HubSpot Payments charges a transaction fee on top of the underlying card processing rate — and most teams discover this only after they've committed to HubSpot Commerce Hub as their billing engine. The total cost of accepting a card payment through HubSpot is typically 2.9% + $0.30 (US) or 1.9% + £0.20 (UK) for cards, plus 0.5% (capped) for ACH — but those numbers hide a lot of structure.
The headline question searchers ask — does HubSpot support payment links without transaction fees? — has a longer answer than HubSpot's pricing page suggests. There are payment links inside Commerce Hub with HubSpot Payments processing them (the version that charges the transaction fee), and there are payment links inside Commerce Hub processed by a third-party integration (the version that doesn't). Most teams don't know the second option exists.
This guide covers what HubSpot Payments actually charges, what's included in each Commerce Hub tier, the hidden cost structures most teams miss, and the integration patterns that let you keep HubSpot's CRM-attached payment links without paying HubSpot's transaction markup.
Quick Answer
HubSpot Payments transaction fee (cards): 2.9% + $0.30 in the US, 1.9% + £0.20 in the UK, 1.9% + €0.25 in most of the EU. Layered on top of HubSpot's own processor agreement.
HubSpot Payments transaction fee (ACH): 0.5% capped at $5 per transaction (US only).
Commerce Hub tier required: Payment links and HubSpot Payments are available on Commerce Hub Starter and above. Free Commerce tools include limited invoicing but not full payment links.
Currencies supported: USD, GBP, EUR, CAD, AUD as of 2026. Other currencies require a third-party processor integration.
To avoid HubSpot transaction fees: use a third-party payment link provider (like Shuttle, Stripe, GoCardless) wired to HubSpot via API/CRM integration. You keep HubSpot's CRM and commerce workflow; the payment processes outside of HubSpot Payments at your processor's direct rate.
What HubSpot Payments Actually Charges
HubSpot Payments is HubSpot's own merchant-of-record payment processor, launched in 2021 and rolled into Commerce Hub when that product launched in 2024. When you use it, HubSpot underwrites your merchant account, processes the transaction, and deposits funds to your bank — but they add a transaction fee on top of whatever the underlying card networks and processor charge them.
The published rates (as of 2026):
Region | Card transactions | ACH transactions |
|---|---|---|
United States | 2.9% + $0.30 | 0.5%, capped at $5 |
United Kingdom | 1.9% + £0.20 | Not supported |
EU (most countries) | 1.9% + €0.25 | Not supported |
Canada | 2.9% + CAD $0.30 | Not supported |
Australia | 2.9% + AUD $0.30 | Not supported |
International cards (cards issued outside your business region) typically attract an additional 1.5% cross-border fee on top of the published rates. Currency conversion adds another 1-2% if HubSpot is handling FX.
What's not included in those rates:
Refund processing fees — HubSpot refunds the transaction fee on full refunds but not always on partial refunds.
Chargeback fees — typically $15-25 per chargeback, separate from the transaction fee.
Disputed transaction handling — your time, not HubSpot's, but it lives inside the HubSpot UI which adds friction.
Payout fees — HubSpot's standard payouts are free, but expedited payouts (instant or 1-day) carry fees.
The 2.9% headline is what marketing copy compares; the all-in effective rate, including failed transactions, refunds, chargebacks, and FX, typically runs 3.2-3.6% of gross volume for most US merchants.
What's Included in Commerce Hub Tiers
HubSpot Payments is gated to Commerce Hub paid tiers. The transaction fees above apply regardless of which tier you're on — the tiers determine what features you can use around the payments.
Free Commerce Tools (with HubSpot Free CRM):
Invoices (limited templates, no automation)
One-off payment links
Basic payment tracking in the CRM
No subscription billing, no quotes-to-payment workflow
Commerce Hub Starter (~$20/seat/month, billed annually as of 2026):
Full invoicing with templates
Recurring payment links and subscriptions
Quotes with embedded payment links
Basic automation triggers (invoice sent, payment received)
Commerce Hub Professional (~$1,200/month):
Subscription management with proration
Customer portal for self-service
Advanced automation (dunning, retry logic)
Custom payment link branding (subdomain, logo, colours)
Multi-currency on a single contract
Commerce Hub Enterprise (~$3,200/month):
Custom approval workflows
Sandbox environment
Advanced reporting and revenue analytics
Single sign-on, audit logs
Pricing exact figures shift; check HubSpot's pricing page for current numbers. The structural point: transaction fees are flat across tiers — paying for Professional doesn't lower your processing rate. What you're buying with higher tiers is features around the transaction, not better economics on the transaction itself.
