{
 "publisher": "Marginrule pricing workbook",
 "dataset": "channel-fee-presets",
 "as_of": "2026-11-14",
 "currency": "USD",
 "region": "US-based sellers, US buyers, domestic cards",
 "scope": "Fees shown are for US-based sellers selling to US buyers with domestic cards. Platform fees and card processing only. Sales tax, VAT, shipping, ads (such as Etsy Offsite Ads), currency conversion and monthly plan fees are not included in profit. If you enter a buyer sales tax rate, processing is charged on the tax-inclusive total for channels flagged true or unverified.",
 "verify": "Confirm each rate on the platform's own fee page (the sources on each row) before quoting it. Platforms change fees without notice.",
 "units": "Fields ending in _rate are fractions (0.065 means 6.5%). Fields ending in _pct are percents (6.5 means 6.5%). Money fields are USD.",
 "tax_rule": "processing_on_tax_inclusive_total. true means the source page says processing is charged on a total that includes sales tax. false means the source says it is not. unverified means no primary source settled it, and the math treats it as true, which is the safer assumption for keeping your margin. Platform percentage fees are charged on the price before tax for every preset here.",
 "price_floor_usd": 1.0,
 "price_floor_note": "Assumed sensible minimum price, not a platform rule. Answers below it are raised to it with a warning. Per-platform minimum prices were not verified on 2026-11-14.",
 "rounding": "Each fee component is rounded to the cent, half away from zero. This is the sheet's rule. No platform page read on 2026-11-14 states its own rounding rule, so a result can differ by a cent from a platform statement. Status assumed.",
 "field_notes": {
  "status": "sourced = the rate was read on a source page; assumed = our working assumption, not read on a source page",
  "evidence": "direct = page opened and read on the accessed date (by Mina or Elenchus); search-index-copy = the official page blocked the fetch and the text came from a search index copy; not-rechecked = carried over from an earlier check",
  "accessed": "date the rate was last read (YYYY-MM-DD)",
  "monthly_fee": "plan fee per month in USD when billed monthly. Not used in per-sale math",
  "platform_rate": "platform percentage fee as a fraction of the price before tax",
  "processing_rate": "card processing percentage as a fraction, only when processing_included is true",
  "processing_on_tax_inclusive_total": "true, false or unverified. See tax_rule",
  "tax_base_evidence": "where the tax-base flag comes from and when it was read",
  "sale_types": "online, digital_download, in_person. Comparisons for digital products leave out channels without digital_download",
  "monthly_fee_annual_billing": "plan fee per month in USD when billed yearly, where the source gives one"
 },
 "default_processor": {
  "id": "card-processor-default",
  "label": "Card processor (default for channels that add your own processor)",
  "processing_rate": 0.029,
  "processing_fixed": 0.3,
  "status": "sourced",
  "evidence": "direct",
  "accessed": "2026-11-14",
  "sources": [
   "https://stripe.com/pricing"
  ],
  "notes": "Stripe standard US rate for domestic cards, 2.9% + 30c per successful transaction. Manually entered cards add 0.5%, international cards add 1.5%, and currency conversion adds 1% more (stripe.com/pricing, confirmed by Elenchus 2026-11-14). PayPal Checkout is a separate preset in processor_presets."
 },
 "processor_presets": [
  {
   "id": "stripe",
   "label": "Stripe standard US card rate",
   "processing_rate": 0.029,
   "processing_fixed": 0.3,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://stripe.com/pricing"
   ],
   "notes": "Stripe standard US rate for domestic cards, 2.9% + 30c per successful transaction. Manually entered cards add 0.5%, international cards add 1.5%, and currency conversion adds 1% more (stripe.com/pricing, confirmed by Elenchus 2026-11-14). PayPal Checkout is a separate preset in processor_presets."
  },
  {
   "id": "paypal-checkout",
   "label": "PayPal Checkout or Guest Checkout (US, domestic)",
   "processing_rate": 0.0349,
   "processing_fixed": 0.49,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "source_page_updated": "2026-11-04",
   "sources": [
    "https://www.paypal.com/us/business/paypal-business-fees"
   ],
   "notes": "PayPal US merchant fees page, last updated 2026-11-04, read 2026-11-14 (research/PRICE_MODEL_MONEYMAN.md section 8). PayPal Checkout and PayPal Guest Checkout (card without a PayPal account) are both 3.49% + $0.49 for a USD receipt; Payhip redirects buyers to PayPal, so this is the rate that applies there. Not used: the 2.99% + $0.49 Standard Credit and Debit Card rate that Payhip's help page quotes, because Payhip's flow is a PayPal Checkout redirect. Currency conversion spreads (3% or 4%) are not included. PayPal doesn't return its fee on a refund, and a dispute costs $15."
