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All Tools›Developer›Payment Gateway Fee Calculator

Payment Gateway Fee Calculator

Compare real costs of Stripe, Dodo, Paddle & LemonSqueezy

DeveloperFREEYour data never leaves your browser

Payment Gateway Fee Calculator is a free, browser-based tool that lets you compare real costs of stripe, dodo, paddle & lemonsqueezy — with zero signup, zero installation. Your data never leaves your browser. Part of 80+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

Your Business Parameters

$5,000
$100$100,000
$49
$5$2,000
102

Auto-calculated from Revenue / Avg Transaction

2%
0%20%
0.5%
0%5%

Business Type & Market

Your Scenario

Annual Revenue
$60,000
Annual Transactions
1,224
Expected Refunds/yr
24
Expected Disputes/yr
6

Best for India

Dodo Payments is the only MoR with UPI + RuPay support. Save ~$737/year vs Paddle.

Annual Cost Comparison — sorted cheapest first

Dodo Payments

MoR

Merchant of Record — Global Tax Handled

Cheapest

Annual Cost

$2,967

Effective rate: 4.95%

44.56% of max cost

Processing fees$2,700
Per-transaction fees$59
Refund costs$24
Dispute / chargeback fees$184
Tax compliance (DIY est.)$0
  • ✓Tax collection in 190+ countries handled automatically
  • ✓UPI and RuPay supported natively for India
  • ⚠$30 per chargeback (non-refundable)
  • ⚠+0.5% subscription surcharge
Sponsored
Start with Dodo Payments — Free Setup →

Paddle

MoR

Merchant of Record — Global Coverage

#2

Annual Cost

$3,704

Effective rate: 6.17%

55.63% of max cost

Processing fees$3,000
Per-transaction fees$612
Refund costs$0
Dispute / chargeback fees$92
Tax compliance (DIY est.)$0
  • ⚠Known for account suspension issues — 3.6/5 Trustpilot
  • ⚠$15 per dispute
  • ⚠No refund fee, no international surcharge
  • ✓Tax compliance fully handled as MoR

LemonSqueezy

MoR

Merchant of Record — Stripe Acquired

#3

Annual Cost

$3,704

Effective rate: 6.17%

55.63% of max cost

Processing fees$3,000
Per-transaction fees$612
Refund costs$0
Dispute / chargeback fees$92
Tax compliance (DIY est.)$0
  • ⚠Acquired by Stripe in 2024 — future pricing uncertain
  • ⚠$15 per dispute
  • ⚠No refund fee, no international surcharge
  • ✓Tax compliance fully handled as MoR

Stripe

Limited

Payment Processor — Tax DIY

Most Expensive

Annual Cost

$6,658

Effective rate: 11.10%

100.00% of max cost

Processing fees$2,820
Per-transaction fees$1,346
Refund costs$0
Dispute / chargeback fees$92
Tax compliance (DIY est.)$2,400
  • ⚠Stripe India is invite-only — limited access for Indian founders
  • ⚠Stripe Billing: +0.7% + $0.80 per subscription cycle
  • ⚠Stripe Tax add-on: +0.5% of revenue
  • ⚠Manual tax filing estimated at $200/month for multi-country sales
  • ⚠$15 per dispute (partially refunded if won)
Dodo PaymentsSponsored

The only Merchant of Record built for Indian and global SaaS founders. UPI, RuPay, cards, and 190+ country tax compliance — zero setup cost.

Start Free with Dodo →

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.

Recommended Partners

🦤

Dodo Payments

Start with Dodo — open to Indian founders

How to Use

1

Enter your monthly revenue and average transaction value

2

Select your subscription type and primary market

3

Adjust refund and dispute rates for your industry

4

Compare annual costs across all payment processors

Frequently Asked Questions

A Merchant of Record legally becomes the seller on your transactions, handling all global tax collection, VAT/GST remittance, and compliance across 190+ countries. Dodo Payments and Paddle are MoRs — Stripe is not.

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