This page lists the standard published fees of nine payment processors and merchants of record (MoRs) that indie developers often use. For each one we show the base percentage, the fixed fee per transaction, surcharges for international cards and currency conversion, whether the vendor acts as merchant of record, and payout terms. Every figure comes from the vendor's own pricing or help pages, which are linked in each row. Rates are for US-based sellers charging in USD and were last checked on 22 October 2026. Vendors can change their pricing at any time, so check the linked page before you decide.
Last checked
All figures are for US-based sellers charging in USD.
Standard published fees for US-based sellers charging in USD
Vendor
Base %
Fixed fee
International card / currency-conversion surcharges
MoR (yes/no)
Payout terms (schedule, minimums, payout fees)
Official pricing URL
Checked (22 Oct 2026)
Stripe
2.9%
$0.30
+1.5% for international cards; +1% if currency conversion is required (also +0.5% for manually entered cards)
No (standard payments pricing)
Default US settlement timing 2 business days; daily, weekly, monthly or manual schedules; standard-schedule payouts free; Instant Payouts 1.5% of volume (minimum $0.50); initial payout typically 7-14 days after first live payment; minimum payout amount: not published
Not listed separately; pricing page describes the fee as all-inclusive with no hidden fees
Yes
Monthly: balance converts to a payout on the 1st if over your threshold (minimum $100, adjustable to $100,000); up to 3 working days to arrive; no Paddle payout fee; $/€/£15 SWIFT wire fee when payout currency does not match the bank's local currency; ACH (US, USD) no fees added
+1.5% for international (outside of the US) transactions; +1.5% for PayPal transactions; +0.5% for subscription payments; currency conversion: covered by platform fee per fees page
Yes
Twice a month to bank (via Stripe) or PayPal; Stripe payouts free for US bank accounts, 1% per payout outside the US; PayPal payouts $0.50 per payout (US), 3% capped at $30 (outside the US); minimum payout: not published
5% (Starter plan; Pro 3.8%, Growth 3.6%, Scale 3.4%)
$0.50 (Starter; Pro $0.40, Growth $0.35, Scale $0.30)
+1.5% for international cards (non-US); cross-border (currency conversion) payout fee 0.25% (EU) to 1% in other countries, charged by Stripe
Yes
Manual withdrawals; minimum balance $10.00 for USD payouts (higher for some currencies); Stripe payout fees passed through at cost: $2 per month of active payout(s) + 0.25% + $0.25 per payout
10% (direct sales; 30% flat for Discover marketplace sales)
$0.50
International surcharge: not published; help article states the 10% + $0.50 fee does not include credit card processing (2.9% + $0.30) or PayPal fees
Yes (since 1 Jan 2025)
Daily (US, eligible accounts), weekly, monthly or quarterly; $100 USD minimum (higher in some countries); 7-day holding period on weekly/monthly/quarterly; PayPal payouts 2% fee; US instant payouts 3% fee, up to $10K
+1.50% for international commercial transactions; currency conversion spread 3.00% (4.00% for some transaction types)
No
Seller-initiated withdrawals; standard transfer to linked bank or eligible debit card: no fee when no currency conversion; Instant transfer 1.50% of amount (minimum $0.50); minimum withdrawal amount: not published
+1.5% international (cards and APMs outside US); +3% PayPal; +3% BNPL; +0.5% subscriptions; Adaptive Currency: 2-4% FX fee charged to customer
Yes
Regular payouts free; $5 fee if payout < $1000; standard FX on non-USD settlements; USD SWIFT payouts (non-US businesses) $25; payout schedule: not published; minimum: not published
Region: US. Figures are the standard published rates for a US-based seller charging in USD, as shown on each vendor's own pricing/help pages on 22 Oct 2026. Negotiated, volume, or custom pricing is not included.
Polar: organizations created on or after 27 May 2026 start on Starter (5% + 50¢). Paid plans carry a monthly fee: Pro $20/mo, Growth $100/mo, Scale $400/mo. Older organizations may stay on the Early Member rate (4% + 40¢, +0.5% on subscription payments).
Gumroad: direct-sale fee drops to 5% + $0.50 once paid sales in a calendar month reach $20,000 (resets monthly).
Paddle: products under $10 may get bespoke pricing on request (per Paddle FAQ). Not included above.
Stripe also sells a separate merchant-of-record product. This row covers standard Stripe Payments only.
Stripe: the URL used is https://stripe.com/us/pricing. The generic https://stripe.com/pricing geo-serves regional rates (e.g. EUR pricing for European visitors), so it may not show the US figures above.
FastSpring: its pricing page publishes no rate (custom quote only), so its fee and payout cells read "custom quote only" or "not published".
"Not published" means the figure was not on the official pages checked. It does not mean the fee is zero.
Methodology
Sources: only each vendor's official pricing and help pages. No third-party sites.
Region: United States, USD pricing, standard self-serve plans. Volume, negotiated and enterprise pricing is excluded.
Base % and fixed fee are the default per-transaction rate. Surcharges (international cards, currency conversion, PayPal, subscriptions) are listed separately as each vendor publishes them.
MoR = the vendor is the legal seller to the customer and handles sales tax and VAT.
Where a figure was not stated on the official pages, the cell reads "not published". We did not estimate or infer missing figures.
Vendors whose pricing page does not publish a rate (for example, quote-only pricing) are listed as "custom quote only".
