Platform fees

Compare payment processing fees: Stripe, PayPal and more

Compare domestic payment fees with international payment charges. Check required costs, settlement timing and seller availability for your country.

15 platforms

US / USD unless labelled

Last checked

Sources and dates

Stripe

Checked

Required cost
Standard pricing has no setup or monthly fee Source
Domestic payment fee
US online domestic cards: 2.9% + $0.30 Source
International payment fee
US cards: +1.5% international; +1% if currency conversion is required Source
Settlement
Standard payouts are free; instant payouts cost 1.5%, min $0.50 Source
Seller availability
Seller accounts available in listed countries; local terms vary Source

PayPal

Checked

Required cost
US Payment Links: no setup or monthly fee Source
Domestic payment fee
US Payment Links: PayPal/Venmo 3.49% + $0.10; cards/Apple Pay 2.99% + $0.10; Pay Later 4.99% + $0.10. Source
International payment fee
US commercial payments add 1.5% for international transactions; currency conversion adds 3–4% depending on conversion type. Source
Settlement
Standard bank transfer is free and takes 1–3 business days; instant transfer costs extra Source
Seller availability
Shown rates are for US PayPal accounts; availability and rates vary by country Source

Square

Checked

Required cost
Square Free has no monthly fee Source
Domestic payment fee
US Free: online/invoices 3.3% + $0.30; online API 2.9% + $0.30 Source
International payment fee
Cards issued outside the seller country add 1.5% Source
Settlement
Standard transfers are next business day; instant and same-day transfers cost 1.95% Source
Seller availability
Card processing accounts are available in the US, Canada, Australia, Japan, UK, Ireland, France, and Spain. Source

Razorpay

Checked

Required cost
No setup or AMC; current new-merchant offer has ₹199 KYC fee + GST Source
Domestic payment fee
Most domestic card, netbanking, wallet, and regular UPI payments: 2% platform fee + 18% GST. RuPay Credit Card via UPI: 2.15% platform fee + GST, plus applicable network MDR. Eligible methods may qualify for the introductory waiver. Source
International payment fee
International cards: up to 3% + GST. Source
Settlement
Pricing page says typically T+1; June 2026 fee article says T+2 working days. Instant settlement is available at extra cost. Source
Seller availability
Eligible merchants activated on/after 1 Jul 2026 get 0% on eligible domestic methods for 90 days or ₹5L GMV, whichever comes first; exclusions and ₹199 KYC fee apply. Source

Instamojo

Checked

Required cost
No setup or maintenance fee Source
Domestic payment fee
Payment Links: Quick ₹0/year; Smart ₹4,999/year or ₹1,499/month. Both charge 2% + ₹3 per transaction, plus 18% GST. Source
International payment fee
Corporate cards: 3% + ₹3; Premium and international card prices require a request. Digital-product checkout uses a separate rate schedule. Source
Settlement
Standard bank payout T+3 business days; same-day option adds 0.5% + GST Source
Seller availability
Rates are for Indian sellers; bank payouts follow account verification Source

Cashfree Payments

Checked

Required cost
Zero setup fee Source
Domestic payment fee
Domestic standard: 1.95% + 18% GST. Promo waives the platform fee on the first ₹20L eligible domestic GMV after onboarding. Source
International payment fee
International Visa/Mastercard: 2.99%; AmEx: 2.95%; offer excludes international cards Source
Settlement
Offer gives T+1 by 8 PM IST; standard settlements are T+2 working days Source
Seller availability
Offer requires new merchants signing up 21 Jul 2026–31 Mar 2027. One use per PAN/bank; prior Cashfree transactors, custom method pricing, partner/reseller referrals, listed school/transport MCCs, and excluded methods do not qualify. Cashfree may withdraw it at 60%+ credit-card GMV. Source

