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Payment Gateway Comparison - Interactive Tool

The most accurate Payment Gateway Comparison Interactive Tool. Compare Stripe, Lemon Squeezy, and MoR platforms to save on global tax compliance and international fees.

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Payment Gateway Fees Comparison Results

Ultimate 2026 Comparison: MoR vs. Payment Processors

Choosing the right gateway depends on your target market. If 80% of your sales are domestic, Stripe is unbeatable. If you sell globally, a Merchant of Record like Creem, Polar, DodoPayments, Lemon Squeezy or Paddle saves you from registering for VAT in 50+ countries.

Stripe No MoR

Base Fee: 2.9% + $0.30 per transaction

International Fee: +1.5% for non-US transactions

Subscription Fee: +0.7% (Stripe Billing)

Payout Fees: $2 + 0.25% + $0.25 per payout + cross-border fees (0.25% EU, 1% other)

Conversion Fees: Stripe charges 1% for currency conversion

Refund Policy: Fees lost

Dispute Fee: $15 (+$15 if contested & lost)

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA, iDEAL, Bancontact, Klarna, Afterpay

Supported Countries: πŸ‡ΊπŸ‡Έ πŸ‡¬πŸ‡§ πŸ‡ͺπŸ‡Ί πŸ‡¨πŸ‡¦ πŸ‡¦πŸ‡Ί + ~40 more

Affiliate Tracking: Affonso

Features: Industry standard fees, extensive API, multiple payment methods, advanced fraud protection, real-time analytics, developer-friendly

Official Pricing: docs.stripe.com

Stripe (MoR) MoR

Base Fee: 2.9% + $0.30 per transaction

Managed MoR Fee: +3.5% per transaction

International Fee: +1.5% for non-US transactions

Subscription Fee: +0.7% (Stripe Billing)

Total Transaction Fee: ~6.4% + $0.30 (6.4% to 7.9% depending on region)

Payout Fees: $2 + 0.25% + $0.25 per payout + cross-border fees (0.25% EU, 1% other)

Conversion Fees: Stripe charges 1% for currency conversion

Refund Policy: Fees lost

Dispute Fee: $15 (+$15 if contested & lost)

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA, iDEAL, Bancontact, Klarna

Supported Countries: πŸ‡ΊπŸ‡Έ πŸ‡¬πŸ‡§ πŸ‡ͺπŸ‡Ί πŸ‡¨πŸ‡¦ πŸ‡¦πŸ‡Ί + ~40 more

Affiliate Tracking: Affonso

Features: Full MoR (Stripe Managed Payments), automated tax compliance, fraud & dispute management, unified global billing

Official Pricing: stripe.com/managed-payments

Gumroad MoR

Base Fee: 10% + $0.50 (Platform Fee)

Processor Fee: +2.9% + $0.30 (Stripe/PayPal)

International Fee: Included (MoR)

Subscription Fee: Included (No additional fee)

Payout Fees: Free for US, 1% for non-US (Stripe) / $0.50 for US, 3% capped at $30 for non-US (PayPal)

Conversion Fees: Stripe/PayPal conversion fees apply

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay

Supported Countries: 🌍 Global

Affiliate Tracking: Built-in affiliate program with custom tracking and commission management

Features: No monthly fees, social media integration, multiple product types, customer management, mobile app, community features

Refund Policy: Fees lost

Dispute Fee: $15

Official Pricing: gumroad.com/help/fees

Creem MoR

Base Fee: 3.9% + $0.40 per transaction

International Fee: Included (MoR)

Subscription Fee: Included (No additional fee)

Payout Fees: Free for SEPA/EU countries only, $7 or 1% (whichever is higher) for all other countries, 2% for USDC payouts

Conversion Fees: Stripe conversion fees apply for non-USD accounts

Refund Policy: Fees returned

Dispute Fee: $15

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, UPI, SEPA, iDEAL, Bancontact

Affiliate Tracking: Built-in affiliate program with custom tracking and commission management

Features: MoR, modern UX, subscriptions, wallets, strong design, all-inclusive pricing

