Stripe is the cheapest platform. It's also the least transparent about your real net.

Stripe shows you transactions. It doesn't show you your combined net after processing fees, international surcharges, currency conversion spreads, and multi-platform income from everywhere else.

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Stripe's 2.9% plus $0.30 is the advertised rate for domestic card transactions. It is straightforward, competitive, and significantly lower than platforms like Gumroad (10% + processing) or Patreon (5-12% + processing). For domestic-only, single-currency sellers, Stripe's fee is close to what you see in the dashboard. But most Stripe sellers do not fit that profile.

International cards trigger an additional 1.5% cross-border fee. This applies whenever the card is issued in a different country from your Stripe account, regardless of what currency the customer pays in. On a $100 international sale, that is $1.50 on top of the $3.20 standard fee. The cross-border fee does not appear as a separate line item in Stripe's default dashboard view. It is folded into the total fee for that transaction.

Currency conversion adds another spread. Stripe's FX fee is approximately 1% above mid-market rate. If you are receiving payouts in a currency different from what customers paid in, a second conversion occurs at payout time. On a $1,000 international sale, those additional layers can add $25-40 in fees that do not appear as separate line items in Stripe's dashboard. They show up as a slightly smaller payout than you expected.

Stripe's read-only API gives Owelet access to exact gross_amount, fee_amount, and net_amount per transaction. This is the same data Stripe itself uses for your payout calculations. When we pull this data, we can show you the exact fee breakdown on every charge: the base rate, the cross-border fee, the currency conversion cost, and the net you actually received. Stripe has this data internally but does not surface all of it in their standard dashboard.

The $15 chargeback fee is another cost that surprises sellers. When a customer disputes a charge, Stripe immediately deducts $15 from your balance plus the full disputed amount. If the dispute is resolved before the card network files it, or if you win the dispute, the chargeback fee may be returned depending on your account terms. But in the meantime, the $15 is gone from your available balance and affects your cash flow.

Stripe's 2-business-day rolling payout cycle means there is always a gap between when money arrives and when you see it. New accounts may experience longer holds. If you are also earning from Gumroad (weekly payouts), Ko-fi (instant payouts), or Patreon (monthly processing), each platform delivers money on a different schedule with different delays. Your actual available cash on any given day is not the sum of your platform dashboards.

For sellers using Stripe alongside other platforms, the aggregation problem is real. Stripe shows net per transaction. Gumroad shows gross. Lemon Squeezy bundles MOR tax handling into its numbers. Patreon shows pledges. Without a single normalized view, you are comparing numbers that were calculated differently, displayed differently, and paid out on different timelines. Owelet normalizes all of it into one consistent format: gross, fees, net, per transaction, across every platform.

Stripe is typically the lowest-fee option in any multi-platform setup. But knowing exactly how much lower requires seeing the actual numbers side by side with correct math applied to each. Owelet shows your effective Stripe rate alongside your Gumroad rate, your Ko-fi rate, and every other connected platform, so you can see where your fees are actually going and whether shifting volume between platforms would change your bottom line.

Assumes all domestic US card transactions at $50 average (2.9% + $0.30). International cards add 1.5% cross-border fee. Currency conversion adds approximately 1%. Your effective rate on international sales is typically 4.7-5.5%.

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Stripe's rate is 2.9% plus $0.30. Your real rate depends on where your customers are.

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