PayU

Checked

Required cost
No setup, onboarding or annual fee Source
Domestic payment fee
India domestic cards/netbanking/wallets/BNPL: 2% + 18% GST on fee Source
International payment fee
International cards, AmEx, Diners and EMI: 3% + GST Source
Settlement
Standard settlement T+2; same-day and priority options are category-based and may cost extra Source
Seller availability
Indian merchant onboarding; merchant UPI rates vary by business and volume Source

Paystack

Checked

Required cost
No setup, integration or maintenance fee Source
Domestic payment fee
Nigeria local: 1.5% + ₦100; fixed fee waived below ₦2,500; capped at ₦2,000 Source
International payment fee
Nigeria international Visa/Mastercard/Verve: 3.9% + ₦100; AmEx: 4.5% Source
Settlement
Automatic settlement is free and within 24 hours; separate transfers have tiered fees Source
Seller availability
Country-specific rates and currencies; Nigeria pricing shown Source

Flutterwave

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Required cost
Creating a Nigeria Flutterwave account is free; transaction and transfer fees may apply. Source
Domestic payment fee
Nigeria local payments: 2% (1.4% transaction + 0.6% platform), plus 7.5% VAT on the fee. Source
International payment fee
Nigeria international payments: 4.8%, plus 7.5% VAT on the fee. Source
Settlement
Nigeria local settlements T+1 business day; international settlements T+5 business days Source
Seller availability
Country-specific pricing; Nigeria rates shown Source

Mollie

Checked

Required cost
Pay as you go; no monthly fee or commitment; payment links included Source
Domestic payment fee
EEA consumer cards: 1.8% + €0.25; commercial cards: 2.9% + €0.25 Source
International payment fee
Non-EEA Visa and Mastercard: 3.25% + €0.25; other networks have separate rates (American Express: 2.90% + €0.25). Source
Settlement
Weekly default; free schedules: every business day, weekly or monthly. 365-day weekend and holiday payouts require a Mollie Business Account. Source
Seller availability
Available to businesses in supported European countries Source

Mercado Pago

Checked

Required cost
Free account; no monthly fee for Payment Links Source
Domestic payment fee
Cards, wallet and SPEI: 3.49%, 3.19% or 2.95% + MXN 4 by release time; Oxxo/cash: 3.79% + MXN 4. Source
International payment fee
International card pricing is not listed on the Mexico Payment Links page Source
Settlement
Choose instant, 7-day or 30-day release; some new sellers start at 7 days Source
Seller availability
IVA treatment is unclear: the current pricing page omits it on standard rates; an 11 May 2026 official article adds it. Source

Xendit

Checked

Required cost
No registration/subscription fee; from 1 Oct 2026, USD50 monthly minimum may apply if invoice is under USD50 or dormant 180 days; legacy API: USD250/month Source
Domestic payment fee
Indonesia Visa/Mastercard/JCB: 2.9% + Rp2,000 now; add Rp4,000 per attempt from Oct 1 Source
International payment fee
Indonesia international Visa/Mastercard/JCB use the same listed card rate Source
Settlement
Indonesia payouts cost 1%, min IDR2,500; add Rp4,000 per attempt from 1 Oct 2026; timing varies by bank and cutoff Source
Seller availability
Indonesia rates shown; methods vary by country. Published Xendit fees are generally tax-exclusive; applicable local VAT/GST is added and deducted at settlement. Source

HitPay

Checked

Required cost
No setup or monthly fee; payment links add 0.2% to method fee Source
Domestic payment fee
Payment Link total: domestic cards 3.0% + S$0.50; PayNow S$100+ 0.85% + S$0.30; below S$100: 0.9% (min S$0.20) + 0.2% link fee. Source
International payment fee
Payment Link total: international cards 3.85% + S$0.50; foreign-currency payments add 2%. Source
Settlement
Card payout: T+1 business or calendar day in the pricing tables; Compliance sets card schedule case by case. Source
Seller availability
Singapore rates shown; HitPay also serves Malaysia and the Philippines Source

