Payment fee changelog

Every calculator on this site reads from one fee data file (version 2026.11.07, updated 2026-11-07). This page lists material rate corrections and the current schedule snapshot. 41 of 57 rates are marked verified against official pricing pages.

Recent changes

Re-verified published list rates against official pricing pages. Replaced incorrect PayPal India “domestic approximate” (2.3%, unverified) with official India international receiving rate (4.40% + ₹3.00). Fixed Stripe EU source URL (en-eu 404 → en-de) and Zelle FAQ URL. Refreshed lastVerified stamps. Wise corridors remain unverified (JS-rendered quotes).

Corrected stale schedules against official pricing pages (PayPal G&S vs Checkout, Stripe intl/AU, Square Free/online/UK/AU, Patreon 10% plan, Ko-fi tip fees, BMAC blended, Cash App Business, Venmo G&S, Shopify Grow rename). Wise left unverified (JS-rendered).

Initial public fee data version published.

Current schedules

Generated from src/data/fees.ts. See also methodology and the weekly GitHub Action rate watcher.

Stripe

Stripe rates in fee data 2026.11.07
Schedule Rate Status Verified Source
US domestic cards 2.9% + $0.30 verified Official
UK domestic cards 1.5% + £0.20 verified Official
Canada domestic cards 2.9% + C$0.30 verified Official
Australia domestic cards 1.65% + A$0.30 verified Official
Australia international cards 3.5% + A$0.30 verified Official
EU/EEA standard European cards 1.5% + €0.25 verified Official
US + international card 4.4% + $0.30 verified Official
US + currency conversion 3.9% + $0.30 verified Official
US + international card + FX 5.4% + $0.30 verified Official
US + manually entered card 3.4% + $0.30 verified Official
Stripe Connect (platform + standard) 2.9% + $0.30 verified Official
Stripe Invoicing (cards) 2.9% + $0.30 verified Official

PayPal

PayPal rates in fee data 2026.11.07
Schedule Rate Status Verified Source
US Goods & Services (Send/Receive Money) 2.99% verified Official
US PayPal Checkout 3.49% + $0.49 verified Official
US standard credit & debit cards 2.99% + $0.49 verified Official
US Friends & Family (balance/bank) 0% verified Official
US Checkout + international 4.99% + $0.49 verified Official
UK domestic commercial 2.9% + £0.30 verified Official
Australia domestic commercial 2.9% + A$0.30 verified Official
India international receiving 4.4% + ₹3.00 verified Official
US micropayments 4.99% + $0.09 verified Official

Square

Square rates in fee data 2026.11.07
Schedule Rate Status Verified Source
US Free plan – online / invoice 3.3% + $0.30 verified Official
US Plus/API – online 2.9% + $0.30 verified Official
US in-person tap/chip/swipe 2.6% + $0.15 verified Official
US manually keyed 3.5% + $0.15 verified Official
UK cards online 1.4% + £0.25 verified Official
UK non-UK cards online 2.5% + £0.25 verified Official
Australia online / card-not-present 2.2% verified Official

Venmo

Venmo rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Venmo Business Profile 1.9% + $0.10 verified Official
Goods & Services (personal) 2.99% verified Official
Instant transfer to debit/bank 1.75% verified Official

Cash App

Cash App rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Cash App for Business 2.6% + $0.15 verified Official
Instant deposit (mid-range est.) 1.5% estimated Official

Zelle

Zelle rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Standard Zelle (most banks) 0% verified Official

Patreon

Patreon rates in fee data 2026.11.07
Schedule Rate Status Verified Source
New creators (10% platform + processing est.) 12.9% + $0.30 estimated Official
Legacy Founders (5% + processing est.) 7.9% + $0.30 estimated Official
Legacy Pro (8% + processing est.) 10.9% + $0.30 estimated Official
Legacy Pro + Merch (11% + processing est.) 13.9% + $0.30 estimated Official

Ko-fi

Ko-fi rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Free plan – one-time tips (platform only) 0% verified Official
Free plan – one-time tips (with Stripe est.) 2.9% + $0.30 estimated Official
Standard mode – tips (platform + processing est.) 7.9% + $0.30 estimated Official
Ko-fi Gold – tips (processing est.) 2.9% + $0.30 estimated Official
Shop / memberships / commissions (free plan est.) 7.9% + $0.30 estimated Official

Buy Me a Coffee

Buy Me a Coffee rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Standard (platform + Stripe + payout est.) 8.4% + $0.30 estimated Official
Memberships (platform + Stripe + sub + payout est.) 8.9% + $0.30 estimated Official

Gumroad

Gumroad rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Direct sales (10% + $0.50 + processing est.) 12.9% + $0.80 estimated Official
Gumroad platform fee only 10% + $0.50 verified Official
Gumroad Discover marketplace 30% verified Official

Shopify Payments

Shopify Payments rates in fee data 2026.11.07
Schedule Rate Status Verified Source
Basic plan – online 2.9% + $0.30 verified Official
Grow plan – online 2.7% + $0.30 verified Official
Advanced plan – online 2.5% + $0.30 verified Official
Plus plan – online 2.25% + $0.30 verified Official
Third-party gateway fee (Basic) 2% verified Official

Wise

Wise rates in fee data 2026.11.07
Schedule Rate Status Verified Source
USD → GBP (estimate, unverified) 0.43% + $0.50 unverified Official
USD → EUR (estimate, unverified) 0.41% + $0.50 unverified Official
GBP → USD (estimate, unverified) 0.37% + £0.40 unverified Official
AUD → USD (estimate, unverified) 0.45% + A$0.70 unverified Official

Unverified rates

These schedules could not be confirmed automatically (for example JS-rendered pages) and remain flagged until a manual check: