Payment processing fees calculator


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2		Monthly order volume (#)	10000
3	How to use the calculator?	Annual order volume (#)	120000
4	1. Enter your monthly order volume and avg order value for your business	Avg order value (USD)	50
5	2. Play around with the volume split of your transactions across different payment methods	Payment Method	Volume split	Annual order volume (#)	Annual Processing fees (USD)				Cost differential
6	3. Add % of international transactions that you aim to process (This % is not considered as part of the overall volume of 100%)	Payment Method	Volume split	Annual order volume (#)	Stripe	Adyen	Paypal	Braintree	Cost differential
7	4. Under the Annual processing fees columns:	Mastercard	20.00%	24000	38400	26160	41760	36960	37%
8	a) Green cells: Cheapest processing fees for the selected payment method	Visa	20.00%	24000	38400	24960	41760	36960	40%
9	b) Red cells: Costliest processing fees for the selected payment method	Amex	20.00%	24000	38400	42360	41760	36960	13%
10	c) NA: The processor doesn’t support the payment method	Paypal	15.00%	18000	NA	36990	35820	35820	3%
11	5. Cost differential column gives you the difference between the costs of the costliest and cheapest processor as a % of the costliest processor	ACH Debits	10.00%	12000	4800	2400	NA	4500	50%
12	6. Total cost(Actual) for a processor is the total cost if you had chosen the processor as a standalone processor	Affirm BNPL	5.00%	6000	18900	19260	NA	NA	2%
13	7. Total cost(Cost optimized) is the overall cost after optimizing for cheapest processor for each payment method	Applepay (Visa)	10.00%	12000	19200	12480	18480	18480	35%
14		International transactions - additional fees	15.00%	18000	13500	2700	13500	9000	80%
15		Total cost (Actual)	100.00%	120000	171600	167310	193080	178680	13%
16		Total cost (Cost Optimized)	100.00%	120000	160380				17%
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20		If Amount was $100
21	This section is used to simplify the various different kinds of pricing like fixed, interchange, percentage, max cap across these 4 processors from the respective sheets and arrive at %fees for an amount of $100. This table was used as the base for the calculations above			Processing fees (% of amount)
22		PMT	Amount	Stripe	Adyen	Paypal	Braintree	Cost differential
23		Mastercard	100	3.20%	2.18%	3.48%	3.08%	37%
24		Visa	100	3.20%	2.08%	3.48%	3.08%	40%
25		Amex	100	3.20%	3.53%	3.48%	3.08%	13%
26		Paypal	100	NA	4.11%	3.98%	3.98%	3%
27		ACH Debits	100	0.80%	0.40%	NA	0.75%	50%
28		Affirm BNPL	100	6.30%	6.42%	NA	NA	2%
29		Applepay (Visa)	100	3.20%	2.08%	3.08%	3.08%	35%
30		International transactions - addtl fees	100	1.50%	0.30%	1.50%	1%	80%


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3	Product/ Solution	Standard Charges	Variable % fee per transaction	Fixed fee per transaction (in USD)	Maximum cap per transaction (in USD)	Fixed fee per month (in USD)	Comments
4	Payments	Domestic cards (Debit/Credit)	2.90%	0.30
5		ACH direct debit	0.80%	0.00	5.00
6		Buy now pay later - Pay in 3+ installments	6.00%	0.30
7		Digital wallets - Alipay, Applepay etc.,	2.90%	0.30
8		Manual card entry	0.50%
9		International card processing	1.50%
10		ACH direct debit - account validation		1.50
11		Currency conversion	1.00%	0.30
12		Failed ACH payments		4.00
13	Billing	Starter plan	0.50%
14	Billing	Pro plan	0.80%
15	Tax	No code integration	0.50%
16		API integration - Transaction fee (includes upto 10 API calls per transaction)		0.50
17		API integration - fee per API call (for exceeding beyond 10 API calls per transaction)		0.05			This is fee per API call
18	Payment Links	Post payment invoices	0.40%		2.00
19	Invoicing	Starter plan	0.40%
20	Invoicing	Plus plan	0.50%
21	Data Pipeline	Accessing Stripe data in your data warehouse		0.03			This is a charge per payment request call (and not a charge per transaction processed successfully. Say 100 payment requests might get initiated, but only to 80 payments may get processed successfully). However, for simplifying the calculations and keep it common across other modules, we have consider the charges for each processed transaction
22	Radar	Chargeback protection	0.40%				Protects upto USD 25000 per year. This has been prorated on an monthly basis for simplifying the calculation
23	Radar	Dispute fee per lost transaction		15.00
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27	References*
28	https://stripe.com/pricing
29	https://stripe.com/billing/pricing
30	https://stripe.com/pricing/local-payment-methods
31	https://stripe.com/data-pipeline#pricing
32	https://stripe.com/pricing#faqs
33	https://stripe.com/tax#pricing
34	https://stripe.com/invoicing/pricing
35	https://stripe.com/sigma#pricing
36	https://support.stripe.com/questions/pricing-for-post-payment-invoices-for-one-time-purchases-via-checkout-and-payment-links
37	https://support.stripe.com/questions/chargeback-protection-limits
38	https://support.stripe.com/questions/dispute-fees-faq
39	*Note: All pricing references are for US location (in USD)