Official Pricing: creem.io/pricing

DodoPayments MoR

Base Fee: 4% + $0.40 per transaction

International Fee: +1.5% for non-US transactions

Subscription Fee: +0.5% for recurring payments

Payout Fees: $5 for <$1000, free for β‰₯$1000 (US/Non-US), +$25 SWIFT for USD payouts (Non-US), β‚Ή5 for <β‚Ή100k (India)

Conversion Fees: Best exchange rates provided, additional wire charges may apply

Refund Policy: $1 per refund

Dispute Fee: $30 per dispute

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, UPI, SEPA, iDEAL, Bancontact

Affiliate Tracking: Affonso

Features: Creator-focused checkout, digital delivery, global payments, subscriptions, modern UI

Official Pricing: dodopayments.com/pricing

Polar MoR

Base Fee: 4% + $0.40 per transaction

International Fee: +1.5% for non-US transactions

Subscription Fee: +0.5% for recurring payments

Payout Fees: $2 + 0.25% + $0.25 per payout + cross-border fees (0.25% EU, 1% other)

Conversion Fees: Provider conversion fees apply

Refund Policy: Processor fees lost

Dispute Fee: $15

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA, iDEAL

Supported Countries: 🌍 Global (via OpenCollective) or ~46 via Stripe

Affiliate Tracking: Affonso

Features: MoR, developer-focused API, subscriptions, webhooks

Official Pricing: polar.sh/pricing

Lemon Squeezy MoR

Base Fee: 5% + $0.50 per transaction

International Fee: +1.5% for non-US transactions

Subscription Fee: +0.5% for recurring payments

Payout Fees: Free for US, 1% for non-US (Stripe) / $0.50 for US, 3% capped at $30 for non-US (PayPal)

Conversion Fees: Stripe/PayPal conversion fees apply

Refund Policy: Fees lost

Dispute Fee: $15

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA, iDEAL, Bancontact

Supported Countries: 🌍 Global

Affiliate Tracking: Built-in affiliate system with custom tracking links and commission management

Features: MoR (handles global taxes/VAT), subscriptions, license keys, digital delivery, analytics

Official Pricing: lemonsqueezy.com/pricing

Paddle MoR

Base Fee: 5% + $0.50 per transaction

International Fee: Included (MoR)

Subscription Fee: Included (No additional fee)

Payout Fees: Free for most countries, $15 SWIFT fee for certain countries, PayPal/bank charges may apply

Conversion Fees: Third-party conversion fees may apply

Refund Policy: Fees returned

Dispute Fee: $0 (Included)

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA, iDEAL, Bancontact, Klarna

Supported Countries: 🌍 Global

Affiliate Tracking: Affonso

Features: MoR, subscriptions, global taxes, localized checkout, all-inclusive pricing

Official Pricing: paddle.com/pricing

BagelPay MoR

Processing Fee: 5% + $0.50 per transaction

International Fee: Included (+0% MoR)

Subscription Fee: Included (+0% additional fee)

Payout Fees: +0% domestic, +0-1% international

Conversion Fees: Conversion fees may apply for currency conversion

Refund Policy: Fees returned

Dispute Fee: $15

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, UPI, SEPA, iDEAL, Bancontact

Supported Countries: 🌍 Global

Affiliate Tracking: N/A

Features: MoR, UPI support, global payments, modern checkout

Official Pricing: bagelpay.io/pricing

Mollie No MoR

Base Fee: 1.8% + $0.30 (EEA Cards)

International Fee: +1.45% (Non-EEA Cards: 3.25%)

Subscription Fee: Included

Payout Fees: Free to SEPA accounts

Conversion Fees: Standard markup applies

Refund Policy: €0.25 + original fees lost

Dispute Fee: €19 to €35

Payment Methods: Cards, Apple/Google Pay, iDEAL, Bancontact, SEPA, Klarna, PayPal

Supported Countries: πŸ‡ͺπŸ‡Ί EEA, πŸ‡¬πŸ‡§ UK, πŸ‡¨πŸ‡­ CH

Affiliate Tracking: N/A

Features: Optimized for Europe, massive local payment method support, recurring payments