Omise

Checked

Required cost
No upfront, fixed or monthly minimum fee; pay per successful transaction Source
Domestic payment fee
Thailand cards and instalments: 3.65% + 7% VAT Source
International payment fee
Thai pricing lists no separate international card surcharge. Source
Settlement
7-day hold; next-business-day transfer. Official sources conflict: THB20 up to THB2M in pricing/transfer guide; May 27 FAQ says THB30 below THB2M and THB150 above, plus a bank fee. Source
Seller availability
Thailand pricing shown; Omise terms and methods differ by market Source

PayHere

Checked

Required cost
Lite is free; Plus LKR3,990/mo; Premium LKR9,990/mo. Source
Domestic payment fee
Card processing: Lite 3.30%, Plus 2.99%, Premium 2.69% Source
International payment fee
Foreign currency adds 1%; premium cards add 0.5%; HelaPay is 1.99% Source
Settlement
Daily bank payouts on T+2 settlement cycle Source
Seller availability
Per-payment/monthly caps: Lite LKR50K/200K, Plus LKR250K/3M, Premium LKR1M/unlimited. Source

Stripe

Online payments

2.9% + 30¢US cards
+ 1.5%International cards

You keep 97.1% before other fees

Start
Free
Payouts
Free standard
Instant payout
1.5%
+ 1 more rate
All Stripe rates
RateWhen
US online payments
2.9%+ 30¢US cards
+ 1.5%International cards
+ 1%Currency conversion

Rates shown are for US accounts. Other countries have their own pricing.

Checked

Sources

PayPal

Payment links

2.99% + 10¢Cards
3.49% + 10¢PayPal and Venmo

You keep 97.01% before other fees

Start
Free
International
+ 1.5%
Bank transfer
Free, 1–3 days
+ 1 more rate
All PayPal rates
RateWhen
US Payment Links
2.99%+ 10¢Cards
3.49%+ 10¢PayPal and Venmo
4.99%+ 10¢Pay Later

Currency conversion adds 3–4%.

Checked

Sources

Square

Online payments

3.3% + 30¢Online, free plan
2.9% + 30¢Online API

You keep 96.7% before other fees

Plan
Free
Foreign cards
+ 1.5%
Instant transfer
1.95%
All rates and sources
All Square rates
RateWhen
US, free plan
3.3%+ 30¢Online, free plan
2.9%+ 30¢Online API

Square works in the US, Canada, Australia, Japan, and parts of Europe.

Checked

Sources

Razorpay

Payments, India

2%Most domestic payments
3%International cards

You keep 98% before other fees

Setup
₹199 KYC fee
Settlement
1 to 2 days
New sellers
0% for 90 days
+ 2 more rates
All Razorpay rates
RateWhen
India
2%Most domestic paymentsPlus 18% GST
2.15%RuPay credit via UPIPlus GST and network fee
3%International cardsUp to, plus GST
New sellers
0%Eligible domestic90 days or ₹5L, whichever first

New merchants from 1 July 2026 pay 0% on eligible domestic payments for a limited time.

Checked

Sources

Instamojo

Payment links, India

2% + ₹3Payment Links

You keep 98% before other fees

Smart plan
₹1,499 a month
Corporate cards
3% + ₹3
Payouts
3 business days
+ 1 more rate
All Instamojo rates
RateWhen
Instamojo
2%+ ₹3Payment LinksPlus 18% GST
3%+ ₹3Corporate cards

Same-day payouts cost 0.5% plus GST.

Checked

Sources

Cashfree Payments

Payments, India

1.95%Domestic
2.99%International cards

You keep 98.05% before other fees

Setup
Free
Settlement
2 working days
New sellers
First ₹20L free
+ 2 more rates
All Cashfree Payments rates
RateWhen
Cashfree
1.95%DomesticPlus 18% GST
2.99%International cardsVisa and Mastercard
2.95%AmEx
0%First ₹20L, new sellersOffer until 31 Mar 2027

The new seller offer has several exclusions.

