Payment Processor Fee Comparator
Compare processor fees at a given transaction volume and average ticket size.
Payment Fee Comparator
Compare Stripe, PayPal, Square, Razorpay, Wise, Adyen & more · 100% client-side
| Platform | Rate | Fee | You Receive | Eff. % |
|---|---|---|---|---|
Adyen Global · Interchange++ markup only | 0.3% + €0.13 | $0.43 | $99.57BEST | 0.43% |
Wise Global · Business transfers avg | 0.43% | $0.43 | $99.57 | 0.43% |
Checkout.com Global · Blended domestic rate | 0.4% + $0.20 | $0.60 | $99.40 | 0.60% |
Cashfree India · UPI & domestic cards | 1.75% | $1.75 | $98.25 | 1.75% |
Paytm PG India · Cards (UPI = 0%) | 1.99% | $1.99 | $98.01 | 1.99% |
Razorpay India · Domestic cards & UPI | 2% | $2.00 | $98.00 | 2.00% |
Stripe (IN) India · Domestic cards | 2% | $2.00 | $98.00 | 2.00% |
Mollie Europe · European card payments | 1.8% + €0.25 | $2.05 | $97.95 | 2.05% |
Braintree Global · PayPal-owned platform | 2.59% + $0.49 | $3.08 | $96.92 | 3.08% |
Stripe Global · Standard online | 2.9% + $0.30 | $3.20 | $96.80 | 3.20% |
Square US/AU/GB · Online payments | 2.9% + $0.30 | $3.20 | $96.80 | 3.20% |
PayPal Global · Standard checkout | 3.49% + $0.49 | $3.98 | $96.02 | 3.98% |
Rates are approximate and may vary by country, card type, volume, and contract. Fixed fees shown in USD — some platforms charge in EUR (€) or INR (₹). Always verify on the platform's official pricing page.
Effective rate is the number that matters
Processor pricing combines a percentage and a fixed amount, so the effective rate depends heavily on your average transaction size.
effective rate = (percentage × amount + fixed fee) ÷ amount × 100
- percentage
- The variable component, e.g. 1.4% or 2.9%
- fixed fee
- The per-transaction amount, e.g. 0.20 or 0.30
- amount
- Transaction value
Worked example
- Pricing
- 1.4% + 0.20
- On a 5.00 sale
- (0.07 + 0.20) ÷ 5.00
- On a 50.00 sale
- (0.70 + 0.20) ÷ 50.00
- On a 500.00 sale
- (7.00 + 0.20) ÷ 500.00
5.4% on 5.00 · 1.8% on 50.00 · 1.44% on 500.00
The fixed fee dominates on small transactions. For a low average ticket, a processor with a higher percentage and no fixed fee is often substantially cheaper — which is the opposite of what comparing headline rates suggests.
About
Payment processor fees directly impact your margins — a 1% difference on $100,000 in monthly volume is $1,000 per month. This tool lets you compare the transaction fees of 12 major payment platforms side by side for any transaction amount, supporting both domestic and international card scenarios. Platforms covered include Stripe, PayPal, Square, Braintree, Adyen, Checkout.com, Mollie, Wise, Razorpay, Cashfree, Paytm, and Stripe India. Results are sorted by lowest fee so you can instantly see which platform costs less for your use case.
How to use
- 1 Enter a transaction amount in the input field — or click one of the quick-amount buttons ($10 to $5,000).
- 2 Toggle "International transaction" if the card is issued in a different country than your business — most processors charge an additional fee for cross-border cards.
- 3 Review the sorted table showing each platform's rate breakdown (percentage + fixed fee), the total fee, and what you receive after fees.
- 4 The lowest-fee platform is highlighted in green with a "BEST" badge.
- 5 Compare the "Max Savings" card to see how much you save by choosing the cheapest vs. most expensive option at that volume.
- 6 Check the "Eff. %" column (effective percentage) to compare apples-to-apples when fixed and percentage components differ.
- Why do some platforms show fees in EUR or INR?
- Payment processors price their fees in their primary market currency. Adyen and Mollie are European companies that charge fixed fees in EUR. Razorpay, Cashfree, Paytm, and Stripe India are India-focused and charge in INR. For cross-currency comparisons, the effective percentage rate is the most useful metric since it normalizes fixed fees relative to the transaction amount.
- Do these rates reflect what I will actually pay?
- These are published standard rates for typical online card payments. Your actual rate may differ based on: (1) Negotiated volume discounts — enterprise merchants with high volume can negotiate custom rates with most processors. (2) Card type — premium or corporate cards often incur higher interchange fees. (3) 3D Secure and other authentication flows may affect rates. (4) Industry type — some industries (travel, crypto, adult content) face higher risk-based surcharges. (5) Currency conversion fees for cross-border settlements.
- Which payment processor should I choose?
- For US/EU online businesses, Stripe is the most developer-friendly choice with excellent documentation and global coverage. PayPal is essential if your customers expect it as a checkout option. Adyen and Checkout.com are better for enterprise merchants needing custom acquiring. For Indian businesses, Razorpay and Cashfree offer competitive domestic rates and UPI support. Wise is ideal for international business transfers rather than customer checkouts. Mollie is popular for European e-commerce with strong local payment method support (iDEAL, Bancontact, SOFORT). Ultimately, choose based on your primary market, expected volume, developer experience, and which payment methods your customers prefer.
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