Official Pricing: mollie.com/pricing

Payhip No MoR

Free Plan: 5% + processing fees

Plus ($29/mo): 2% + processing fees

Pro ($99/mo): 0% + processing fees

International Fee: Included (Processor fees apply)

Subscription Fee: Included (No additional fee)

Payout Fees: Free for US, 1% for non-US (Stripe) / $0.50 for US, 3% capped at $30 for non-US (PayPal)

Conversion Fees: Stripe/PayPal conversion fees apply

Refund Policy: Processor fees lost

Dispute Fee: $15

Payment Methods: Credit/Debit Cards, PayPal, Apple Pay, Google Pay, SEPA

Supported Countries: πŸ‡ΊπŸ‡Έ πŸ‡¬πŸ‡§ πŸ‡ͺπŸ‡Ί πŸ‡¨πŸ‡¦ πŸ‡¦πŸ‡Ί + ~40 more

Affiliate Tracking: Built-in affiliate system with tracking and commission management

Features: Storefronts, courses, memberships, VAT handling, marketing tools

Official Pricing: help.payhip.com/billing

Why a Payment Gateway Comparison Interactive Tool is Essential

Payment Gateway Comparison - Interactive Tool 2026 Guide

In 2026, finding the "cheapest" gateway depends on your international sale volume. Stripe is cheapest for domestic sales. However, for international transactions, Stripe's total cost can reach 5.4% + $0.30 once international and conversion fees are added. At this point, MoR platforms like Creem (3.9%) or Lemon Squeezy (5%) become competitively priced while handling all your taxes and compliance.

Key factors in payment gateway fees comparison:

  • Processing Fees: Base percentage + fixed fee per transaction
  • International Fees: Additional charges for cross-border transactions
  • Payout Fees: Costs for transferring money to your bank account
  • Currency Conversion: Exchange rate fees for multi-currency businesses
  • Subscription Fees: Extra charges for recurring payment processing
  • Merchant of Record (MoR): Platforms that handle tax compliance vs. processor-only gateways

Our Payment Gateway Comparison Interactive Tool provides real-time analysis with current exchange rates, enabling you to calculate the exact cost of transaction fees, international surcharges, and Merchant of Record benefits automatically.

Payment Gateway Comparison - Interactive Tool: Key Insights

Choosing the Best Platform: Payment Gateway Comparison Interactive Tool Summary

Based on the analysis from our **Payment Gateway Comparison Interactive Tool**, here are the key insights for picking the perfect provider:

For Low-Volume Businesses & Creators:

  • MoR Platforms: LemonSqueezy, Paddle, or Creem offer all-inclusive pricing with tax handling
  • Best Value: Creem at 3.9% + $0.40 with MoR benefits
  • Digital Products: LemonSqueezy excels with built-in affiliate tracking and digital delivery

For High-Volume Businesses:

  • Lowest Pure Processing Fees: Stripe at 2.9% + $0.30. Best for domestic US-to-US transactions or sellers with internal tax teams.
  • Best for Global SaaS Founders: Lemon Squeezy or Paddle. Even at 5%, they eliminate the $5k-$10k annual cost of global tax filing services like TaxJar or Quaderno.
  • Cheapest MoR for Low Volume: Creem at 3.9% or DodoPayments at 4%. Significant savings over the older 5% incumbents.

Key Factors in Payment Gateway Fees Comparison:

  • Transaction volume and frequency
  • International vs. domestic sales
  • Tax compliance requirements
  • Required features (affiliate tracking, subscriptions, etc.)
  • Payout preferences and currency needs

Use our Payment Gateway Comparison Interactive Tool above to analyze your specific scenario and find the most cost-effective solution for your business needs.

