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 card rate through HubSpot Payments is 2.9% in the US and 1.7% for UK cards in the UK, with ACH at 0.8% (capped) and a 0.5% platform fee after the first year. 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% in the US and Canada, 1.7% for UK cards in the UK, plus a 0.5% platform fee after the first year. Layered on top of HubSpot's own processor agreement.
HubSpot Payments transaction fee (ACH): 0.8% capped at $10 per transaction, plus a 0.5% platform fee capped at $10 (US).
Commerce Hub tier required: Payment links and HubSpot Payments are available on paid Commerce Hub tiers. Free Commerce tools include limited invoicing but not full payment links.
Currencies supported: HubSpot doesn't publish a list. HubSpot Payments is available to businesses in the US, UK and Canada. 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, rolled into Commerce Hub. 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% | 0.8%, capped at $10 |
United Kingdom | 1.7% (UK cards) | Not supported |
Canada | 2.9% | 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, is higher.
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 Professional:
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:
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 about £85 per invoice in processing fees at 1.7%, or about £110 once the 0.5% platform fee applies after the first year. On 50 invoices a month, that's £4,250 to £5,500 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 other currency HubSpot Payments doesn't support, 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.
There are three implementation patterns.
Pattern 1: Native HubSpot + Stripe integration
HubSpot has a native integration with Stripe that lets 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).
Trade-offs: Limited to Stripe. 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 payment links on a custom domain.
Best for: Teams with non-standard currency needs, existing PSP relationships, or B2B invoice profiles where card fees materially impact margin.
Pattern 3: Shuttle integration (multi-PSP coverage under HubSpot)
For teams that want HubSpot's CRM workflow with maximum payment optionality, the Shuttle integration provides:
Payment links generated from HubSpot triggers
Connects to 40+ processors, with each payment method on its own gateway
Multi-currency support: Shuttle covers the currencies your connected PSPs support
Branded checkout with your logo, message and custom domain
Open banking / pay-by-bank for high-value B2B invoices, through PSPs that support it
HubSpot CRM attachment: webhook back to HubSpot with payment status and the processor used
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 via HubSpot | Shuttle via HubSpot |
|---|---|---|---|
US card transaction fee | 2.9% | 2.9% + $0.30 (Stripe's rate) | Your PSP rate, plus Shuttle's fees |
UK card transaction fee | 1.7% | Varies by PSP | Your PSP rate, plus Shuttle's fees |
ACH | 0.8% capped at $10 | 0.8%, capped at $5 (Stripe) | Your PSP rate, plus Shuttle's fees |
Open banking / pay-by-bank | ❌ Not supported | Depends on Stripe | ✓ Via PSPs that support it |
Currency support | Not published | ~135 (Stripe) | Depends on your PSPs |
PSP optionality | Single (HubSpot) | Single (Stripe) | 40+ PSPs, set per payment method |
Branded checkout | ❌ HubSpot branding | ❌ Stripe branding | ✓ Your logo, message and custom domain |
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% in the US and Canada and 1.7% for UK cards in the UK, plus a 0.5% platform fee after the first year. ACH is 0.8% capped at $10 (US). 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 a native integration with Stripe that routes payment links to your own Stripe account. 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 a paid Commerce Hub tier.
What currencies does HubSpot Payments support? HubSpot doesn't publish a list. It is available to businesses in the US, UK and Canada and pays out to a bank account in one of those countries, and it takes euro payments from buyers by SEPA Direct Debit. Other currencies 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? 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 bank debits (ACH in the US, BACS in the UK, PAD in Canada and SEPA for euro payments). Open banking and pay-by-bank, which materially reduce fees on high-value B2B invoices, require a third-party integration.