Understand Fees

MAAT always charges 1%. This never changes, anywhere in the world.

Everything else in your fees is paid to Stripe, our payment provided partner which is in charge of collecting digital payments.

Two things decide the Stripe portion:

This article explains exactly what makes up the fee on each payment.

This is the biggest part of the fee. It pays the card networks (Visa, Mastercard, Amex), the student's bank, and Stripe for moving the money safely. It changes based on what card the student uses and where it was issued. Or if the payment is process via Bank Direct Debit: ACH, BACS, BECS, SEPA etc.

This is a flat 0.7% on every recurring payment (monthly memberships, anything on a subscription). It pays Stripe for handling the subscription mechanics: charging your students automatically every month, retrying failed payments, sending receipts, managing cancellations and refunds.

Note: The 0.7% only applies to recurring payments (memberships). Drop-ins payment don't pay this fee.

This is a flat 1% on every payment, and it's the only part MAAT keeps.

Stripe is the infrastructure. MAAT is the integration. Stripe moves the money; the 1% is what builds and runs everything around it: automated billing, member management, one clean payout, and support. And because it's a flat 1%, MAAT only earns when you get paid.

The exact numbers depend on your country, but the structure is always the same. Here's a €60 membership paid with a standard personal card in the EU:

Out of €2.17 in fees, only €0.60 (1%) goes to MAAT. The other €1.57 is Stripe. You can confirm that 1.5% + €0.25 card rate and 0.7% Billing rate directly on Stripe's own pricing page.

The Stripe card fee (1.5% here) is the piece that changes by country, higher in the US and Canada, lower in Australia or Europe. But the 0.7% Stripe Billing and the 1% MAAT are identical everywhere.

Yes, this is how Stripe represents it.

Here's why it looks that way: MAAT is built on top of Stripe as something called a "Connect platform". This means MAAT collects the money from your students, takes its 1%, and then settles up with Stripe in the background. From your perspective, you see one fee line instead of three, because it's simpler and you get one clean payout to your bank account.

The fee you see grouped as "MAAT" actually contains the Stripe card fee + Stripe Billing fee + MAAT 1%.

This article is the breakdown.

Every rate below is Stripe's own published rate, which you can verify at stripe.com/pricing. MAAT's 1% is shown in its own column so you can always see it's separate and unchanging. Two rules apply everywhere:

The rate depends on your country (see the price list) and on what card the student uses.

Here are the things that change it:

Card processing is priced locally by Stripe. The US and Canada are the most expensive markets (Stripe ~2.9% domestic), Europe sits lower (Stripe ~1.5%), and Australia is among the cheapest (Stripe ~1.7%). This is set by Stripe, the card networks and banks in each country, not by MAAT.

A student visiting from overseas and paying with their home card will always cost more than a local student.

A card always costs more than a bank direct debit.

In many countries, students can pay by bank direct debit instead of card.

Availability depends on your country: SEPA in the EU, BACS in the UK, ACH in the US, PAD in Canada, BECS in Australia.

Generally cheaper, but it doesn't behave like a card:

Still great for steady monthly memberships, but is not a like-for-like swap for card.

Stripe charges no percentage on SEPA, just a €0.35 flat fee:

Same logic applies in the UK with BACS.

iDEAL is the most popular way to pay online in the Netherlands. For memberships, MAAT uses it in two steps so you get an instant first payment and low-cost recurring billing:

1. First payment is via iDEAL: When a member signs up, the first membership payment is taken through iDEAL.

2. A SEPA mandate is created automatically: That same iDEAL approval also sets up a SEPA Direct Debit mandate from the member's bank details.

3. Every renewal after that is via SEPA Direct Debit: All following monthly payments are collected automatically against that mandate, with no app approval needed each month.

The fees breakdown looks like this