Payment Gateway Fees Comparison Calculator
Compare costs across 11+ payment gateways to optimize your business
What is Payment Gateway Fees Comparison Calculator? Complete Overview
The Payment Gateway Fees Comparison Calculator is an essential tool for online businesses, creators, and entrepreneurs who want to understand the true costs of different payment processing solutions. This comprehensive calculator helps you analyze fees across major platforms including Stripe, LemonSqueezy, Gumroad, Paddle, and more. It calculates exact costs including processing fees, international charges, and payout expenses based on your specific business parameters. Whether you're selling digital products, subscriptions, or physical goods, this tool provides transparent fee comparisons to help you make informed financial decisions and maximize your revenue.
Payment Gateway Fees Comparison Calculator Interface & Screenshots
Payment Gateway Fees Comparison Calculator Official screenshot of the tool interface
What Can Payment Gateway Fees Comparison Calculator Do? Key Features
Comprehensive Fee Calculation
The tool calculates all potential fees including base processing fees, international transaction fees, payout fees, and currency conversion costs. It accounts for different business models (one-time vs subscription) and geographic considerations (selling from/to different countries).
Real-time Exchange Rates
Automatically fetches current exchange rates to provide accurate cost comparisons when dealing with multiple currencies. This ensures your calculations reflect the most up-to-date financial conditions.
Merchant of Record Analysis
Clearly identifies which platforms operate as Merchants of Record (handling tax compliance for you) versus processor-only gateways. This helps you understand the full value proposition beyond just the percentage fees.
Side-by-Side Platform Comparison
Presents results in an easy-to-understand comparison format, highlighting key differences between platforms like Stripe, LemonSqueezy, Gumroad, Paddle, Creem, and others.
Business Scenario Modeling
Allows you to model different business scenarios by adjusting product price, sales volume, subscription status, and geographic parameters to see how fees would change.
Best Payment Gateway Fees Comparison Calculator Use Cases & Applications
Digital Product Creator
A solo entrepreneur selling digital downloads can use the calculator to determine whether platforms like Gumroad, LemonSqueezy, or Payhip offer better value based on their average product price and sales volume, especially when considering international customers.
SaaS Startup
A subscription-based software company can compare recurring payment processing costs across platforms to decide between Stripe's lower base fees versus MoR platforms that handle tax compliance but charge slightly higher rates.
E-commerce Store Owner
An online retailer can model different transaction volumes and geographic distributions to optimize their payment processing setup, potentially using multiple gateways for different customer segments.
How to Use Payment Gateway Fees Comparison Calculator: Step-by-Step Guide
Enter your product details including price point and estimated monthly sales volume. Specify whether it's a one-time purchase or subscription product.
Select your business location (where you're selling from) and your target market locations (where you're selling to). This affects international fee calculations.
Choose preferred payment methods (credit cards, PayPal, etc.) and payout methods (bank transfer, PayPal) along with your desired payout currency.
Click 'Calculate Fees' to process the information. The tool will fetch current exchange rates and perform all necessary calculations.
Review the comprehensive comparison results showing fee structures across all major payment platforms, with clear highlighting of the most cost-effective options for your specific scenario.
Payment Gateway Fees Comparison Calculator Pros and Cons: Honest Review
Pros
Considerations
Is Payment Gateway Fees Comparison Calculator Worth It? FAQ & Reviews
Stripe offers the lowest base processing fees at 2.9% + $0.30, but Creem provides excellent value at 3.9% + $0.40 with all-inclusive MoR pricing. The best option depends on your specific business needs and transaction volume.
Most platforms operate on a pay-per-transaction model with no monthly fees, though some like Payhip offer tiered monthly plans that reduce transaction percentages.
The tool uses real-time exchange rates and up-to-date fee structures from official platform documentation. However, we recommend verifying rates directly with each platform as pricing can change.
Merchant of Record (MoR) platforms handle tax compliance for you but charge higher fees (4-5%). Processor-only gateways offer lower fees (2.9%) but require you to handle taxes yourself.
Yes, many businesses use multiple gateways to optimize for different customer preferences, though this requires additional setup and management.