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Your Results
Paddle vs Stripe — Same Transaction
Monthly Volume Impact
| Transactions | Gross Revenue | Total Fees | Net Revenue | Eff. Rate |
|---|
Effective Rate by Price Point
| Price Point | Paddle Fee | You Keep | Effective Rate |
|---|---|---|---|
| $5 | $0.75 | $4.25 | 15.00% |
| $10 | $1.00 | $9.00 | 10.00% |
| $20 | $1.50 | $18.50 | 7.50% |
| $49 | $2.95 | $46.05 | 6.02% |
| $99 | $5.45 | $93.55 | 5.51% |
| $199 | $10.45 | $188.55 | 5.25% |
| $499 | $25.45 | $473.55 | 5.10% |
FAQ
What is Paddle's fee structure in 2026?
Paddle charges 5% + $0.50 per transaction across all payment methods — credit cards, PayPal, Apple Pay, and Google Pay. As Merchant of Record, Paddle absorbs method-specific costs and handles global tax compliance on your behalf.
How do Paddle fees compare with Stripe fees?
Stripe charges 2.9% + $0.30 for standard card payments. Paddle is more expensive per transaction, but includes global tax handling (VAT, GST) which can save significant compliance costs — especially for SaaS selling internationally.
What is a Merchant of Record (MoR)?
A Merchant of Record is the legal entity responsible for the sale. Paddle acts as the MoR — they handle payment processing, tax collection, tax remittance, and compliance across 200+ countries. You never touch the money directly.
Is paddle-fee-calculator suitable for subscription pricing?
This calculator covers per-transaction fees for one-time and recurring charges at the same rate. Paddle Scale pricing with custom rates is not included as it's not publicly disclosed.
Does Paddle charge different fees for different currencies?
Paddle applies the same percentage rate (5% + $0.50 equivalent) regardless of currency. This calculator shows EUR and GBP amounts with the same formula for illustrative purposes — no live FX conversion is applied.