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2	Payments	Payment method	Shopper Country	Adyen Processing fee	Payment method fee
3		ACH Direct Debit	United States	$0.13	$0.27
4		Affirm	United States	$0.13	Direct contract with Affirm
5		Afterpay & Clearpay	US, Canada	$0.13	4.99%+$0.30
6		Afterpay & Clearpay	Australia, New Zealand	$0.13	4.99%+AUD/NZD 0.30
7		Afterpay & Clearpay	UK	$0.13	4.19%+GBP 0.30
8		Afterpay & Clearpay	Italy, Spain, France	$0.13	3.99%+EUR 0.30
9		Alipay	Hong Kong, Spain, Canada, Australia, United Kingdom, Sweden, Norway, Slovakia Austria, Netherlands, Germany, Hungary, Cyprus, Luxembourg, Switzerland, Belgium, France, Denmark, Finland, Singapore, Malaysia, United States, Thailand, Japan, China, New Zealand, Romania, Liechtenstein, Malta, Slovenia, Greece, Portugal, Ireland, Czech Republic, The Baltics, Italy, Poland, Iceland	$0.13	3%
10		Amazon Pay	Spain, United Kingdom, Sweden, Austria, Netherlands, Hungary, Cyprus, Luxembourg Switzerland, Belgium, France, Denmark, United States, Portugal, Ireland, Italy
11		Mastercard		$0.13	0.80%+ Interchange++
12		Visa		$0.13	0.80%+ Interchange++
13		American Express		$0.13	0.80%+ 3.95%
14		SEPA Direct Debit		$0.13	0.80%+ EUR 0.25
15		AMEX	United Arab Emirates, Hong Kong, Brazil, Spain, Canada, Australia, United Kingdom, Sweden Norway, Slovakia, Austria, Netherlands, Germany, Hungary, Cyprus, Luxembourg, Switzerland, Belgium, France, Denmark, Finland, Singapore, United States, Japan, New Zealand, Mexico, Romania, Croatia, Liechtenstein, Malta, Slovenia, Greece, Gibraltar, Portugal, Ireland, Czech Republic, The Baltics, Italy, Poland, Iceland
16		North America		$0.13	3.3%+ $0.10
17		Global		$0.13	3.95%
18		Apple Pay	Global	$0.13	Defined by card used
19		Diners	Global	$0.13	3.95%
20		Discover	Hong Kong, Brazil, Spain, Canada, Australia, United Kingdom, Sweden, Norway Slovakia, Austria, Netherlands, Germany, Hungary, Cyprus, Luxembourg, Switzerland, Belgium, France, Denmark, Finland, Singapore, United States, Japan, Romania, Croatia, Liechtenstein, Malta, Slovenia, Greece, Gibraltar, Portugal, Ireland, Czech Republic, The Baltics, Italy, Poland, Iceland	$0.13	3.95%
21		Google Pay	United Arab Emirates, Hong Kong, Brazil, Spain, Canada, Australia, United Kingdom, Kuwait Bahrain, Sweden, Norway, Slovakia, Austria, Netherlands, Germany, Hungary, Cyprus, Luxembourg, Switzerland, Belgium, France, Denmark, Finland, Singapore, Malaysia, United States, Thailand, Vietnam, Japan, New Zealand, Romania, Croatia, Liechtenstein, Malta, Slovenia, Greece, Portugal, Ireland, Czech Republic, The Baltics, Italy, Poland, Turkey, Iceland	$0.13	Defined by card used
22		JCB	Global	$0.13	3.75%
23		Klarna
24		Pay Over Time	United States, Canada	$0.13	4.29% + $ 0.30
25			Australia	$0.13	4.29% + $ 0.30
26			Austria, Germany	$0.13	2.99%
27			United Kingdom	$0.13	4,99% + £ 0.20
28			Spain, Italy, France, Portugal	$0.13	3.99% + € 0.20
29			Finland	$0.13	0.99% + € 0.59
30			Netherlands	$0.13	2.99% + € 0.49
31			Ireland	$0.13	4,99% + € 0.20
32			Sweden	$0.13	0.99% + SEK 5.90
33			Norway	$0.13	0.99% + NOK 5.90
34		Pay Later	United Kingdom	$0.13	2.90% + £ 0.20
35			Finland	$0.13	2.79% + € 0.59
36			Norway	$0.13	2.79% + NOK 5.90
37			Sweden	$0.13	2.79% + SEK 5.90
38			Poland	$0.13	2.60% + 1.40 PLN
39			Austria, Belgium, Switzerland, Germany, Netherlands	$0.13	2.99% + between € 0.35 and € 1.00
40			Denmark	$0.13	2.79% + DKK 5.90
41		Pay Now	Sweden	$0.13	1.35% + SEK 2.00
42			Switzerland	$0.13	1.35% + CHF 0.20
43			Austria, Germany, Netherlands, Belgium	$0.13	1.35% + € 0.20
44		Maestro	Global	$0.13	Interchange++
45		Mastercard	Global	$0.13	Interchange++
46		Paypal	Global	$0.13	Direct contract with Paypal
47		PaySafeCard	Spain, Canada, Australia, United Kingdom, Sweden, Norway, Austria, Netherlands Germany, Hungary, Switzerland, Belgium, France, Denmark, United States, New Zealand, Portugal, Ireland, Czech Republic, The Baltics, Poland	$0.13	from 10% to 12%
48		Samsung Pay	Global	$0.13	Defined by card used
49		UnionPay	Global	$0.13	3%
50		Visa	Global	$0.13	Interchange++
51		WeChat Pay	Hong Kong, Spain, Canada, Australia, United Kingdom, Sweden, Norway, Slovakia Austria, Netherlands, Germany, Cyprus, Luxembourg, Switzerland, Belgium, France, Denmark, Finland, Singapore, United States, Japan, China, New Zealand, Liechtenstein, Malta, Slovenia, Greece, Portugal, Ireland, The Baltics, Italy, Poland, Iceland	$0.13	3%
52		Zip
53			United Kingdom	$0.13	4.25%
54			United States, Canada	$0.13	4.99% + USD/CAD 0.30
55			Australia	$0.13	AUD 0.30
56			New Zealand	$0.13	NZD 0.30


