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Starting from a $65 average transaction and the card mix typical for online stores.
Order values vary enormously in ecommerce, and the fixed fee behaves very differently across that range — which is why a single headline rate tells you almost nothing.
Paydude surcharges Amex at +0.3%
Excluding Amex, counted above
Stripe surcharges these; Paydude does not
Take these shares from a real statement rather than estimating. Card mix moves the answer more than the headline rate does, which is the entire reason this calculator asks for it.
Paydude is cheaper here at any card mix — even if every single transaction were on a surcharged card, the base rate difference would still cover it.
Annual saving at other Amex + premium shares
Excludes chargeback and dispute fees, where Paydude charges $12 against a $15–$25 norm. Those depend on your dispute rate rather than your volume, so they are left out of the comparison above.
Physical goods also carry higher dispute rates and thinner margins than software, so each chargeback costs more relative to profit.
| Fee | Effective rate | |
|---|---|---|
| Stripe 2.9% + 30¢ | $2.19 | 3.36% |
| Paydude 2.6% + 25¢ | $1.94 | 2.98% |
Those figures exclude card-mix surcharges, which the calculator above does model. Set your own volume, ticket size and card mix and the link updates, so you can share the result.
Dispute costs matter more here than in software — see the chargeback cost calculator.
GOOD QUESTIONS
At a typical $65 average transaction, a standard 2.9% + 30¢ rate works out at 3.36% once the fixed fee is included. Paydude publishes 2.6% + 25¢, which at the same ticket is 2.98%. Your real figure depends on card mix, which the calculator above models.
If your store is on Shopify, Shopify Payments usually wins regardless of rate because of the third-party gateway fee. For a custom-built store, compare on effective rate at your real average order value.
The fixed per-transaction fee. A quoted percentage describes only one component; the flat fee on top is a larger share of a small sale than a large one. Divide total fees by total volume on a real statement to see the true figure.
More than the headline rate does. Amex, corporate and premium cards cost more to accept everywhere; some providers surcharge them explicitly and others fold the cost into a higher base rate. International cards add 1–1.5% at most providers. Enter your own shares above rather than accepting the defaults.