Fees

3.9% + $0.50 per successful transaction.

3.9% + $0.50 per successful transaction

No monthly fees. No setup costs. Pay only when you make sales.

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Fee Schedule

Successful Transactions

The rate depends on the payment method:

Payment method	Percentage	Fixed
Cards & digital wallets	3.9%	$0.50
WeChat Pay	3.9%	— (no fixed fee)

Example (card):

Sale (tax inclusive): $100
Fee: $100 × 3.9% + $0.50 = $4.40
You receive: $95.60

Example (WeChat Pay):

Sale (tax inclusive): $100
Fee: $100 × 3.9% = $3.90
You receive: $96.10

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Failed Transactions

Failed transaction fees apply only to specific failure types. They are not cumulative.

Failure Type	Fee	Notes
Failed authentication (3DS)	$0.30 / attempt	Card declined at the 3DS authentication stage
Authentication passed but authorization failed	$0.30 / attempt	Cleared 3DS but declined at authorization
Did not reach authentication	$0	3DS was never initiated — no fee charged

Failed transaction fees are charged per attempt, not per checkout session. Sessions that never trigger 3DS authentication are free.

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Refunds

Item	Fee
Refund processing	$1.00 per refund
Original transaction fee	Not returned

The $1.00 refund fee is charged per refund request. The original 3.9% + $0.50 transaction fee is not refunded regardless of whether the refund is full or partial.

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Payouts

Item	Fee
Payout fee	1% of payout amount
Minimum fee	$10.00 per payout request

Payout fees are charged per payout request, not per transaction. The minimum $10.00 applies even if 1% of the payout amount is less than $10.

Example:

Payout: $500
Fee: $500 × 1% = $5.00 → minimum applies → $10.00
Pancake sends: $490.00

Payout: $2,000
Fee: $2,000 × 1% = $20.00
Pancake sends: $1,980.00

The amount that actually lands in your account is determined by your receiving bank. Intermediary bank fees, FX conversion, and bank posting rules can create differences.

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Chargebacks

Event	Fee
First chargeback	$25.00
Representment (re-filing)	$10.00
Pre-arbitration	$25.00

The representment fee of $10.00 is only charged if you opt in to contest the chargeback and we actually file on your behalf.

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What’s Included

All of the following are included at no additional charge:

Feature	Included
Payment processing	✓
Global tax compliance	✓
Tax calculation & collection	✓
Tax remittance	✓
All major card networks	✓
Dashboard	✓
Consumer Portal	✓
Webhooks & API	✓
Fraud protection	✓

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Subscriptions with Trial Periods

For 7-day trial subscriptions, the first billing cycle may result in a net loss of approximately $0.50 — this covers the cost of a $0 authorization check performed at trial start.

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vs Alternatives

Competitor pricing is based on publicly available information and may change. FastSpring does not publish rates — pricing is negotiated directly. Always verify on their official pricing pages.

Provider	Transaction Fee	Monthly
Waffo Pancake	3.9% + $0.50	$0
Paddle	5% + $0.50	$0
Lemon Squeezy	5% + $0.50	$0
Gumroad	~10%	$0
FastSpring	Not published (contact sales)	$0

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FAQ

Are there minimum fees?

No monthly minimum. You only pay fees when transactions occur.

What counts as a failed transaction fee?

Once 3DS authentication is triggered, $0.30 / attempt applies — whether authentication itself fails or the card clears 3DS and then fails at authorization. Sessions that never reach authentication (customer leaves before 3DS) are free.

Is the original transaction fee refunded when I issue a refund?

No. The 3.9% + $0.50 fee is non-refundable. An additional $1.00 refund processing fee applies per refund request.

Subscription billing fees?

Same 3.9% + $0.50 per successful renewal. No extra subscription management charges.