Estimate how much payment fees, fixed checkout fees, international cards, refunds, and chargebacks can change SaaS take-home revenue.
SaaS founders often compare providers too late, after checkout, tax, invoices, and customer records are already wired together. A payment fee calculator is most useful before the billing stack becomes expensive to change.
Stripe, Paddle, Lemon Squeezy, and Polar do not package the same work. Some providers focus on payment processing, while merchant-of-record providers bundle more tax, compliance, and buyer support into the fee.
Start with monthly revenue, monthly orders, and international card share. Those three inputs usually explain more of the fee difference than the headline percentage rate alone.
Model your current monthly plan, your annual plan, and a higher-growth scenario. A provider that looks expensive at $500 MRR may become reasonable once the time saved on tax and operations matters more.
The main calculator compares SaaS payment providers from one input set.
Open the calculatorComparing only the percentage fee. Fixed fees, international cards, refunds, chargebacks, and tax operations can all change the real take-home amount.
Sometimes. It can be useful when selling globally or when a small team wants tax and payment operations bundled. It may be overkill if you sell locally and already have finance operations.
Recalculate when pricing changes, order volume changes, international sales grow, or refund and dispute rates shift.