Checked

Sources

PayU

Payments, India

2%Domestic
3%International and EMI

You keep 98% before other fees

Setup
Free
Settlement
2 days
UPI
By business
All rates and sources
All PayU rates
RateWhen
PayU
2%DomesticPlus 18% GST
3%International and EMIPlus GST

Same-day settlement can cost extra.

Checked

Sources

Paystack

Payments, Africa

1.5% + ₦100Local payments
3.9% + ₦100International cards

You keep 98.5% before other fees

Setup
Free
Local fee cap
₦2,000
Settlement
Within 24 hours
+ 1 more rate
All Paystack rates
RateWhen
Nigeria
1.5%+ ₦100Local payments₦100 waived under ₦2,500
3.9%+ ₦100International cards
4.5%AmEx

Nigeria rates shown. Other countries have their own rates.

Checked

Sources

Flutterwave

Payments, Africa

2%Local payments
4.8%International

You keep 98% before other fees

Setup
Free
VAT
7.5% on the fee
Settlement
Next business day
All rates and sources
All Flutterwave rates
RateWhen
Nigeria
2%Local paymentsPlus VAT on the fee
4.8%InternationalPlus VAT on the fee

International payments settle in five business days.

Checked

Sources

Mollie

Payments, Europe

1.8% + €0.25EEA consumer cards
3.25% + €0.25Non-EEA cards

You keep 98.2% before other fees

Plan
None
Payment links
Included
Payouts
Weekly by default
+ 1 more rate
All Mollie rates
RateWhen
Mollie
1.8%+ €0.25EEA consumer cards
2.9%+ €0.25EEA business cards
3.25%+ €0.25Non-EEA cards

Mollie is for businesses in supported European countries.

Checked

Sources

Mercado Pago

Payment links, Mexico

3.49% + MXN 4Instant release
2.95% + MXN 430-day release

You keep 96.51% before other fees

Plan
Free
Oxxo cash
3.79% + MXN 4
IVA
Unclear
+ 2 more rates
All Mercado Pago rates
RateWhen
Mexico, cards and SPEI
3.49%+ MXN 4Instant release
3.19%+ MXN 47-day release
2.95%+ MXN 430-day release
Cash
3.79%+ MXN 4Oxxo and cash

Waiting longer for your money lowers the fee.

Checked

Sources

Xendit

Payments, Southeast Asia

2.9% + Rp2,000Indonesia cards

You keep 97.1% before other fees

Plan
None
From 1 Oct
+ Rp4,000 a try
Payouts
1%, min Rp2,500
+ 1 more rate
All Xendit rates
RateWhen
Indonesia cards
2.9%+ Rp2,000Until 30 Sep 2026
2.9%+ Rp6,000From 1 Oct 2026

From 1 October 2026 a $50 monthly minimum may apply to small or dormant accounts. Fees exclude tax.

Checked

Sources

HitPay

Payment links, Singapore

3% + S$0.50Domestic cards
3.85% + S$0.50International cards

You keep 97% before other fees

Plan
None
Link fee
Included in shown rates
Payouts
By account and method
+ 1 more rate
All HitPay rates
RateWhen
Singapore payment links
3%+ S$0.50Domestic cards
3.85%+ S$0.50International cards
0.85%+ S$0.30PayNow, S$100 and up

Foreign-currency payments add 2%. These totals include the 0.2% link fee.

Checked

Sources

PayHere

Payments, Sri Lanka

3.3%Lite, free
2.69%Premium

You keep 96.7% before other fees

Plus
LKR3,990 a month
Foreign currency
+ 1%
Payouts
Daily
+ 1 more rate
All PayHere rates
RateWhen
PayHere
3.3%Lite, free
2.99%Plus
2.69%Premium

Each plan limits how much you can take per payment and per month.

Checked

Sources

Software and SaaS checkout services

12 platformsHeadline fees: 3.5% to 5% (9 percentage rates)

Online stores and checkout tools

15 platformsHeadline fees: 0% to 7% (13 percentage rates)

Online event and workshop tickets

12 platformsHeadline fees: 0% to 5% (8 percentage rates)