  },
  {
   "id": "paypal-checkout-international",
   "label": "PayPal Checkout, international buyer",
   "processing_rate": 0.0499,
   "processing_fixed": 0.49,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "source_page_updated": "2026-11-04",
   "sources": [
    "https://www.paypal.com/us/business/paypal-business-fees"
   ],
   "notes": "PayPal Checkout 3.49% plus the 1.50% international commercial fee (buyer and seller in different markets), plus $0.49 for a USD receipt. Same source and date as the PayPal Checkout preset. PayPal Checkout and PayPal Guest Checkout (card without a PayPal account) are both 3.49% + $0.49 for a USD receipt; Payhip redirects buyers to PayPal, so this is the rate that applies there. Not used: the 2.99% + $0.49 Standard Credit and Debit Card rate that Payhip's help page quotes, because Payhip's flow is a PayPal Checkout redirect. Currency conversion spreads (3% or 4%) are not included. PayPal doesn't return its fee on a refund, and a dispute costs $15."
  }
 ],
 "processor_presets_note": "Processors you can pick for channels that add your own processor (Payhip, Ko-fi, Custom). Stripe is the default in the site and MCP. Gumroad, Etsy, Shopify, Notion and Square charge their own processing, which is already in their presets.",
 "channels": [
  {
   "id": "etsy",
   "channel": "Etsy",
   "platform_rate": 0.065,
   "platform_fixed": 0,
   "listing_fee": 0.2,
   "processing_included": true,
   "processing_rate": 0.03,
   "processing_fixed": 0.25,
   "processing_on_tax_inclusive_total": true,
   "tax_base_evidence": "help.etsy.com 115015628847, opened directly 2026-11-14 (Elenchus): processing is taken from the total including any applicable sales tax.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://help.etsy.com/hc/en-us/articles/115015628847-What-are-Payment-Processing-Fees-for-Selling-on-Etsy",
    "https://help.etsy.com/hc/en-us/articles/115014483627",
    "https://help.etsy.com/hc/en-us/articles/360035902374"
   ],
   "notes": "US shop with Etsy Payments. 6.5% transaction fee on the item price plus shipping and gift wrap (not sales tax). $0.20 listing fee, counted once per sale; that fits a digital download that renews after each sale or has auto-renew on (assumption, Etsy 360035902374). 3% + $0.25 processing \"taken from the item's total sale price, including its shipping fees, and any applicable sales tax\". This preset uses the item price with no shipping. Offsite Ads (15%, or 12% for shops with $10,000+ in sales in 365 days, capped at $100 per order) are not included. Elenchus round 1 opened this page directly on 2026-11-14 (review/ELENCHUS_ROUND1.md)."
  },
  {
   "id": "shopify-basic",
   "channel": "Shopify Basic",
   "platform_rate": 0,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0.029,
   "processing_fixed": 0.3,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Shopify Help Center documents the third-party transaction fee base as products minus discounts plus tax plus shipping (help.shopify.com third-party-transaction-fees, search copy 2026-11-14). For the Shopify Payments card rate only a staff answer in the Shopify Community says it is charged on the total processed. No help page read today states it, so unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": 29,
   "monthly_fee": 39,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://www.shopify.com/pricing"
   ],
   "notes": "Shopify Payments standard online card rate on Basic. Basic costs $39 a month billed monthly or $29 a month billed yearly (not included per sale). Premium cards 3.5% + $0.30, international cards add 1%, third-party payment providers add 2%. Confirmed by Elenchus 2026-11-14."
  },
  {
   "id": "payhip-free",
   "channel": "Payhip Free plan",
   "platform_rate": 0.05,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": false,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Payhip collects US sales tax as marketplace facilitator and lets the seller add it on top or include it (help.payhip.com/article/392-us-sales-tax, read 2026-11-14). Buyers pay into the seller's Stripe or PayPal, and Stripe charges per transaction amount, but no page read today says whether the tax passes through that charge. Unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://payhip.com/pricing"
   ],
   "notes": "5% Payhip transaction fee. PayPal or Stripe charge their standard rates on top, so your own processor rate is added."
  },
  {
   "id": "payhip-plus",
   "channel": "Payhip Plus",
   "platform_rate": 0.02,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": false,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Payhip collects US sales tax as marketplace facilitator and lets the seller add it on top or include it (help.payhip.com/article/392-us-sales-tax, read 2026-11-14). Buyers pay into the seller's Stripe or PayPal, and Stripe charges per transaction amount, but no page read today says whether the tax passes through that charge. Unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 29,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://payhip.com/pricing"
   ],
   "notes": "2% Payhip transaction fee on the $29 a month plan (monthly fee not included). Your processor rate is added."
  },
  {
   "id": "payhip-pro",
   "channel": "Payhip Pro",
   "platform_rate": 0,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": false,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Payhip collects US sales tax as marketplace facilitator and lets the seller add it on top or include it (help.payhip.com/article/392-us-sales-tax, read 2026-11-14). Buyers pay into the seller's Stripe or PayPal, and Stripe charges per transaction amount, but no page read today says whether the tax passes through that charge. Unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 99,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://payhip.com/pricing"
   ],
   "notes": "0% Payhip transaction fee on the $99 a month plan (monthly fee not included). Your processor rate is added."
