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Payment Gateway Fee Calculator 2025

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Compare LemonSqueezy, Gumroad, Payhip, Paddle, Polar, Creem, Stripe, Shopify Payments, Square, and Ko‑fi fees. Calculate exactly how much fees eat into your earnings.

by @jiteshghanchi

Fee Calculator

Enter your product details to see a detailed comparison of payment gateway fees

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Fee Comparison Results

Platform Information & Features

Stripe No MoR

Base Fee: 2.9% + $0.30 per transaction

International Fee: +1% for non-US transactions

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

Conversion Fees: Stripe conversion fees apply for currency conversion

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

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

Gumroad MoR

Base Fee: 10% + $0.50 per transaction

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

International Fee: No additional fees

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

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

Official Pricing: gumroad.com/help/fees

Creem MoR

Base Fee: 3.9% + $0.40 per transaction

International Fee: Included (MoR)

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

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

Affiliate Tracking: Affonso

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 ≥$1000 (US/Non-US), +$25 SWIFT for USD payouts (Non-US), ₹5 for <₹100k (India)

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

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

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

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

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

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)

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

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

Affiliate Tracking: Via Tolt

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 cards (Non-US): +0%

Subscription Payments: +0%

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

Conversion Fees: Conversion fees may apply for currency conversion

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

Affiliate Tracking: N/A

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

Official Pricing: bagelpay.io/pricing

Payhip No MoR

Free Plan: 5% + processing fees

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

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

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, SEPA

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

Frequently Asked Questions

Which payment gateway has the lowest fees?
Stripe has the lowest base fees at 2.9% + $0.30. Creem offers 3.9% + $0.40 with all-inclusive MoR pricing. 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, volume, international transactions, and whether you need additional features.
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?
International fees vary by platform. LemonSqueezy, DodoPayments, and Polar add 1.5% for international transactions. MoR platforms like Paddle and Creem include international fees in their base pricing. Always check the specific platform's international fee structure before making a decision.
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.

More Alternatives Used by Creators

Also consider

  • 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.