Merchant of Record Fee Comparison
Compare merchant-of-record checkout fees side by side and see your net payout for any revenue profile — computed entirely in your browser.
At a glance
Merchant-of-Record Fee Comparison is a free, client-side calculator that computes MoR platform fees and net payout from the revenue figures and rates you enter. Compare Paddle, Lemon Squeezy, FastSpring, Gumroad and Payhip side by side to see fees, net payout and effective rate instantly — no signup, no uploads.
100% Private Fee Math
Your revenue figures and rates are calculated locally in your browser. Nothing is uploaded, stored or tracked.
Amounts are only formatted, never converted; the fee math is currency-neutral. Average transaction size: $50.00.
Platform rates (editable example rates)
| Merchant of record | Rate % | Fixed fee / transaction |
|---|
Every rate above starts as an illustration so the tool works out of the box. Overwrite each row with the percentage and fixed fee listed on that platform's pricing page, then compare.
Fee comparison for your inputs
| Platform | Rate | Total fee | Net payout | Effective |
|---|
How fees are calculated
Fee = volume x rate/100 + transactions x fixed fee. Net payout = volume - fee. Effective rate = fee / volume x 100. No vendor prices are fetched or stored; every number above comes from the inputs on this page and the illustration defaults are labeled as such.
Why Use This Merchant of Record Fee Comparison?
How to Use Merchant of Record Fee Comparison
Enter your monthly volume and transaction count
Type your gross monthly revenue and how many transactions it represents; the calculator derives the average transaction size.
Set each platform's rate
Replace the labeled illustration rate in each row with the percentage and fixed fee that platform lists on its own pricing page.
Compare fee, net payout and effective rate
The matrix computes each platform's fee and net payout for your profile and ranks them by total fee — the lowest effective rate is cheapest for those inputs.
Worked example: $5,000 across 100 transactions at an illustration rate
The calculator applies fee = volume × rate ÷ 100 + transactions × fixed, then net = volume − fee. Every figure is calculated from the labeled inputs.
Monthly volume: $5,000 Transactions: 100 Illustration rate: 5% + $0.50 per transaction (illustration numbers only — replace with your platform's published rate)
Fee: $300.00 ($250.00 percentage + $50.00 fixed) Net payout: $4,700.00 Effective rate: 6.00% of volume
Technical Specifications & Engine Details
| Specification | Details |
|---|---|
| Fee model compared | Percentage per transaction + fixed fee per transaction |
| Platforms in the matrix | Paddle, Lemon Squeezy, FastSpring, Gumroad and Payhip (rates entered by you) |
| Formula | fee = volume × rate ÷ 100 + transactions × fixed; net payout = volume − fee |
| Rate source | Vendor pricing pages — you enter them; built-in defaults are labeled illustrations, not vendor quotes |
| Execution mode | 100% client-side in-browser; zero server uploads, no account required |
100% Client-Side Privacy Guarantee
Your revenue figures and rates remain strictly on your local device. Zero data is transmitted to external servers.
Frequently Asked Questions
What is a merchant of record fee?
How do I calculate the effective MoR fee rate?
Does this tool show current Paddle or Lemon Squeezy prices?
What does net payout mean for merchant of record platforms?
Which merchant of record is cheapest?
Is the MoR fee calculator free and private?
Methodology
Fee = volume × rate ÷ 100 + transactions × fixed; net = volume − fee; effective rate = fee ÷ volume × 100. Rates vary by plan, so the calculator uses only the values you enter.
Last updated .