Methodology, sources and disclosure
What we calculate
Total monthly fees = fixed plan fee + base % (or the high-ticket % where a platform has one) + fixed fee per charge + international card surcharge on the international share + FX spread on the converted share + subscription billing add-on + tax add-on (non-MoR platforms only, when tax automation is required) + fees kept on refunded orders + payout fees.
Annual billing divides the number of charges by 12, so fixed per-charge fees fall by 91.7% while percentage fees stay the same. VAT-exclusive pricing adds the local rate on top, and platforms take their percentage on that tax too; VAT-inclusive pricing keeps the sticker price, so the embedded tax comes out of your net.
Assumptions and limits
- Rates are list prices for standard accounts. Negotiated, volume or enterprise pricing is not modeled.
- Local VAT is applied to the whole revenue figure as a simplification; cross-border B2B sales are often zero-rated.
- Exchange rates are fixed reference rates used only to show local-currency equivalents.
- Results are estimates for comparison, not tax, legal or financial advice.
Fee sources (reviewed November 2026)
- Stripe
- Lemon Squeezy
- Paddle
- Polar.sh
- Dodo Payments
- Skool (Hobby $9/mo)
- Skool (Pro $99/mo)
- Kajabi (Basic $179/mo)
- Stan Store ($29/mo)
- Whop
- Gumroad
- Patreon (Standard)
- Paystack
- Wise Business (Invoicing & FX)
- PayPal Commercial
- Shopify (Basic $25/mo)
Spotted an outdated fee? The data lives in one public file and is corrected at the next monthly review.
Affiliate disclosure
FeeMatrix is free and funded by affiliate commissions and an optional paid export. Some outbound links (those through /go/) may earn us a commission if you sign up, at no extra cost to you. Rankings come only from the fee formulas above:
a platform that pays us is ranked exactly where its fees put it, and high-fee platforms that pay nothing are still shown.