What does Paddle charge? Paddle fees explained
The problem“Paddle says 5% + 50 cents. What do I actually receive in my bank?”
5% + $0.50 per sale, with no monthly fee. Payouts are free in matching currency by SEPA or ACH, but a SWIFT wire costs $15 when your payout currency differs from your bank’s country, and conversion can cost up to 1.5%. On ten $100 sales, $930 to $945 reaches your bank. All-in, a first year at €2,000 a month is about €2,085, time included.
What are all of Paddle’s fees?
| Fee | Paddle |
|---|---|
| Per sale | 5% + $0.50 |
| Monthly | $0 |
| SEPA (EUR) or ACH (USD) payout | Free |
| SWIFT wire payout | $15 when the currency differs from your bank’s country |
| Currency conversion | Up to 1.5% |
| Products under $10 | Bespoke pricing on request |
Sources: Paddle pricing, Paddle payout fees.
“No monthly fees, migration fees, or hidden extras”
Source: Paddle pricing
What does Paddle cost all-in, against AgentaOS and Creem?
| First year, all-in | Paddle | AgentaOS | Creem |
|---|---|---|---|
| Card and payout fees | €1,800 | €1,725 | €1,357 |
| Subscription billing | Included | Included | Included |
| Tax registration and filing abroad | Included | Included | Included |
| Company and accountant | Not needed | Not needed | Not needed |
| Your time | 9.5h · €285 | 9.5h · €285 | 9.5h · €285 |
| Total first year | €2,085 | €2,010 | €1,642 |
First year, selling €2,000 a month (€50 average, half the buyers abroad, subscriptions). Your time (setup, invoicing, tax and bookkeeping each month) valued at €30 an hour. Sources: each provider’s pricing page; company and accountant costs from Stripe Atlas, the State of Delaware, e-resident.gov.ee and enty.io, as on our cost calculator. Without the $15 SWIFT fee (SEPA/ACH payouts): €360 less.
Honestly: tax, invoices and filings are included with all three, so the difference is fees and payouts. Paddle’s flat 5% beats the AgentaOS free plan on international cards; its $15 SWIFT payouts cost more if you are outside SEPA or ACH.
Doing it yourself with Stripe and a US company costs about €5,957 all-in in the first year.
What else should I compare?
- What you sellPaddle is built for software and prohibits pure services such as coaching or consulting. AgentaOS accepts service packages.
- Where you livePaddle accepts sellers widely; check how payouts reach you, since a SWIFT wire costs $15 each time.
Where does AgentaOS fit?
Selling services, or a SaaS outside the US and EU? Card payments for services.
Related questions
Does Paddle charge a monthly fee?
No.
Is there a cheaper Paddle plan?
High-volume businesses can ask for custom pricing.
Can you sell from your country?
Pick your country. See how you get paid, what it costs and which platforms work there.
86 countries, checked 6 October 2026No company needed