# What we found verifying processors' pricing pages

Title: What we found verifying processors' pricing pages

Description: Patterns from building the first pricing dataset, on November 9, 2026. Read November 9, 2026. Source pages linked. Compared with Stripe. No invented rates.

The dataset started from provider pages, not from other comparison sites. A few patterns were consistent enough to write down. PayPal Checkout is 3.49% + $0.49. PayPal's standard card row is 2.99% + $0.49. Square Free online is 3.3% + $0.30, and Square's online API rate is 2.9% + $0.30.

## Why is one cell per logo wrong?

PayPal Checkout is 3.49% + $0.49. PayPal's standard card row is 2.99% + $0.49. Square Free online is 3.3% + $0.30, and Square's online API rate is 2.9% + $0.30. Shopify's online rate moves with the plan, and premium cards are a different row. A table with one cell per logo is how those gaps disappear.

## Why is a floor not a price?

Stripe's Radar line says "starting at." Frame's card line says "from," and Frame says the rate depends on risk. Putting Frame's floor next to Stripe's standard rate would make Frame look cheaper than the rate a business is charged. The floor stays in the profile and stays out of the calculator.

## Which processors have no public rate?

Adyen, Checkout.com, Worldpay, Stax's subscription, and every platform payfac in the directory are quoted. Publishing a number from a 2024 roundup would have made the table look finished. It would have been false.

## Where do the add-on percents live?

Lemon Squeezy's homepage is 5% + $0.50. The fees document adds international, PayPal, and subscription percentages. Paddle's pricing page, on the day we read it, did not itemize those. Similar headlines, different contracts.

## Which date is on the schedule?

PayPal dates its merchant schedule 4 November 2026. Braintree's fee page says May 7, 2026. Helcim's US disclosure says last updated 2 February 2026, effective 1 April 2026. Our verified date is the day we read the page, November 9, 2026. Both dates matter, and the provider's page is the one a contract will follow.

## What was left blank on purpose?

What we refused to fill: nonprofit discounts we did not see, Billing and Identity prices the Stripe extract did not state cleanly, and any industry-acceptance claim that was not on the provider's site.

## Questions

### Why is one cell per logo wrong?

PayPal Checkout is 3.49% + $0.49. PayPal's standard card row is 2.99% + $0.49. Square Free online is 3.3% + $0.30, and Square's online API rate is 2.9% + $0.30. Shopify's online rate moves with the plan, and premium cards are a different row. A table with one cell per logo is how those gaps disappear.

### Why is a floor not a price?

Stripe's Radar line says "starting at." Frame's card line says "from," and Frame says the rate depends on risk. Putting Frame's floor next to Stripe's standard rate would make Frame look cheaper than the rate a business is charged. The floor stays in the profile and stays out of the calculator.

### Which processors have no public rate?

Adyen, Checkout.com, Worldpay, Stax's subscription, and every platform payfac in the directory are quoted. Publishing a number from a 2024 roundup would have made the table look finished. It would have been false.

### Where do the add-on percents live?

Lemon Squeezy's homepage is 5% + $0.50. The fees document adds international, PayPal, and subscription percentages. Paddle's pricing page, on the day we read it, did not itemize those. Similar headlines, different contracts.

### Which date is on the schedule?

PayPal dates its merchant schedule 4 November 2026. Braintree's fee page says May 7, 2026. Helcim's US disclosure says last updated 2 February 2026, effective 1 April 2026. Our verified date is the day we read the page, November 9, 2026. Both dates matter, and the provider's page is the one a contract will follow.

### What was left blank on purpose?

What we refused to fill: nonprofit discounts we did not see, Billing and Identity prices the Stripe extract did not state cleanly, and any industry-acceptance claim that was not on the provider's site.

## Sources

Last verified November 9, 2026.

- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Monthly pricing and policy changes](/blog/monthly-changes.md)
- [Payfac, gateway, acquirer, or merchant of record](/blog/payfac-gateway-acquirer-merchant-of-record.md)
- [Why processors close accounts after you start processing](/blog/why-processors-close-accounts.md)
- [Flat rate versus interchange-plus](/blog/flat-rate-vs-interchange-plus.md)
- [What telehealth companies need from a payment processor](/blog/telehealth-payment-processing.md)
- [Payments explainers](/blog.md)
- [Stripe alternatives directory](/index.md)
- [Stripe pricing and US card fees](/alternatives/stripe.md)