Payment guide · Last updated August 30, 2026

Bakesy payment processing: what the 3.9% fee means

“No commission” does not mean “no payment fee.” Bakesy lists Secure Payments at 3.9% + US$0.30 per transaction, while external methods are manually marked paid. Here is the practical difference. If the fee has you thinking about leaving, see our Bakesy alternative.

Compare Bakesy and Confita

Key takeaways

Bakesy Secure Payments is optional and available to US sellers.
Bakesy lists 3.9% + US$0.30 per transaction via Bakesy Secure Payments (powered by Stripe).
Out-of-app payment methods use the provider you list and may need to be marked paid manually.
Confita connects an existing Square seller account or eligible Stripe account. Confita adds no fee: card payments run through your own connected Stripe or Square account, so you settle directly with your customer.

The phrase that causes confusion

Bakesy says it will never take a commission from your orders. That is true about a separate Bakesy platform commission. It does not mean every card-payment path is free.

Bakesy documents two different workflows. You can list outside payment methods such as Venmo, PayPal, Cash App, Zelle, or cash. You can also use Bakesy Secure Payments, an optional card workflow that runs through Bakesy and pays out to your linked account.

Two ways Bakesy handles payments

The important question is not whether Bakesy uses the word commission. It is where the payment happens and which fee applies.

	Payment path	What Bakesy lists	What it means
Bakesy Secure Payments	3.9% + US$0.30 per card transaction; optional; US only	Payment runs through Bakesy’s integrated flow, with automatic payouts.
Out-of-app methods	Venmo, PayPal, Cash App, Zelle, cash, and other methods	The provider handles the payment. You may need to mark the order paid in Bakesy.
Confita with Stripe or Square	0%: payments go through your own Stripe or Square account	Connect an existing Square seller account or eligible Stripe account. The payment is recorded in that provider account; the provider handles payouts under your settings and charges its applicable fees.

The $100 example

On a US$100 domestic card payment, Bakesy Secure Payments’ published rate works out to US$4.20: 3.9% is US$3.90, plus US$0.30. Stripe’s standard US domestic online-card rate and Square’s published US Online API rate are each 2.9% + US$0.30 at the time of this review, or US$3.20 on US$100. That is a US$1 difference under those published rates.

This does not make Bakesy’s integrated option wrong. It makes the tradeoff visible. Rates vary by country, card origin, currency conversion, Square plan, and custom pricing. Check your provider dashboard before comparing your actual cost.

Example on US$100	Published rate	Fee
Bakesy Secure Payments	3.9% + US$0.30	US$4.20
Stripe domestic cards	2.9% + US$0.30	US$3.20
Square Online API	2.9% + US$0.30	US$3.20
Difference from Bakesy example	1 percentage point	US$1.00

When Bakesy Secure Payments can still be worth it

The extra fee may be worth paying if you want card checkout, automatic order updates, payout tracking, and fewer steps inside one seller app. A baker who values that convenience may reasonably choose it.

If you already use a payment link, bank transfer, cash, or another provider, Bakesy’s out-of-app path may fit better. The payment is outside Bakesy, but you may have one extra step to mark it paid.

Where Confita fits

Confita keeps the payment in your own account. Connect the Square account you already use at the farmers’ market or an eligible Stripe account you already use online. The customer checks out on a provider-hosted page, the payment is recorded in that account, and the provider handles payouts under your settings. Confita adds no fee on either path; provider fees still apply. The honest math on a US$100 Stripe payment is US$3.20 to Stripe and US$0 to Confita, below Bakesy Secure Payments’ published US$4.20, and the Square path works the same way.

The bigger difference is workflow. Confita gives you a browser-based storefront, product questions, reference-photo uploads, private quote links, deposit instructions, receipt uploads, and a shop editor that works from any device.

Manual methods keep the business details and customer instructions in one configured place.

Marigold Oven payment settings showing cash and ACH bank transfer instructions with real business details

Choose the payment path that matches your week

Choose Bakesy Secure Payments if integrated card checkout and automatic updates are worth the higher published fee for your business.

Choose an outside payment method if you already have a provider you trust and do not need automatic status inside Bakesy.

Choose Confita if you want integrated checkout through your existing Square seller account or eligible Stripe account: Confita adds no fee, and the payment goes straight to you.

Bakesy Secure Payments: convenience inside the Bakesy app.
Out-of-app Bakesy payments: your existing provider, plus manual status work.
Confita: your connected Stripe or Square account, hosted checkout, and status updates. No Confita fee when payments go through that account.

Questions, answered

Frequently asked questions

Sources

Details were checked against public sources on August 30, 2026. Confirm current prices, policies, or provider instructions before relying on them.

Does Bakesy charge a commission on every order?

Bakesy says it does not take a commission from orders. However, its optional Bakesy Secure Payments workflow lists a separate 3.9% + US$0.30 fee per US card transaction. Outside payment methods are handled outside Bakesy.

Is Bakesy Secure Payments required?

No. Bakesy describes Secure Payments as optional. You can list outside payment methods such as Venmo, PayPal, Cash App, Zelle, bank transfer, or cash, then manage the payment status in Bakesy.

How much is the Bakesy fee on a $100 card payment?

At Bakesy’s published 3.9% + US$0.30 rate, the fee on a US$100 card payment is US$4.20. The rate and availability can change, so confirm the current terms before relying on the calculation.

Does Confita charge payment commission?

No. You connect your own Stripe or Square account and the money goes straight to you; Confita charges only the subscription. The provider’s normal processing fees still apply. Confita is US$49/year or US$9.99/month after a 7-day free trial.

Pairs well with

ComparisonBakesy vs ConfitaCompare Bakesy and Confita for Direct orders, Custom requests, deposits, Sales analytics, inventory, seller access, storefront design, pricing, and payment fees.ComparisonBakesy alternativeA lower-priced Bakesy alternative with Direct orders, Custom requests, deposits, Sales analytics, any-device access, drops, and storefront design.ComparisonCompare bakery toolsBakery management and ordering software compared side by side: Confita, Bakesy, BakeBug, Hotplate, Loafaly and more. Prices, fees, quotes, deposits and drops.GuideHome bakery payment processingWhich payment methods a home bakery should accept, and how to take cards through your own Stripe or Square account next to cash and transfer. No Confita fee.GuideSquare for home bakeriesWhen online payments go through your own Square account, Confita adds no fee. Square processing fees still apply.GuideStripe for home bakeriesWhen bakery payments go through your own Stripe account, Confita adds no application fee. Stripe processing fees still apply.GuideStripe vs SquareCompare Stripe and Square for home bakery payments: existing accounts, farmers’ market sales, hosted checkout, provider rates, and Confita’s fees.FeatureDirect ordersSell fixed-price bakery products directly. Customers choose fulfilment and payment, then place the order without waiting for a quote or installing an app.FeatureCustom order quotesCollect custom cake details and reference images, then send a private quote with price, deposit, balance, and payment options.

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