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WooCommerce Payment
Gateway Fees Calculator

Compare transaction fees across Stripe, PayPal, Mollie, Razorpay, WooPayments, Paystack and more — side by side. Enter an amount and see exactly what each WooCommerce gateway takes and what you keep.

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Card type
Currency conversion

Gateway Rate applied Fee You keep Effective

Fee comparison

lower is better

Estimates only. Rates were researched May 2026 from each provider's official pricing and reflect standard published rates. Your actual fee varies by country, card type, payment method, volume, and negotiated pricing. Verify with your provider before relying on these figures.

Keep more of every sale

Three Ways to Cut Payment Fees

01

Default to your cheapest domestic gateway

Offer your lowest-cost processor (often Stripe, WooPayments, or Mollie) as the default, and keep pricier wallets like PayPal as a secondary option for shoppers who want them.

02

Push annual billing

Every charge carries a fixed fee. Billing a subscriber once a year instead of monthly means one fixed fee instead of twelve — and far less exposure to failed-payment churn.

03

Stop paying to lose customers

Failed renewals quietly cost you the fees you already paid to acquire that customer. Smart retries and dunning recover those payments automatically — which is exactly what WPSubscription does.

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Glossary

Key Terms Explained

Plain-English definitions for the payment concepts behind these fees.

Payment Gateway

The service that securely processes and authorizes payments between customers and merchants.

Recurring Payment

A transaction that automatically repeats at a fixed interval without the customer re-authorizing each charge.

Failed Payment

A subscription renewal charge that was declined by the payment gateway or the customer's bank.

Chargeback

A disputed transaction where the customer's bank reverses the charge after they file a complaint.

3D Secure (3DS / 3DSv2)

A bank-driven authentication step that verifies the cardholder is the one making the purchase.

Subscription Billing

A business model where customers pay at regular intervals for ongoing access to a product or service.

How-to Guides

Set Up Your Payment Gateway

Step-by-step instructions for connecting Stripe, PayPal, and recurring payments in WooCommerce.

How to Integrate Stripe with WooCommerce Subscriptions

Connect Stripe to WPSubscription for reliable recurring billing, webhooks, and payment recovery.

6 steps

How to Set Up PayPal Subscriptions in WooCommerce

Enable PayPal recurring billing for WooCommerce subscriptions using WPSubscription.

6 steps

How to Set Up Recurring Payments in WooCommerce

Connect your payment gateway and configure automatic billing schedules for subscription products.

6 steps

Frequently Asked Questions

How accurate are these payment gateway fees?
These rates were researched in May 2026 directly from each provider's official pricing pages and are the standard, publicly published rates. Your actual fee can differ based on your country, card type (consumer vs commercial, domestic vs international), payment method, monthly volume, and any custom or negotiated pricing. Always confirm with your provider before relying on a number — use this tool as a fast, well-sourced estimate, not a quote.
Which is the cheapest payment gateway for WooCommerce?
It depends on where you and your customers are. For domestic card payments, Stripe, WooPayments, and Mollie tend to be the lowest in the US, UK, and EU; PayPal usually costs more per transaction but adds reach. In India, Razorpay and PayU are the standard at ~2% + GST. In Nigeria, Paystack and Flutterwave lead with capped local fees. Run your typical order value through the calculator above and sort by "You keep" to see the cheapest option for your situation.
Why does PayPal cost more than Stripe?
PayPal bundles a consumer wallet, buyer protection, and broad brand trust into its pricing, which is why its headline rate (e.g. 3.49% + $0.49 for PayPal Checkout in the US) is higher than Stripe's 2.9% + $0.30. Many stores offer both: Stripe/WooPayments as the low-cost default for cards, and PayPal as an option for shoppers who prefer it. The extra conversions PayPal brings can outweigh its higher fee.
Do these fees include international and currency-conversion charges?
You can toggle them. Switch the card type to "International" to apply each gateway's cross-border surcharge, and tick the currency-conversion option to add the conversion fee where the provider charges one (e.g. Stripe and WooPayments add ~1%). Domestic, single-currency transactions are always the cheapest.
How can I reduce payment processing fees on my subscription store?
Three high-impact levers: (1) route customers to your lowest-cost domestic gateway by default and offer pricier wallets as secondary options; (2) push annual billing — one transaction a year incurs one fixed fee instead of twelve; and (3) cut involuntary churn with smart retries and dunning so you stop paying to re-acquire customers lost to failed payments. WPSubscription handles the retry, dunning, and renewal automation that protects the revenue these fees are charged against.

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