The Hidden Cost Structure Most Teams Miss
Three cost dynamics aren't visible from HubSpot's pricing page but show up on the monthly statement.
1. The "blended rate" problem on B2B invoicing. HubSpot Payments is optimised for B2C-style checkout. If your B2B invoices average £5,000 and you take them via HubSpot Payments cards, you're paying ~£100 per invoice in processing fees (~1.9% + £0.20). On 50 invoices a month, that's £5,000 in fees. Open banking (pay-by-bank) on the same volume would cost ~£150-£300 in fees. HubSpot Payments does not currently support open banking in any region.
2. Currency support gates entire markets. If you're billing customers in Brazilian Real, Singapore Dollars, INR, MXN, JPY, or any currency outside HubSpot's supported five, HubSpot Payments simply can't process the transaction. You either force the customer into a supported currency (and they pay FX on their side) or you bypass HubSpot Payments entirely. This is a hard wall, not a fee issue.
**3. PSP optionality is zero.** HubSpot Payments is a single-processor stack. If your business has volume tiers or special pricing with Stripe, Adyen, Worldpay, or another acquirer, you can't route HubSpot transactions through them. Every transaction takes HubSpot's standard rate, regardless of your existing PSP relationships.
For most teams using HubSpot for CRM + lightweight invoicing, the convenience tax of HubSpot Payments is worth it. For teams with high-value B2B invoices, international currencies, or existing PSP economics, it adds up faster than the published rates suggest.
How to Get HubSpot Payment Links Without HubSpot's Transaction Fees
The integration pattern that most teams don't know about: HubSpot Commerce Hub can generate payment links that route to a third-party processor instead of HubSpot Payments. You keep the HubSpot UI, the CRM attachment, the workflow triggers — but the transaction happens at your processor's rate, not HubSpot's marked-up rate.
There are three implementation patterns.
Pattern 1: Native HubSpot + Stripe / GoCardless integration
HubSpot has native integrations with Stripe (and GoCardless in some regions) that let you connect your own processor account to HubSpot Commerce Hub. Payment links generated in HubSpot route to Stripe's checkout instead of HubSpot Payments. You pay Stripe's standard rates (2.9% + $0.30 in the US — same headline rate as HubSpot Payments, but no HubSpot markup) and HubSpot doesn't get a cut of the transaction.
Trade-offs: Limited to Stripe (and GoCardless ACH/SEPA where supported). You lose some HubSpot-specific features like the native customer portal. Currency support is still capped by what Stripe supports natively.
Best for: Teams already on Stripe who want to keep that relationship while using HubSpot CRM.
Pattern 2: Embed a third-party payment link in HubSpot workflows
Instead of using HubSpot's native payment link, generate a payment link from a third-party provider via API and embed the URL in HubSpot's invoice, email, or workflow.
The flow:
HubSpot workflow triggers (deal closed-won, invoice generated, custom trigger)
Workflow calls your payment provider's API to generate a unique link tied to the deal/invoice
Workflow inserts the link into the email or invoice template
Customer clicks, lands on the third-party hosted checkout, pays
Webhook fires back to HubSpot updating the deal/contact with payment status
**Trade-offs:** Requires HubSpot Operations Hub (or Professional+) for custom workflow code or a connector. The customer-facing checkout is on the third-party's domain unless you use white-label payment links.
Best for: Teams with non-standard currency needs, existing PSP relationships, or B2B invoice profiles where 1.9% + fees materially impacts margin.