Payment Gateway Comparison Interactive Tool: FAQ

Which payment gateway has the lowest fees in 2026?
Based on our comprehensive payment gateway fees comparison, Stripe offers the lowest base processing fees at 2.9% + $0.30. However, if you need a Merchant of Record, Stripe (MoR) is available at approximately 6.4% + $0.30. Creem provides excellent value at 3.9% + $0.40 with all-inclusive MoR pricing that includes international fees. DodoPayments and Polar charge 4% + $0.40, while LemonSqueezy and Paddle charge 5% + $0.50. Gumroad has a flat 10% + $0.50 fee plus processing costs. The total cost depends on your specific use case, transaction volume, international transactions, and whether you need additional features like tax handling.
Do these platforms charge monthly fees?
No, all four platforms operate on a pay-per-transaction model with no monthly subscription fees. You only pay when you make a sale.
How do international fees work in payment gateway comparison?
International fees are a crucial factor in payment gateway fees comparison. LemonSqueezy, DodoPayments, and Polar add 1.5% for international transactions, while Stripe adds 1.5% for non-US cards plus 1% for currency conversion. MoR platforms like Paddle and Creem include international fees in their base pricing, making comparison tool calculates these fees automatically based on your seller and buyer locations, making it a truly Interactive Payment Gateway Comparison.
Which platform is best for digital products?
LemonSqueezy and Gumroad are specifically designed for digital products and creators, offering features like digital delivery, email marketing, and affiliate programs. Payhip also excels with custom storefronts and SEO optimization.
How do PayPal fees affect the total cost?
When customers pay via PayPal, you may incur additional PayPal fees (typically 2.9% + $0.30 for US transactions). Some platforms pass these fees through to you, while others absorb them. Always check the fine print for PayPal-specific terms.
Can I use multiple payment gateways?
Yes, many businesses use multiple payment gateways to optimize for different customer preferences and reduce dependency on a single provider. However, this requires additional setup and management overhead.
Why did Gumroad change their pricing to 10%?
Gumroad updated their pricing to a flat 10% fee to simplify their pricing structure and make it more transparent. While this is higher than their previous 3.5% + $0.30 model, it eliminates hidden fees and provides a predictable cost structure for creators.
What's the difference between MoR and processor-only payment gateways?
In our payment gateway fees comparison, Merchant of Record (MoR) platforms like Stripe (MoR), LemonSqueezy, Paddle, and Creem handle tax compliance, VAT collection, and legal requirements for you, but typically charge higher fees (4-7%). Processor-only gateways like Stripe offer lower base fees (2.9%) but require you to handle taxes and compliance yourself. MoR platforms are ideal for creators and small businesses, while processors work better for established businesses with tax expertise.
How accurate is this payment gateway fees comparison tool?
Our payment gateway fees comparison tool uses real-time exchange rates and up-to-date fee structures from official platform documentation. We update pricing information regularly and include all major fee components: processing fees, international charges, payout costs, and subscription fees. However, we recommend verifying current rates directly with each platform before making final decisions, as pricing can change.

Additional Payment Gateway Options: Complete Fees Comparison

Complete Payment Gateway Fees Comparison: Additional Platforms

  • Ko‑fi – Free plan: 0% on donations, 5% on shop + processing; Gold ($6/mo): 0% platform fees + processing
  • FastSpring – MoR for software/SaaS (fees vary, e.g., 8.9% or 5.9% + $0.95)
  • Buy Me a Coffee – Tips, memberships, simple shop
  • Patreon – Memberships/subscriptions (platform take ~10%)
  • Sellfy – Fixed monthly plans, no platform fee
  • Podia – Courses, community, memberships; no platform fee on paid plans
  • SendOwl – Digital delivery, subscriptions, Shopify integration
  • Etsy – Marketplace for digital goods (listing + transaction + processing fees)
  • Creative Market – Design asset marketplace (revenue share)
  • Easy Digital Downloads (WordPress) – Self-hosted, processor fees apply
  • WooCommerce + Payments – Self-hosted, processor fees apply

Tip: MoR platforms (Lemon Squeezy, DodoPayments, Paddle, Polar, Creem, FastSpring) handle global taxes for you. Processor gateways (Stripe, PayPal, Square) require you to manage taxes/compliance.

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