What does this payment fee calculator compare?

The calculator compares all-in payment processing costs across major providers like Creem, Stripe, Paddle, Lemon Squeezy, Gumroad, Mollie, Payhip and others, including base fees, international surcharges, subscription surcharges, FX conversion and payout fees where applicable.

Which fees are included in the comparison?

We include base percentage fees, flat per-transaction fees, international card surcharges, subscription billing surcharges, FX conversion fees and payout fees based on your payout method and region. Refund and dispute policies are shown in the breakdown row for each provider.

Are these fee calculations exact?

Calculations are estimates based on publicly available pricing as of 2026 and a single monthly payout. Actual fees may vary by country, payment method, volume tiers and special pricing you negotiate directly with providers.

Can I use this calculator to share scenarios with my team?

Yes. When you change the price, volume, regions or payout preferences, those inputs are encoded in the page URL so you can copy and share a link that opens the calculator with the same scenario pre-filled.

Fee Calculator

Comparepayment feesinstantly

The most accurate interactive tool to compare Stripe, Paddle, Lemon Squeezy, Creem and more — with real payout, international, and subscription fees.

Your Numbers

Product Price ($)

Monthly Avg Qty/Sales

Subscription Product?

Selling From

Selling To

Payment Method

Payout Method

Payout Currency

Total Revenue

$5,000.00 /mo

Best Platform

Creem (Net: $4,735.00)

Worst Platform

Gumroad (Net: $4,315.00)

Max Difference

$420.00

Filter by MoR

Platform	Total (USD)	Fees (USD)	Net (USD)	Fee %	vs Stripe	MoR	Affiliate	Rank
Creem	$5,000.00	$265.00	$4,735.00	5.30%	$-69.75	MoR	Built-in	🥇 Best
Paddle	$5,000.00	$275.00	$4,725.00	5.50%	$-59.75	MoR	Affonso	🥈 2nd
DodoPayments	$5,000.00	$320.00	$4,680.00	6.40%	$-14.75	MoR	Affonso	🥉 3rd
Polar	$5,000.00	$334.75	$4,665.25	6.69%	$0.00	MoR	Affonso	4th
LemonSqueezy	$5,000.00	$375.00	$4,625.00	7.50%	+$40.25	MoR	Built-in	5th
Stripe MoR	$5,000.00	$509.75	$4,490.25	10.20%	+$175.00	MoR	Affonso	6th
Gumroad	$5,000.00	$685.00	$4,315.00	13.70%	+$350.25	MoR	Built-in	7th

↑ Click any row to expand fee breakdown

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🏆 Creem is #1 for your scenario

Monthly savings

$420.00

per month

Annual savings

$5,040.00

per year

vs Gumroad (most expensive) — Creem's effective rate is 5.3% of revenue

Start saving with Creem →See full pricing

Monthly Fees

lower is better

Embed this calculator

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* Calculations based on publicly available pricing as of 2026. Stripe subscription fee applies when using Stripe Billing. International surcharge applies to non-domestic cards. Payout fees assume one payout per month. Actual fees may vary by country and payment method. Calculation methodology inspired by jeeiee.com.

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