Compare Stripe, Paddle, Lemon Squeezy, and PayPal fees side by side. Enter your monthly revenue → see exact fees, effective rate, and net revenue.
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True cost comparison — raw fees only, excluding tax handling.
| Processor | Rate | Fixed fee | Tax handling | MoR | $10K MRR fee |
|---|---|---|---|---|---|
| StripeLOWEST RATE | 2.9% | $0.30 | You handle (Stripe Tax extra) | No | ~$350 |
| PayPal | 3.49% | $0.49 | You handle | No | ~$447 |
| Paddle | 5% | $0.50 | Handled (global VAT) | Yes | ~$600 |
| Lemon Squeezy | 5% | $0.50 | Handled (global VAT) | Yes | ~$600 |
A Merchant of Record (MoR) is the legal entity that processes payment and handles all tax obligations globally. Paddle and Lemon Squeezy collect VAT/sales tax in 100+ countries automatically. Stripe requires you to use Stripe Tax ($0.50 per transaction) or handle tax yourself.
Paddle's 5% beats Stripe at MRR above ~$15K when adding Stripe Tax ($0.50/tx) and accounting for international card fees (1.5% extra). Below $15K MRR: Stripe is cheaper. Above $15K MRR with global customers: Paddle or Lemon Squeezy saves tax headaches.
At raw fee level yes (2.9% vs 5%). But adding Stripe Tax ($0.50/tx for VAT), international card fees (1.5%), and chargeback costs puts the break-even at $12–18K MRR. Below that Stripe is cheaper; above that Paddle is often cheaper total.
A Merchant of Record (MoR) is the legal entity that processes payment and handles all tax obligations. Paddle and Lemon Squeezy are MoRs — they collect VAT/sales tax globally. Stripe is not a MoR; you are responsible for tax compliance.
Yes, Stripe supports Turkey. You can accept TRY payments and international cards. Note: Stripe Tax applies for VAT in EU countries. Turkish customers paying in TRY may incur FX conversion fees.
Both are Merchant of Record platforms at 5% + $0.50. Lemon Squeezy is newer with a simpler UI and stronger developer experience. Paddle has been around longer with more enterprise features. Both handle global VAT automatically.