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What HoneyBook actually costs you
Your subscription is only half the bill. The rest is bundled payment processing you can't see — and can't shop. Put in your numbers and see the all-in cost, then what the same year looks like on LumaFlow with your own Stripe account.
Your numbers
Total volume you run through the platform.
Roughly how many invoices/payments you collect.
Your own processor rate
LumaFlow lets you bring your own Stripe account, including a negotiated rate. We pre-fill standard Stripe US card pricing.
Estimated savings with LumaFlow
$920.40/ year
$76.70 per month · 22% lower than HoneyBook Essentials
| Monthly cost | HoneyBookEssentials | LumaFlowBYO processor |
|---|---|---|
| Subscription | $49.00 | $16.00 |
| Card processing | $245.10 | $245.40 |
| Bank / ACH processingStripe ACH is capped at $5 per payment; HoneyBook charges a flat 1.5%. | $54.00 | $10.00 |
| Total per month | $348.10 | $271.40 |
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Where the difference comes from
Bring your own processor
Connect your own Stripe account and pay processing at cost — no platform markup, including any rate you negotiated with Stripe.
ACH that doesn't punish big invoices
Bank payments are capped at $5 per transaction. On a $6,000 wedding balance that's $5 instead of HoneyBook's $90.
One flat price
No tiered gates on automations or seats to unlock the features you already expected.
How we calculate this
Figures are estimates based on published list pricing as of 2026-07, in USD. Your actual costs depend on your plan, volume, and processor agreement. This isn't a quote.
Sources: HoneyBook plans, HoneyBook transaction fees, and Stripe pricing.
HoneyBook
- Starter: $29.00/mo annual · $36.00/mo monthly
- Essentials: $49.00/mo annual · $59.00/mo monthly
- Premium: $109.00/mo annual · $129.00/mo monthly
- Card: 2.9% + $0.25
- Bank / ACH: 1.5%, no cap
- Processing is bundled — no bring-your-own processor.
LumaFlow
- Subscription: $16.00/mo annual · $20.00/mo monthly
- Card: your processor's rate (pre-filled 2.9% + $0.30)
- Bank / ACH: 0.8%, capped at $5.00 per payment (Stripe)
- Processing is at cost — LumaFlow adds no markup.
Bring your clients over in an afternoon
Export your data, then import contacts and projects from CSV. Set up your next Smart File with the existing publishing workflow.
HoneyBook is a trademark of its respective owner. This independent comparison is for informational purposes only and is not affiliated with or endorsed by HoneyBook.