What PAID costs on your volume
Card payments through Stripe, charged on your own Stripe account, are the only payment method PAID offers. You pay Stripe's processing fees to Stripe. PAID's fee, 1% per payment plus 10¢ only on payments over $20, the same on every plan, comes on top, with the plan's monthly fee. So PAID always costs more than Stripe alone. This page shows how much more, and what it pays for.
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PAID charges on your own Stripe account, so Stripe's fees are the same with or without PAID. PAID always costs more than Stripe alone: its fee and the plan, on top.
| Fee | A month | A year |
|---|---|---|
| Stripe's processing fees 2.9% + 30¢ × 625, paid to Stripe | $1,637.50 | $19,650.00 |
| PAID's fee, 1% of your volume | $500.00 | $6,000.00 |
| PAID's fee, 10¢ × 625 payments over $20 | $62.50 | $750.00 |
| Starter plan | $0.00 | $0.00 |
| Total | $2,200.00 | $26,400.00 |
| Added to Stripe alone | +$562.50 | +$6,750.00 |
Stripe's rate here is its standard published US card rate, paid to Stripe directly. Your actual Stripe rate depends on your Stripe account; PAID's fee is the same either way.
The Starter plan includes
- Hosted checkout
- Flat 1% on card payments through Stripe
- Self-serve API keys
- Webhook delivery + signing
- Standard dispute handling
Growth adds $499 a month for the rest of its list on the pricing page.
What the fee pays for
A hash-chained ledger
Every financial event is hash-chained and append-only. Reconciliation reads the chain against the processor's statement, hourly. How the ledger works
Hosted checkout
Hosted checkout and Stripe Elements keep card data out of your servers, so your PCI scope stays small.
Signed webhooks
Every event is signed with your webhook secret (HMAC-SHA256), with automatic retries, exponential backoff and a dead-letter queue.
One dashboard
Provider health, fraud signals, settlement timing and disputes in one place.
Self-serve
API keys in minutes. No sales call to integrate or to test in live mode.
How it is worked out
Every number above comes from one small module of pure functions, in whole cents, with unit tests. It compares PAID with one thing: Stripe alone, the fees you would pay without PAID.
Show the formula and the rates
The formula
payments = volume ÷ average payment, rounded (at least 1) payments over $20 = payments × your share over $20, rounded Stripe = volume × 2.9% + payments × 30¢ (paid to Stripe) PAID's fee = volume × 1% + payments over $20 × 10¢ plan = $0 (Starter) or $499 (Growth) a month total = Stripe + PAID's fee + plan effective rate = total ÷ volume added to Stripe = PAID's fee + plan (never below zero) a year = a month × 12
The rates
- Stripe: 2.9% + 30¢ per card payment, Stripe's standard published US card rate, paid to Stripe directly. Your actual Stripe rate depends on your Stripe account.
- PAID: 1% of every payment, plus 10¢ on each payment over $20.00, on every plan (pricing).
- Plans: Starter $0 a month, Growth $499 a month.
The assumptions
- The 10¢ applies to the share of payments over $20. With one average, the calculator starts by counting every payment as over $20 when the average is over $20, and none when it is $20 or less. If your payment sizes vary, set the real share.
- Percentages are worked out on the month's total, in whole cents, so a statement that rounds each payment can differ by a few cents.
- Card payments only: PAID offers no other payment method, so the calculator models no other.
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