Free payment tool

Paddle fee calculator.

Paddle charges a flat 5% + 50¢ and handles sales tax for you. See what that leaves you on any price, and what the same sale would leave on Stripe, Polar, Lemon Squeezy or Creem.

Free · Runs in your browser · Rates checked September 2026

Your sale

Merchant of record fees are published in US dollars.

Calculate

Price

The price before any sales tax or VAT.

Your customers

Customers paying with a non-US card

Paddle doesn't charge extra. Polar and Lemon Squeezy add 1.5%.

Billing

Lemon Squeezy and Dodo Payments add 0.5% on subscriptions. Stripe adds Billing's 0.7%.

Volume and tax

Sales per month

For monthly totals and plan fees.

Sales tax or VAT

Fees apply to the total including tax.

Building a SaaS?

Creem would leave you $120.00 more a month than Paddle on these numbers. SyntaxKit runs on Stripe, Polar or Creem, and switching between them is one setting.

You keep

$94.50

Paddle takes $5.50 (5.5% of the price).

Price: $100.00
Transaction fee5% + 50¢: −$5.50
You keep per sale: $94.50
Per monthfees / you keep: $550.00 / $9,450.00

Building a SaaS?

Creem would leave you $120.00 more a month than Paddle on these numbers. SyntaxKit runs on Stripe, Polar or Creem, and switching between them is one setting.

The same sale on every provider.

Lowest total fees first, counting monthly plan fees. A merchant of record collects and pays sales tax and VAT for you.

Provider	Sales tax	Fees per sale	You keep	You keep per month from 100 sales
WhopLowest feesYou handle sales tax and VAT yourself.	You file	$3.003%	$97.00	$9,700.00
StripeYou register, collect and file sales tax and VAT yourself.	You file	$3.203.2%	$96.80	$9,680.00
Stripe + Stripe TaxStripe calculates tax. You still register and file.	You file	$3.703.7%	$96.30	$9,630.00
PayPalPayPal checkout rate. You handle sales tax and VAT yourself.	You file	$3.984%	$96.02	$9,602.00
Creem	Handled	$4.304.3%	$95.70	$9,570.00
Polar Pro	Handled	$4.204.2%	$95.80	$9,560.00
Dodo Payments	Handled	$4.404.4%	$95.60	$9,560.00
Paddle	Handled	$5.505.5%	$94.50	$9,450.00

Polar is shown on the plan that leaves you the most at your monthly volume. Unless you pick otherwise above, Gumroad is shown on direct sales and PayPal on its checkout rate. Payout, dispute and refund costs are covered further down.

Rates

Paddle fees in 2026.

One rate for every sale, with tax, fraud handling and payment methods included. The trade-off is a higher fee than a processor.

Paddle fees on common prices
Price	Fee	You keep	Effective rate	Charge to keep this
$10.00	$1.00	$9.00	10%	$11.05
$29.00	$1.95	$27.05	6.72%	$31.05
$50.00	$3.00	$47.00	6%	$53.16
$100.00	$5.50	$94.50	5.5%	$105.79
$1,000.00	$50.50	$949.50	5.05%	$1,053.16

Rates checked against each provider's own pricing page on September 26, 2026. Providers change pricing; confirm on their site before you commit.

Paddle pricing

Paddle or another provider

How Paddle compares.

Paddle is simplest to reason about: no surcharges. Creem and Polar's paid plans charge less per sale; Stripe charges least but leaves tax to you.

Payment provider fees compared
Provider	Base fee	Non-US card	Subscriptions	Handles sales tax
Stripe (US)	2.9% + 30¢	+1.5%	+0.7% (Billing)	No, or +3.5%
Polar	3.4–5% + 30–50¢	+1.5%	None	Yes
PayPal (US)	2.99–3.49% + 49¢	+1.5%	None	No
Paddle	5% + 50¢	None	None	Yes
Lemon Squeezy	5% + 50¢	+1.5%	+0.5%	Yes
Creem	3.9% + 40¢	None	None	Yes
Dodo Payments	4% + 40¢	+1.5%	+0.5%	Yes
Gumroad	10% + 50¢ + 2.9% + 30¢	None	None	Yes
Whop	2.7% + 30¢	+1.5%	None	+2% add-on

Run your own numbers in the payment fee comparison, or see the Lemon Squeezy fee calculator for the other 5% + 50¢ merchant of record.

FAQ

Paddle fee questions.

How much does Paddle charge per transaction?

5% + 50¢ per checkout transaction. On a $100 sale that is $5.50, leaving you $94.50. The fee includes sales tax and VAT handling, fraud protection and payment methods like PayPal.

Does Paddle have a monthly fee?

No. Paddle has no monthly, setup or migration fees on its standard pricing. Large businesses can ask for custom pricing.

Does Paddle charge extra for international cards or PayPal?

Paddle's published pricing is all-in, with no separate surcharge for international cards or PayPal. Its payout and currency conversion costs aren't published on the pricing page.

Does Paddle work for products under $10?

Paddle asks you to contact sales for products under $10, where it uses separate small-transaction pricing. The 50¢ fixed fee alone would be 10% of a $5 sale.

What does a chargeback cost on Paddle?

20 USD, GBP or EUR (40 CAD or AUD) per chargeback, and Paddle doesn't return it if the dispute is won.

Is Paddle more expensive than Stripe?

Per sale, yes: 5% + 50¢ against Stripe's 2.9% + 30¢ in the US. Paddle is a merchant of record, though, so it registers for and remits sales tax and VAT for you. Stripe's own merchant of record option adds 3.5% to its card fee.

Why is there a Paddle.com charge on my card?

Paddle resells software for thousands of companies, so their customers see Paddle on their card statement instead of the company's name. Paddle's own lookup page identifies the purchase.

Billing in SyntaxKit

Pick a payment provider. Keep your code.

SyntaxKit is a Next.js SaaS starter kit with billing already built. Start on Stripe, Polar or Creem and switch later with one setting: your plans, checkout and access rules stay exactly the same.

Hosted checkout and customer portal
Plans, prices and feature limits in one file
Webhooks that stay correct when retried
Per-seat plans, and usage billing on Stripe
Refunds and disputes end access automatically
Invoices and AI usage on the billing page

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