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4	Cards and Digital wallets	2.59% + $0.49 per transaction
5		add 1% for Non USD
6		add 1% for non US cards
7		$15 for chargeback
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9	Paypal	Negotiated as part of Paypal account setup
10	Venmo	3.49% + $0.49
11	ACH Direct Debit	0.75% per transaction	Max per transaction fee of $5


1	Payment Type	Rate
2	Alternative Payment Method (APM)	2.59% + $0.49
3	PayPal Checkout	3.49% + $0.49
4	PayPal Guest Checkout	3.49% + $0.49
5	QR code Transactions – 10.01 USD and above	1.90% + $0.49
6	QR code Transactions – 10.00 USD and below	2.40% + $0.49
7	QR code Transactions through third party integrator	2.29% + 0.09 USD
8	Pay with Venmo	3.49% + $0.49
9	Send/Receive Money for Goods and Services	0.0299
10	Standard Credit and Debit Card Payments	2.99% + $0.49
11	All Other Commercial Transactions	3.49% + $0.49
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13	International Transactions	1.50%
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16	Chargebacks	$20
17	Disputes	$15


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3	We have simplified the various different kinds of pricing like fixed, interchange, percentage, max cap across these 4 processors from the respective sheets to arrive at processing fees as % of average order value
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5	How to use the calculator?	Average order value (USD)	50	Processing fees (% of order value)
6	1. Enter your Average order value (USD)	PMT	Average Order Value	Stripe	Adyen	Paypal	Braintree	Cost differential
7	2. Under the Processing fees (% of order value) columns:	Mastercard	50	3.50%	2.41%	3.97%	3.57%	39%
8	a) Green cells: Cheapest processing fees for the selected payment method	Visa	50	3.50%	2.41%	3.97%	3.57%	39%
9	b) Red cells: Costliest processing fees for the selected payment method	Amex	50	3.50%	3.76%	3.97%	3.57%	12%
10	c) NA: The processor doesn’t support the payment method	Paypal	50	NA	4.73%	4.47%	4.47%	5%
11	3. Cost differential column gives you the difference between the fees of the costliest and cheapest processor as a % of the costliest processor	ACH Debits	50	0.80%	0.80%	NA	0.75%	6%
12		Affirm BNPL	50	6.60%	6.85%	NA	NA	4%
13		Applepay (Visa)	50	3.50%	2.41%	3.57%	3.57%	32%
14		International transactions - addtl fees	50	1.50%	0.30%	1.50%	1%	80%
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31	If you want to customize further and understand the calculations behind all this simplification, use the Advanced Calculator sheet