Free tool
Payment provider fee calculator
Enter your monthly sales and see what each of the eight billing providers supastack supports would actually charge — surcharges and plan fees included.
Source on GitHubYour sales
All eight providers, ranked for your volume
200 transactions / month
| Provider | Monthly fees | Effective rate | Merchant of record | Calculator |
|---|---|---|---|---|
| WhopCheapest | $367.50 | 3.68% | No — you file tax | Calculator |
| Stripe | $387.50 | 3.88% | No — you file tax | Calculator |
| Creem | $470.00 | 4.7% | Yes — tax handled | Calculator |
| PayPal | $484.50 | 4.85% | No — you file tax | Calculator |
| PolarPro plan | $517.50 | 5.18% | Yes — tax handled | Calculator |
| Dodo Payments | $547.50 | 5.48% | Yes — tax handled | Calculator |
| Paddle | $600.00 | 6% | Yes — tax handled | Calculator |
| Lemon Squeezy | $667.50 | 6.68% | Yes — tax handled | Calculator |
Processor or merchant of record?
Stripe, PayPal and Whop are payment processors — they move money and you stay the legal seller, which means sales-tax registration and filing in every market you sell into. Lemon Squeezy, Paddle, Polar, Creem and Dodo are merchants of record: they become the seller, absorb global tax compliance and chargebacks, and charge a higher rate for it. The fee gap on this page is the real price of that tax work — the right choice depends on your volume and where your buyers are.
Rates are each provider's published schedule as of October 2026 and stay editable in the calculator — confirm current numbers on the official pricing pages before deciding.
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I'm a marketer, not a full-time developer. Supastack brings auth, workspaces, billing, BYOK AI, email and themes together in one codebase. The AGENTS.md and prompts help me start building with Claude Code without learning every corner of the repo. Solid base for AI SaaS.
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Start buildingI'm building Lixing, a local-first reflection app. I ran the monorepo on Windows and pulled four patterns into my app: config, secure license storage, entitlements and a paywall. The port passed 26 tests behind a feature flag before touching production. I don't need auth or billing today, but I know where to look when Lixing needs a backend.
PengGangjieI'm using Supastack for my app's backend now. I wish I'd had it from the start. It would have saved me even more work.
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