Pattern 3: Shuttle integration (multi-PSP routing under HubSpot)
For teams that want HubSpot's CRM workflow with maximum payment optionality, the Shuttle integration provides:
Payment links generated from HubSpot triggers — same workflow as native HubSpot Payments
Routed across 40+ underlying processors — your existing Stripe, Adyen, Worldpay, Braintree, GoCardless, or any combination
Multi-currency support beyond HubSpot's five — Shuttle covers 210+ countries via its PSP coverage
White-label checkout on your domain, not HubSpot's or Shuttle's
Open banking / pay-by-bank for high-value B2B invoices, dropping effective rates to 0.5-1% on UK/EU transactions
HubSpot CRM attachment — webhook back to HubSpot with payment status, fee data, processor used, full reconciliation
Trade-offs: Adds a layer to the stack. Not the right answer for teams processing <$10k/month where HubSpot Payments' simplicity is worth the markup.
Best for: Mid-to-high volume B2B merchants on HubSpot Commerce Hub who care about transaction economics, international support, or PSP optionality.
HubSpot Payments vs Third-Party Integration: Side-by-Side
Feature | HubSpot Payments | Stripe/GoCardless via HubSpot | Shuttle via HubSpot |
|---|---|---|---|
US card transaction fee | 2.9% + $0.30 | 2.9% + $0.30 (Stripe direct) | Your PSP rate, no markup |
UK card transaction fee | 1.9% + £0.20 | Varies by PSP | Your PSP rate, no markup |
ACH | 0.5% capped at $5 | 0.8% + $0.05 (Stripe) | Varies, often 0.2-0.5% |
Open banking / pay-by-bank | ❌ Not supported | Limited (GoCardless only) | ✓ 0.2-0.5% on UK/EU |
Currency support | 5 currencies | ~135 (Stripe) | 210+ countries |
PSP optionality | Single (HubSpot) | Single (Stripe or GC) | 40+ PSPs, route per transaction |
White-label checkout | ❌ HubSpot branding | ❌ Stripe branding | ✓ Your domain + branding |
HubSpot CRM attachment | ✓ Native | ✓ Native | ✓ Via webhook |
Setup complexity | None (built-in) | Low (native integration) | Medium (API + workflow setup) |
Best fit | Low volume, US-centric, simple billing | Single-PSP teams already on Stripe | Mid-high volume, multi-currency, B2B, multi-PSP |
Frequently Asked Questions
Does HubSpot charge transaction fees on payment links? Yes. HubSpot Payments (the default processor for HubSpot payment links) charges 2.9% + $0.30 in the US, 1.9% + £0.20 in the UK, and similar rates in supported EU currencies. ACH is 0.5% capped at $5 (US only). The transaction fee is the same regardless of which Commerce Hub tier you're on.
**Can I use HubSpot payment links without HubSpot Payments?** Yes. HubSpot supports native integrations with Stripe and GoCardless that route payment links to your own processor account at their direct rates. For broader PSP optionality (Adyen, Worldpay, multi-PSP routing), you can integrate a third-party payment link provider via HubSpot's API and workflow triggers — see the integration patterns above.
Is HubSpot Commerce Hub required for payment links? You can generate one-off payment links on HubSpot Free Commerce Tools, but recurring payments, subscriptions, branded checkout, and most automation features require Commerce Hub Starter or above.
What currencies does HubSpot Payments support? As of 2026: USD, GBP, EUR (in most countries), CAD, and AUD. Currencies outside these require a third-party integration if you're billing customers in their local currency.
**Are HubSpot Payments fees negotiable at higher volumes?** HubSpot will negotiate Commerce Hub seat pricing at enterprise tier, but the transaction fee structure is not typically negotiated. Volume-based pricing on transaction fees is a key differentiator of direct PSP relationships over embedded payment platforms.
How much does HubSpot Commerce Hub cost? Pricing (as of 2026): Starter ~$20/seat/month, Professional ~$1,200/month, Enterprise ~$3,200/month. Check HubSpot's pricing page for current figures — the structural point is that transaction fees are flat across tiers.
**Does HubSpot Payments support open banking / pay-by-bank?** No. HubSpot Payments processes cards and ACH (US) only. Open banking and pay-by-bank — which materially reduce fees on high-value B2B invoices — require a third-party integration. Open banking payment links typically cost 0.2-0.5% per transaction.