Payment processing fees by method
One row per tier or payment method: the percentage fee, that tier's own fixed fee, and the effective fee on a $100 transaction (percentage + fixed), cheapest first.
Payment methods differ: compare like with like (cards vs ACH vs wallets). Each row is one tier or method; the fixed fee is that tier's own per-transaction fee.
| Category | |||||||
|---|---|---|---|---|---|---|---|
| Scale | Kinde | 0.5% | unlisted | $0.50 | Auth | 2026-10-23 | |
| Plus | Kinde | 0.6% | unlisted | $0.60 | Auth | 2026-10-23 | |
| Free | Kinde | 0.7% | unlisted | $0.70 | Auth | 2026-10-23 | |
| Pro | Kinde | 0.7% | unlisted | $0.70 | Auth | 2026-10-23 | |
| 1 | ACH Services | PayPal | 0.8% | unlisted | $0.80 | Payments | 2026-10-24 |
| 2 | Pay by Bank - US (United States) | Adyen | 0.6% | $0.40 | $1 | Payments | 2026-10-24 |
| 3 | Pay With Crypto | PayPal | 1.5% | unlisted | $1.50 | Payments | 2026-10-24 |
| 4 | ACH direct debit transactions (same day ACH) | Braintree | 1.5% | $0.10 | $1.60 | Payments | 2026-10-24 |
| 5 | PayPal Point of Sale | PayPal | 2.29% | $0.09 | $2.38 | Payments | 2026-10-24 |
| 6 | QR code Transactions | PayPal | 2.29% | $0.09 | $2.38 | Payments | 2026-10-24 |
| 7 | UnionPay | Adyen | 3% | unlisted | $3 | Payments | 2026-10-24 |
| 8 | Cards and digital wallets (standard merchants) | Braintree | 2.89% | $0.29 | $3.18 | Payments | 2026-10-24 |
| 9 | Advanced Credit and Debit Card Payments | PayPal | 2.89% | $0.29 | $3.18 | Payments | 2026-10-24 |
| 10 | Cash App Pay (United States) | Adyen | 2.9% | $0.30 | $3.20 | Payments | 2026-10-24 |
| 11 | Standard | Stripe | 2.9% | $0.30 | $3.20 | Payments | 2026-10-24 |
| 12 | Payments Advanced | PayPal | 2.89% | $0.49 | $3.38 | Payments | 2026-10-24 |
| 13 | Payments Pro | PayPal | 2.89% | $0.49 | $3.38 | Payments | 2026-10-24 |
| 14 | Virtual Terminal | PayPal | 3.39% | $0.29 | $3.68 | Payments | 2026-10-24 |
| 15 | Scale | Polar | 3.4% | $0.30 | $3.70 | Payments | 2026-10-24 |
| 16 | JCB | Adyen | 3.75% | unlisted | $3.75 | Payments | 2026-10-24 |
| 17 | Zip Pay (United States) | Adyen | 3.5% | $0.30 | $3.80 | Payments | 2026-10-24 |
| 18 | Diners | Adyen | 3.95% | unlisted | $3.95 | Payments | 2026-10-24 |
| 19 | Discover | Adyen | 3.95% | unlisted | $3.95 | Payments | 2026-10-24 |
| 20 | Growth | Polar | 3.6% | $0.35 | $3.95 | Payments | 2026-10-24 |
| 21 | Venmo | Braintree | 3.49% | $0.49 | $3.98 | Payments | 2026-10-24 |
| 22 | PayPal Checkout | PayPal | 3.49% | $0.49 | $3.98 | Payments | 2026-10-24 |
| 23 | Pro | Polar | 3.8% | $0.40 | $4.20 | Payments | 2026-10-24 |
| 24 | Standard Plan | Dodo Payments | 4% | $0.40 | $4.40 | Payments | 2026-10-24 |
| 25 | Afterpay (USA & Canada) | Adyen | 4.99% | $0.30 | $5.29 | Payments | 2026-10-24 |
| 26 | Pay-as-you-go | Paddle | 5% | $0.50 | $5.50 | Payments | 2026-10-24 |
| 27 | Starter | Polar | 5% | $0.50 | $5.50 | Payments | 2026-10-24 |
Fee on $100 = percentage of $100 plus the fixed fee, in USD. "+" marks a model whose price changes with volume; the standard band is shown. Hover a verified badge for the freshness sentence. A price we could not source is "unlisted", never estimated.