# Paddle Fees 2026: 5% + 50¢ per Sale, Payouts and Extras

> Paddle charges 5% + 50¢ per sale with no monthly fee. Payouts can add a $15 wire fee and up to 1.5% conversion. The full cost, with an example.

Source: https://agentaos.ai/answers/paddle-fees (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

[Home](https://agentaos.ai/)/[Answers](https://agentaos.ai/answers)/Paddle fees

Fees compared

# 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%. Paddle pays out once a month, from the 1st, when your balance passes \$100, by wire or Payoneer. 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.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, [featured on Indie Hackers](https://www.indiehackers.com/post/tech/starting-from-scratch-and-hitting-9-5k-mrr-in-two-months-j5pMaED5FEbKw8qmeyj9). Checked 20 October 2026. General information, not financial, tax or legal advice.

[Paddle fee calculator: fees and payout costs](https://agentaos.ai/tools/paddle-fee-calculator) · [Compare what you keep](https://agentaos.ai/compare)

[Check your country](https://agentaos.ai/countries)[Get started free](https://app.agentaos.ai/?src=answer-paddle-fees)

The fees

## 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](https://www.paddle.com/pricing), [Paddle payout fees](https://www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts).

> “No monthly fees, migration fees, or hidden extras”
>
> Source: [Paddle pricing](https://www.paddle.com/pricing)

All-in, first year

## 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](https://agentaos.ai/compare). 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.

Beyond the fee

## What else should I *compare*?

- **What you sell**Paddle is built for software and prohibits pure services such as coaching or consulting. AgentaOS accepts service packages.
- **Where you live**Paddle accepts sellers widely; check how payouts reach you, since a SWIFT wire costs \$15 each time.

Where AgentaOS fits

## Where does *AgentaOS* fit?

Selling services, or a SaaS outside the US and EU? [Card payments for services](https://agentaos.ai/answers/take-card-payments-for-services).

Change how you sell. Grow revenue 4×.

Answer 3 questions and get a free audit of your price and checkout, from the founder. Free, in 2 working days.

[Get my free audit →](https://agentaos.ai/apply?src=seo-answers-paddle-fees)

Questions

## Related *questions*

### What are Paddle's payout fees?

Free by SEPA in euros or ACH in US dollars when the payout currency matches your bank's country. A SWIFT wire costs \$15 when it doesn't, and currency conversion can cost up to 1.5%. Paddle pays out once a month from the 1st when your balance passes \$100, by wire or Payoneer. On ten \$100 sales, after the 5% + 50¢ sale fee, \$930 to \$945 reaches your bank. Source: [Paddle payout fees](https://www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts).

### When does Paddle pay out?

Once a month. Paddle starts payouts on the 1st of each month when your balance is over the minimum, \$100 by default (or the GBP or EUR equivalent, and you can raise it). A lower balance rolls over to the next month. Payouts go by wire transfer or Payoneer and can take up to 3 working days to arrive. Source: [Paddle, when and how do I get paid](https://www.paddle.com/help/manage/get-paid/when-and-how-do-i-get-paid).

### Which countries does Paddle support for sellers?

Most countries. Paddle works with software businesses almost everywhere except sanctioned countries and regions, such as Afghanistan, Cuba, Iran, North Korea, Syria, Venezuela, Russia and Belarus. Check Paddle’s current list before you sign up, since it changes. Source: [Paddle supported countries](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle).

### Does Paddle charge a monthly fee?

No.

### Is there a cheaper Paddle plan?

High-volume businesses can ask for custom pricing.

Keep reading

## Related

[What does Creem charge? Creem fees explained](https://agentaos.ai/answers/creem-fees)[AgentaOS vs Paddle](https://agentaos.ai/paddle-alternative)[How do I take card payments for coaching, consulting or design?](https://agentaos.ai/answers/take-card-payments-for-services)

Sources: [Paddle pricing](https://www.paddle.com/pricing) · [Paddle payout fees](https://www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts) · [Paddle: what you cannot sell](https://www.paddle.com/help/start/intro-to-paddle/what-am-i-not-allowed-to-sell-on-paddle)

## Merchant of Record directory

Every provider’s fees, read on its own price page. Pick one, or see them all in one table.

- [All side by side](https://agentaos.ai/merchant-of-record-fees)
- [Supported countries](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)
- [Paddle 5% + \$0.50](https://agentaos.ai/answers/paddle-fees)
- [Lemon Squeezy 5% + \$0.50](https://agentaos.ai/answers/lemon-squeezy-fees)
- [Polar from 5% + \$0.50](https://agentaos.ai/answers/polar-fees)
- [Dodo Payments 4% + \$0.40](https://agentaos.ai/answers/dodo-payments-fees)
- [Creem 3.9% + \$0.40](https://agentaos.ai/answers/creem-fees)
- [Gumroad 10% + \$0.50](https://agentaos.ai/answers/gumroad-fees)
- [Whop from 2.7% + \$0.30](https://agentaos.ai/answers/whop-fees)
- [Stripe 2.9% + \$0.30, not a MoR](https://agentaos.ai/answers/stripe-fees)