Compare · Doing it yourself vs AgentaOS

What does it really cost to take payments yourself?

The card fee is the small part. Doing it yourself means a company, an accountant, a tax tool and your own VAT filings in every country you sell to. Where Stripe is not available, you first open a company remotely, in the US or in the EU. Here is the full first-year bill, with every source.

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First-year estimate at published prices on 2 October 2026. Card, billing and tax-tool fees use each provider’s public price list. Company and accounting costs are the cheapest common option. Your time is our estimate: setup (company, bank, gateway and checkout) plus monthly work (matching payouts, invoices, documents for the accountant, tax returns abroad, disputes). A local bank gives a card gateway to registered companies only, so it is not an option for individuals. Set your hour to €0 to see money only. Stripe converts currency at 1% (US account receiving euros) or 2% (Estonian account receiving dollars); AgentaOS pays you in the currency you charge. Not included on any route: income or profit tax, payout costs, disputes. Sources ↓

Sources

  • AgentaOS fees: docs.agentaos.ai/mor/pricing; dispute fee €35 flat per dispute (refunds and disputes). Pay as you go 4.5% + €0.50 per card sale, +1.5% on cards issued outside the EEA. Pro €49/month, 4.0% + €0.40, +1.5% on cards issued outside the EEA. The +1.5% is waived for the Founding 30 through 31 December 2026.
  • Stripe US: 2.9% + 30¢, +1.5% international cards, Billing 0.7%, Tax 0.5% (stripe.com/pricing, stripe.com/tax/pricing). Stripe Atlas $500 setup (stripe.com/atlas). Delaware LLC tax $400 a year (corp.delaware.gov). Disputes $15, plus $15 to respond. Form 5472 filing from $299 a year (form5472.tax); bookkeeping and filing packages $899 to $1,999 a year (llcuniversity.com).
  • Stripe Estonia: 1.5% + €0.25 standard EEA cards, 3.15% + €0.25 international cards, Billing 0.7%, Tax 0.5%, disputes €20 plus €20 to respond (stripe.com/ee/pricing). e-Residency €150 (e-resident.gov.ee). Company registration €265 and legal address about €300 a year (enty.io). E-commerce accounting €110 to €195 a month (enty.io).
  • Local bank: example rates from one European bank, e-commerce fees from 2% to 3% at one bank and up to 6% at another, plus a monthly fee; we use 3% for cards from abroad, plus 1% for currency conversion because payments are charged in local currency, published 2023 (ecommerce4all.mk). One-off gateway setup 3,100 denars (≈€50) at one bank, monthly fee up to 500 denars + VAT. Business account 500 dinars a month (≈€51 a year) at one bank (raiffeisenbank.rs tariff for small businesses). Fees are negotiated per bank. Payments are charged in local currency. Local company registration about €60 and an accountant from about €100 a month (otvorifirmu.rs, bizinfo.rs). VAT tool for sales abroad from $41 a month (quaderno.io/pricing), filing costs not included.
  • Stripe is only available in a listed set of countries. Sellers elsewhere open a company remotely, in the US or in the EU, for example Estonia (stripe.com/global).

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