> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getruba.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Calculate Ruba Fees
> Calculate transaction adjustments, disputes, and payout costs
export const RubaSocials = () => {
if (typeof document === "undefined") {
return null;
}
const inject = () => {
const footer = document.getElementById("footer");
if (!footer || document.getElementById("ruba-socials")) {
return false;
}
const isDark = document.querySelector("html.dark") || document.querySelector('html[class*="dark"]');
const lineColor = isDark ? "#383838" : "#e8e8ed";
const iconColor = isDark ? "#8e8e93" : "#86868b";
const markColor = isDark ? "#ffffff" : "#08080c";
const hoverColor = "#0071e3";
const div = document.createElement("div");
div.id = "ruba-socials";
div.style.cssText = `display:flex;align-items:center;gap:20px;padding-top:20px;margin-top:20px;border-top:1px solid ${lineColor};width:100%`;
const logo = `Ruba`;
const spacer = ``;
const ig = ``;
const li = ``;
const x = ``;
const github = ``;
div.innerHTML = logo + spacer + ig + li + x + github;
footer.appendChild(div);
return true;
};
if (!document.documentElement.dataset.rubaSocialsObserver) {
document.documentElement.dataset.rubaSocialsObserver = "true";
const observer = new MutationObserver(() => {
if (!document.getElementById("ruba-socials")) {
inject();
}
});
observer.observe(document.body, {
childList: true,
subtree: true
});
}
setTimeout(() => {
if (!inject()) {
const interval = setInterval(() => {
if (inject()) {
clearInterval(interval);
}
}, 500);
setTimeout(() => clearInterval(interval), 10000);
}
}, 300);
return null;
};
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.
## 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.
## Check the amount with a worked example
A $30 product sold to a Swedish consumer with 25% VAT produces a $37.50 customer total. The fee layers are:
| Layer | Calculation | Amount |
| --------------------------------------- | -------------------: | -----: |
| Base Ruba fee | 6% of $37.50 + $0.50 | \$2.75 |
| International-card adjustment | 1.5% of \$37.50 | \$0.56 |
| Subscription adjustment, when recurring | 0.5% of \$37.50 | \$0.19 |
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.
## 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 →](/features/refunds)
## 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](/support). Your signed agreement controls if it differs from this public summary.