Calculate Ruba Fees

Ruba’s public rate has no monthly platform charge. Forecast costs in four layers: the successful transaction, any card or recurring adjustment, exceptional payment events, and the eventual payout.

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Start with the successful transaction

The base Ruba fee is 6% + $0.50 for each successful transaction. The dashboard shows the fee before funds enter your available balance. Two adjustments can apply:

• International card: add 1.5%.
• Subscription payment: add 0.5%.

Processor or card-network charges introduced in the future may be passed through when the applicable terms allow it.

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Check the amount with a worked example

A $30 product sold to a Swedish consumer with 25$37.50 customer total. The fee layers are: The combined fee is $3.31** for a one-time international-card payment or **$3.50 when that payment is recurring. Rounding occurs in the transaction currency.

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Account for refunds and disputes

Full and partial refunds are supported, but the original transaction fee remains because the processor and card-network costs are not reversed. Ruba may issue a refund within 60 days when doing so is necessary to prevent a likely dispute. A dispute costs $15 whether the merchant wins or loses. The fee is deducted from the Ruba balance. Ruba monitors chargeback levels because card networks can impose monitoring and penalties around a 0.7% or higher rate; an organization may be suspended when risk cannot be reduced promptly. Read the refund workflow →

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Forecast withdrawal costs

Ruba adds no payout markup. The current Stripe payout charges are:

• $2 for each month with active payouts
• 0.25% + $0.25 for each payout
• Cross-border currency conversion, approximately 0.25% in the EU and up to 1% elsewhere

Withdrawals are normally initiated manually. Ruba may eventually initiate one when a balance has remained unwithdrawn for several months. For negotiated volume terms or a pricing question, contact Ruba. Your signed agreement controls if it differs from this public summary.