  },
  {
   "id": "gumroad-direct",
   "channel": "Gumroad direct",
   "platform_rate": 0.1,
   "platform_fixed": 0.5,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0.029,
   "processing_fixed": 0.3,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Gumroad is merchant of record and adds tax on top of the listed price (gumroad.com/help/article/121-sales-tax-on-gumroad, search copy 2026-11-14). Its fee page says \"10% + $0.50 fee + sales tax per transaction\", which doesn't settle the base. Two third-party guides say the 10% is on the listed price. The platform fee here uses the listed price. The card processing base is unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://gumroad.com/help/article/66-gumroads-fees"
   ],
   "notes": "Sales on Gumroad's website through your own link or profile. 10% + $0.50 Gumroad fee plus 2.9% + $0.30 card processing. Above $20,000 of paid sales in a calendar month, new direct sales that month are 5% + $0.50 (not modelled). PayPal fees differ. On a refund Gumroad returns its own fee and keeps the processing part (Gumroad fee page)."
  },
  {
   "id": "gumroad-discover",
   "channel": "Gumroad Discover",
   "platform_rate": 0.3,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Gumroad is merchant of record and adds tax on top of the listed price (gumroad.com/help/article/121-sales-tax-on-gumroad, search copy 2026-11-14). Its fee page says \"10% + $0.50 fee + sales tax per transaction\", which doesn't settle the base. Two third-party guides say the 10% is on the listed price. The platform fee here uses the listed price. The card processing base is unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://gumroad.com/help/article/66-gumroads-fees"
   ],
   "notes": "Sales through Gumroad's marketplace (Discover). Flat 30%, which includes all processing fees."
  },
  {
   "id": "ko-fi-shop",
   "channel": "Ko-fi Shop",
   "platform_rate": 0.05,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": false,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Ko-fi's fee page does not say how sales tax interacts with PayPal or Stripe fees. Not found on 2026-11-14. Unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://help.ko-fi.com/hc/en-us/articles/360002506494"
   ],
   "notes": "5% Ko-fi service fee on shop sales in both Free and Standard modes. PayPal or Stripe fees are on top (Ko-fi says usually around 3% + $0.30), so your processor rate is added. Ko-fi Gold has its own rules, check Ko-fi's page."
  },
  {
   "id": "notion-marketplace",
   "channel": "Notion Marketplace",
   "platform_rate": 0.08,
   "platform_fixed": 0.4,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0,
   "processing_fixed": 0,
   "processing_on_tax_inclusive_total": "unverified",
   "tax_base_evidence": "Notion's page says processing is included in the 8% + $0.40 but does not state the tax base. Unverified.",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://www.notion.com/help/selling-on-marketplace"
   ],
   "notes": "\"8% fee plus 40 cents per transaction ... including payment processing\". Notion is merchant of record. Sellers outside the US pay 1% more for currency conversion. Elenchus round 1 opened this page directly on 2026-11-14 (review/ELENCHUS_ROUND1.md)."
  },
  {
   "id": "square-online",
   "channel": "Square online",
   "platform_rate": 0,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0.033,
   "processing_fixed": 0.3,
   "processing_on_tax_inclusive_total": true,
   "tax_base_evidence": "Square US help 5068: \"Payment processing fees are taken out of the total amount of each transaction, including tax and tip\" (squareup.com/help/us/en/article/5068-what-are-square-s-fees, search copy 2026-11-14).",
   "sale_types": [
    "online",
    "digital_download"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://squareup.com/us/en/payments/our-fees",
    "https://squareup.com/help/us/en/article/5068-what-are-square-s-fees"
   ],
   "notes": "Square Free plan, card payments made online or through an invoice. 3.3% + $0.30."
  },
  {
   "id": "square-in-person",
   "channel": "Square in person",
   "platform_rate": 0,
   "platform_fixed": 0,
   "listing_fee": 0,
   "processing_included": true,
   "processing_rate": 0.026,
   "processing_fixed": 0.15,
   "processing_on_tax_inclusive_total": true,
   "tax_base_evidence": "Square US help 5068: \"Payment processing fees are taken out of the total amount of each transaction, including tax and tip\" (squareup.com/help/us/en/article/5068-what-are-square-s-fees, search copy 2026-11-14).",
   "sale_types": [
    "in_person"
   ],
   "monthly_fee_annual_billing": null,
   "monthly_fee": 0,
   "status": "sourced",
   "evidence": "direct",
   "accessed": "2026-11-14",
   "sources": [
    "https://squareup.com/us/en/payments/our-fees",
    "https://squareup.com/help/us/en/article/5068-what-are-square-s-fees"
   ],
   "notes": "Square Free plan, card tapped, dipped or swiped. 2.6% + $0.15. In person only, so it is left out of digital-product comparisons by default."
  }
 ]
}