Instant payout cost calculator for field service
Drop in your payout amount and overdraft rate to calculate whether Stripe's instant payout fee is worth the cost for your business.
Not financial advice
Pricing guidance here is educational. Model rate changes against your own books, suppliers, and market before implementing them.
Instant payout cost calculator for field service
Stripe charges 0.5% (min £0.50) for instant payouts. Use this quick calculator to see if the fee beats your financing cost.
Instant payout fee = Amount × 0.5%
Daily cost of cash = Overdraft APR ÷ 365 × Amount
Break-even days = Fee ÷ Daily cost
Example: £8,000 payout, 0.5% fee = £40. Overdraft APR 12% ⇒ daily cost £2.63. Break-even ~15 days. If getting cash early avoids >15 days of interest, pay the fee.
Use cases
- Cover payroll/weekend supplier bills
- Avoid maxing credit cards
- Fund emergency callouts when the bank is slow
Toolfy workflow
- Check live balance: Settings → Payments
- Trigger instant payout via Stripe Express
- Log the reason in Slack #finance for audit
Need a Google Sheet version? Email support@toolfy.io and we’ll share it.
⚠️ Important Disclaimer
This guide is for general informational and educational purposes only. It does not constitute professional advice of any kind (legal, financial, tax, insurance, or otherwise).
Before making business decisions: Consult with qualified professionals (solicitors, accountants, insurance brokers, etc.) who can assess your specific circumstances. Laws, regulations, and industry standards change frequently and vary by location and situation.
Toolfy and the article authors accept no liability for decisions made or actions taken based on information provided in this guide. You are solely responsible for ensuring compliance with all applicable laws and regulations.
Frequently Asked Questions
How often can I trigger Stripe instant payouts?
Does Toolfy add a fee on top of Stripe's 0.5% charge?
Need this workflow in Toolfy?
Spin up the exact checklist, scripts, and automations from this article inside your workspace.
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