Auto-calculated from Revenue / Avg Transaction
Best for India
Dodo Payments is the only MoR with UPI + RuPay support. Save ~$737/year vs Paddle.
Merchant of Record — Global Tax Handled
Annual Cost
$2,967
Effective rate: 4.95%
44.56% of max cost
Merchant of Record — Global Coverage
Annual Cost
$3,704
Effective rate: 6.17%
55.63% of max cost
Merchant of Record — Stripe Acquired
Annual Cost
$3,704
Effective rate: 6.17%
55.63% of max cost
Payment Processor — Tax DIY
Annual Cost
$6,658
Effective rate: 11.10%
100.00% of max cost
The only Merchant of Record built for Indian and global SaaS founders. UPI, RuPay, cards, and 190+ country tax compliance — zero setup cost.
Fees calculated based on publicly available pricing as of April 2026. Tax compliance estimates are based on typical accountant costs for handling VAT/GST in multiple jurisdictions (~$200/month). Actual costs may vary. This tool does not constitute financial advice.
Payment gateway selection is one of the most consequential infrastructure decisions for a SaaS or digital product business. The advertised rate (2.9% + $0.30 for Stripe) rarely reflects the true cost, which includes tax compliance tools, billing platform fees, accounting costs for multi-country tax filing, chargeback/dispute fees, and refund processing costs. Merchant of Record (MoR) platforms like Dodo Payments and Paddle bundle all tax compliance into their fee, which can make their higher headline rate cheaper than Stripe's all-in cost for businesses selling globally.
The calculator models the total cost of each payment processor as: processing fee (percentage of revenue) plus fixed fee per transaction multiplied by transaction count, plus tax compliance costs (zero for MoR platforms, Stripe Tax rate plus estimated accounting cost for Stripe), plus refund processing costs (refund rate multiplied by revenue multiplied by refund fee), plus dispute costs (dispute rate multiplied by transaction count multiplied by dispute fee).
Monthly transaction count is derived from monthly revenue divided by average transaction value. Annual cost is monthly cost multiplied by 12. Net revenue is annual revenue minus annual processing cost, giving the actual amount retained.
MoR platform classification determines tax compliance cost: Dodo Payments, Paddle, and LemonSqueezy include global VAT/GST collection and remittance in their fee. Stripe does not — US-focused businesses pay 0.5% for Stripe Tax; globally-selling businesses additionally need accounting support for each tax jurisdiction, modeled as a configurable monthly cost.
An Indian indie developer compares Dodo Payments against Stripe to discover whether Dodo's MoR model is cheaper given that Stripe India is invite-only and requires separate VAT handling.
A SaaS founder projecting revenue growth models annual gateway costs at $10K, $50K, and $200K MRR to identify at which scale each processor becomes cheapest.
A developer comparing Paddle and LemonSqueezy for a digital product store enters their average order value and expected chargeback rate to see which platform has lower true costs.
A startup CFO builds a three-year cost comparison across processors to include in a board presentation on payment infrastructure strategy.
Enter your monthly revenue and average transaction value
Select your subscription type and primary market
Adjust refund and dispute rates for your industry
Compare annual costs across all payment processors
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