# Payment Fee Comparison Calculator

> Compare processing fees across Stripe, PayPal, Paddle, Gumroad, and Dodo Payments side-by-side to find the most cost-effective payment solution.

- **URL**: https://dodopayments.com/tools/payment-fee-comparison

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## What is the Payment Fee Comparison Calculator?

The **Payment Fee Comparison Calculator** lets you model your actual transaction data against five major payment platforms simultaneously. Instead of reading pricing pages and doing mental math, input your real numbers and see exactly how much each provider would cost you per month, per year, and per transaction.

This tool accounts for the fees that pricing pages bury in footnotes: international surcharges, currency conversion spreads, dispute fees, and platform-specific charges.

## Why Compare Payment Fees?

Choosing a payment provider is one of the highest-leverage decisions for a digital product or SaaS business. The difference between providers can be 2%-5% of revenue -- on $100,000/month in sales, that's $2,000-$5,000 in pure savings by picking the right provider.

But comparing is hard because:

- **Fee structures differ fundamentally**: Some charge flat rates, others have tiered pricing with volume discounts, and Merchant of Record providers bundle tax compliance into their fee.
- **Hidden costs vary widely**: International fees, currency conversion, dispute charges, and withdrawal fees create the real cost difference.
- **Feature bundles matter**: A higher fee rate that includes tax compliance, fraud prevention, and customer support may be cheaper than a low rate where you pay separately for each.

## Providers Compared

### Stripe

- Base: 2.9% + 30c (domestic), +1.5% international, +1% currency conversion
- No MoR, no tax handling -- you manage compliance separately

### PayPal

- Base: 3.49% + 49c, +1.5% cross-border, 3-4% currency conversion spread
- No MoR -- significant hidden costs for international sellers

### Paddle

- Base: 5% + 50c per transaction
- Full MoR with tax compliance included
- Limited payment method support in some regions

### Gumroad

- Base: 10% flat fee per transaction
- Simple but expensive at scale, limited billing features
- Basic MoR features

### Dodo Payments

- Base: 4% + 40c per transaction
- Full MoR with global tax compliance, 220+ countries, local payment methods
- No hidden international fees, no currency conversion charges

## Input Metrics

- **Monthly Revenue**: Total payment volume processed per month.
- **Number of Transactions**: Total transactions per month (to calculate per-transaction fixed fees).
- **Average Transaction Size**: Typical payment amount.
- **International Customer Percentage**: Share of customers outside your home country.
- **Multi-Currency**: Whether you sell in multiple currencies.
- **Monthly Disputes**: Average chargebacks per month.
- **Needs Tax Compliance**: Whether you need automated sales tax / VAT handling.

## Output Metrics

- **Monthly Cost Per Provider**: Total fees for each of the five providers based on your data.
- **Annual Cost Per Provider**: Projected yearly fees.
- **Effective Rate Per Provider**: True all-in percentage cost including all hidden fees.
- **Feature Comparison Matrix**: Which providers include MoR, tax compliance, and fraud prevention in their base rate vs. charging extra.
- **Recommended Provider**: Based on your specific transaction profile, which provider offers the best value.
- **Savings vs. Current Provider**: If you select your current provider, how much you'd save by switching.