Roadmap Sign up
Free tool · 33 providers priced

Payment fee calculator

Estimate the monthly cost of each provider, ranked cheapest first within its own category, hidden add-on fees included. Compare like with like: Merchant of Record, PSP, account-to-account and crypto.

Open the calculator How it works
53Providers
33Priced
4Categories
$0To use
$
Add the hidden fees you'd actually pay. Suby bundles these at no extra cost; many PSPs stack them on top.
Estimate only. Official standard rates; regional providers badged with their market. Excludes tax and FX beyond the conversion add-on.
#ProviderRelative costEff. rateFees / mo
Merchant of Record 7
2Checkout (Verifone)3.5% + $0.35
–FastSpringCustomCustom
Gumroad10% + $0.50
Lemon Squeezy5% + $0.50
Paddle5% + $0.50
Polar5% + $0.50
Suby Us4% + $0.40 card · 1.5% crypto
PSP, gateways & acquirers 32
–AdyenCustom (interchange++)Custom
Airwallex1.65% + $0.30
Authorize.netUS2.9% + $0.30, $25/mo
Braintree2.59% + $0.49
CashfreeIN1.9%
–Checkout.comCustomCustom
–CybersourceCustomCustom
–dLocalAfricaCustomCustom
EBANXLatAm2.7% + $0.30
–ElavonUSCustom (from 2.9% online)Custom
Fiserv (Clover)3.5% + $0.10 online
Flutterwave2% (local)
–Global PaymentsCustomCustom
–MangopayEUCustomCustom
Mercado PagoLatAm4.99% (instant)
MollieEU1.8% + €0.25
–NexiEUCustomCustom
–NuveiCustomCustom
PayPal3.49% + $0.49
PaystackAfrica1.5% + ₦100
PayUEU2%
–RapydCustomCustom
RazorpayIN2%
Shopify Payments2.9% + $0.30
SquareUS2.9% + $0.30 online
Stripe2.9% + $0.30
SumUpUS2.5% online
Whop5.7% + $0.30
–WorldlineCustomCustom
–WorldpayCustomCustom
YocoAfrica2.95%
Zettle (PayPal)EU2.29% + $0.09 (in-person)
A2A & bank rails 7
–DwollaUSCustomCustom
GoCardless1% + $0.25 (capped)
Payoneer~1% receive
Revolut BusinessEU1% + £0.20 online
–TipaltiCustom (from ~$99/mo)Custom
–TrustlyUSCustomCustom
–WiseFX + fee (varies)Custom
Crypto gateways 7
BitPay1% + $0.25
–BVNKCustomCustom
–CircleCustomCustom
Coinbase Commerce1%
–Crypto.com PayCustomCustom
NOWPayments0.5%
Triple-A~1%
Each category is ranked on its own. Add-on fees are applied where officially published; providers where an add-on is unknown are not surcharged. Custom-priced providers sit at the bottom of their group.

How the estimate works

Compare like with like, hidden fees included.

What are the add-on fees?
Many processors charge extra on top of the headline rate: a cross-border / currency-conversion fee, a surcharge to run subscriptions, and an invoicing fee. Toggle the ones that apply to you and the ranking updates. Merchant-of-Record platforms like Suby usually bundle these in.
Why four categories?
A Merchant of Record handles tax and compliance, a PSP processes cards, an A2A provider moves money bank-to-bank, a crypto gateway settles on-chain. Their rates aren't equivalent, so we rank inside each category, not across them.
What does "Global only" do?
It hides region-specific providers (e.g. Razorpay in India, Mercado Pago in Brazil) that publish local-currency rates, so you only compare providers available worldwide. Regional providers are badged with their market.