic features and integrations. Check out our mobile app: Novo for iOS or Novo for Android

Superior integration with essential business software

While you can connect Oxygen to external platforms, Novo offers over a dozen in-app integrations for you to clarify your finances even further. Plus, you can still externally connect your account to over one thousand leading small business softwares. 

Here are several of our most popular and easy integrations that can help you streamline essential workflows for your business: 

  • QuickBooks
  • Stripe
  • Square
  • Shopify
  • Xero
  • Wave
  • Zapier

The best part is that these integrations are completely free. Novo does not charge for you to integrate external software with your Novo account, and they are available to all Novo users from the app marketplace on your app. 

sign up for Novo: powerfully simple business banking with no hidden fees

Access revenue in hours instead of days

Faster access to business funds is essential for the growth of small businesses in today’s economy, and Novo is at the forefront of providing frictionless cash flow solutions to small businesses. 

Novo Boost

Novo Boost is one of Novo’s most unique and loved offerings. Receive your Stripe payouts in your Novo account up to 95% faster, completely free. 

With Boost, you’ll worry less about missing payments, paying late fees, or dipping into personal funds to make business ends meet. Instead, you can compensate employees, vendors, and yourself on time while reinvesting in your business growth with faster revenue access.

Express ACH Transfers

While typical ACH transfers take between 1 and 3 days to process, Express ACH with Novo enables you to initiate same-day and next-day ACH transfers. Significantly reduce waiting time and free up your cash flow. 

Novo’s Express ACH transfers are an excellent alternative to Zelle. We currently don’t support Zelle on our platform, but emerging payment technologies are on our roadmap for the future.

Business debit cards

Novo offers a physical business debit card and a virtual card free of charge with your Novo account. For faster cash flow and immediate access to business funds, the Novo Virtual Card is available to activate as soon as you open your account. The Novo Virtual Card is usable for both online and in-person purchases, and it can connect instantly with Apple and Google pay. Learn more about the Novo Virtual Card

ATM fee reimbursement every month

While Novo does not have in-network ATMs, we do offer 100% reimbursement at the end of each month for any ATM fees incurred when taking out cash. Now you can access your cash without worrying about costly fees eating into your profit. 

Better budgeting solutions

Novo Reserves is a completely unique (and free) feature, available to all Novo account holders. Allocate your funds to different categories within your account, what we call “Reserves.” Novo is the only digital banking platform that allows you to allocate money in up to ten different Reserves, all 100% free. 

With Novo Reserves, automatically or manually earmark your cash for taxes, profit, marketing, inventory, payroll, and other expenses. We even offer an automated Profit First allocation. This means greater flexibility, predictability, and control when managing your business finances (plus better preparedness for events that can upset cash flow). 

Learn more about what Novo Reserves can do for your business. 

Unlimited professional invoices

As a Novo customer, you can create and send unlimited invoices for free. These invoices can be customized with your business name and logo for maximum professionalism. Recipients can pay with a credit card or with an ACH transfer straight to your account. 

Plus, if a client is late on a payment, you can easily track this and send follow-up reminders with just a few simple clicks. Novo invoicing makes receiving payments easier than ever for entrepreneurs. 

International payments on a global scale

Novo is partnered with Wise, an international payments platform. With Oxygen, there is no option to conduct wire transfers outside of the United States. With Novo’s Wise integration, you can easily send and receive international wires with low fees. Business owners always get the mid-market rates for transfers, guaranteeing a fair conversion.

Instant access to $5,000+ in savings

Like you, we know how important every dollar is as you grow and scale your business. From $20,000 in fee-free card processing on Stripe to 30% off your first-year HubSpot subscription (and 15% off every year after that), you automatically unlock over a dozen perks with your new Novo account. Learn more about saving over $5,000 for your business with Novo Perks.

Banking as innovative as you are

At Novo, we live and breathe innovation. Our team is dedicated to providing a best-in-class, modern business banking platform to empower our customers and give them an edge. Not only do we release new features and integrations regularly, but we continuously improve upon our existing product offerings. We’re also proud to offer human-powered customer service.

The best part? We take your feedback seriously. We’re always interested in hearing from our customers about what they’d like to see next from us.

Novo, the smarter digital banking platform alternative to Oxygen

Novo is the perfect online banking solution and partner for small business owners and entrepreneurs who are ready to give their businesses the edge and build lasting success. 

Apply for your Novo account in minutes and see how the right banking partner can make all the difference for your small business’ success.

All-in-one money management

Take your business to new heights with faster cash flow and clear financial insights —all with a free Novo account. Apply in 10 minutes.