Payment Processing Fee Comparison
Enter order value, orders per month, international and FX share. The table ranks Stripe, PayPal Checkout, Paddle and Lemon Squeezy (and optionally Stripe + Tax + Billing) by fee per order, monthly fees, effective rate and the price to charge for a target net. Paddle and Lemon Squeezy are Merchants of Record that include sales tax and chargebacks. Estimates only; provider pages prevail.
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| Provider | Fee / order | Monthly | Effective | Charge for net | Math |
|---|
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Stripe cards 2.9% + $0.30 (+1.5% intl, +1% FX); PayPal Checkout 3.49% + $0.49 (+1.5% intl); Paddle 5% + $0.50; Lemon Squeezy 5% + $0.50 (+1.5% international, +1.5% PayPal, +0.5% subscriptions — per official docs). Paddle and Lemon Squeezy are Merchant of Record: sales tax/VAT calculation and remittance, fraud and chargebacks are included. With Stripe or PayPal you are the merchant — Stripe Tax (0.5%) calculates tax but you still register and file, and Billing adds 0.7% for subscriptions. Example at $49 domestic: Stripe $1.72, PayPal $2.20, Paddle $2.95, Lemon Squeezy $2.95.
Reverse formula: charge = (desired net + fixed fee) ÷ (1 − effective % rate). Example: to net $49 on Stripe cards, charge (49 + 0.30) ÷ (1 − 0.029) = $50.77.
Estimates only. Official US list prices as of 2026-11-02 (Asia/Shanghai); the provider's pricing page prevails. Sources: Stripe pricing · PayPal fees · Paddle pricing · Lemon Squeezy fees
Stripe Fee Calculator · PayPal Fee Calculator · Calculadora de taxas Etsy · Auth Provider Cost Comparison
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Como funciona
- Algum dado foi carregado?
- Não. Estas calculadoras e códigos QR são executados no seu navegador.
- Esses preços de IA podem mudar?
- Sim. Edite $/1M ou o plano e confirme na página oficial.
- Os dados são enviados?
- Não. O cálculo roda no seu navegador.