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Stripe vs. PayPal vs. Lemon Squeezy Net Payout & Processing Fee Calculator

Compare exact credit card processing fees, merchant of record splits, and net take-home revenue across Stripe, PayPal, Lemon Squeezy, Paddle, and Polar with 100% local browser execution.

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How to Use the Stripe Fee Calculator

  1. STEP 01
    Enter your monthly sales volume (USD), average order value (AOV), and refund rate in the left input JSON.
  2. STEP 02
    Select whether transactions are primarily US domestic cards, international/cross-border cards, or EU/EEA cards.
  3. STEP 03
    Review the comparative payout matrix to find the lowest-fee gateway or calculate whether a Merchant of Record (Lemon Squeezy / Paddle) saves money on global sales tax compliance.

Frequently Asked Questions (Stripe Fee Calculator)

What is the fee difference between Stripe and Merchant of Record platforms like Lemon Squeezy?

Stripe is a direct payment processor charging 2.9% + $0.30 per domestic US transaction, requiring you to file state and international sales taxes / VAT manually. Lemon Squeezy and Paddle operate as Merchants of Record (MoR) charging ~5.0% + $0.50, but legally assume all global sales tax compliance, calculation, and remittance.

How much do international cross-border transactions add to payment processing fees?

Stripe adds a 1.5% cross-border surcharge for non-domestic cards plus an additional 1% currency conversion fee if payouts are converted, bringing the total fee to ~4.4% to 5.4%. PayPal charges 4.99% + $0.49 for international transactions.