Enter your monthly recurring revenue (MRR), current payment service provider (PSP), and average payment acceptance rate. The calculator combines this information with data from thousands of Paddle customers to estimate how much potential revenue you’re currently leaving on the table. 

We look at churn, payment acceptance, chargeback rates, tooling costs, and engineering overhead to assess what you carry today and how we’d change that for you.

We use a 29% recovery rate even though some customers see more, a 90% acceptance benchmark rather than a best case, and your true effective rate rather than your headline rate. The goal is a number you can take to your CFO and defend, not one you have to caveat.

Paddle routes transactions across a large network of acquiring banks and adapts in real time to geography, card type, local acquiring availability, and real-time payment performance. This means Paddle customers expect an acceptance rate of around 90%. If your current rate is lower, the calculator applies the gap to your annual revenue. The math is your annual recurring revenue (ARR) multiplied by the difference between 90% and your current acceptance rate.

Paddle’s smart dunning software identifies subscriptions that are about to lapse and retries them intelligently. The calculator estimates the amount of revenue saved based on a 29-30% decrease in churn. That 29% is the average churn reduction that Paddle customers see. Some customers do better, for example Codeway recovered around $500,000 dollars in failed payments, but we use a conservative estimate to generate a realistic average.

Calculations depend on the payment service provider you currently use.

If you currently use Stripe or another PSP, the calculator adds up four things on top of processing fees: engineering time spent on billing, finance and compliance time, monthly spend on tax and fraud tooling, and chargeback liability. Overhead is converted to annual cost using US salary benchmarks of $180,000 for engineering and $120,000 dollars for finance. It then compares your true all-in rate against Paddle's flat 5% transaction fee.

If you use Stripe with Stripe Managed Payments (SMP), the comparison is simpler. SMP already handles compliance, so we do not claim the overhead savings. Instead we show the rate stack: Stripe processing, the SMP add-on, and Stripe Billing add up to roughly 6.4% before international and foreign exchange surcharges, against Paddle's 5%.

Your invoice only shows processing fees. Your real cost of payments also includes the engineers maintaining billing, the finance time spent on tax and reconciliation, the tax and fraud tools you pay for monthly, and the chargebacks you eat. The calculator adds those back in to show your effective all-in rate, which is usually well above the headline number you see from your processor.

Paddle’s 5% fee covers payments processing, global tax registration and remittance, fraud screening, chargeback liability, billing infrastructure, and smart dunning software. There is no separate line for billing, fraud add-on, or tax provider tools to stack on top.

The projection grows your current-year impact on a growing revenue base - the numbers grow as your business scales. Growth rates come from SaaS Capital's 2025 benchmarks by ARR tier: 40% under 1 million dollars, 25% from 1 to 5 million, 20% from 5 to 20 million, and 15% above that. Year three applies 70% growth endurance, based on Bessemer research, and recovered revenue compounds at 105% net revenue retention. 

These estimates show the shape of the opportunity over time. Better acceptance and lower overhead apply to more revenue each year, so the absolute gains grow even if the underlying rates stay flat. And retained customers keep renewing, which adds up.

Stripe is a payment service provider, which means they process payment but you stay responsible for collecting and remitting tax, handling chargebacks, maintaining billing, and managing churn in every market you sell in. Paddle is a Merchant of Record (MoR), which means we become the seller of record on your transactions and take on payments, global tax, fraud, chargebacks, and compliance under one agreement and one rate. You sell. We handle the rest.

Our revenue impact calculator compares fees against Stripe to show the direct cost difference between the PSP and our MoR model.

There are three reasons Paddle customers often quote when explaining why they switched: 

1. Tax gets harder as you grow because Stripe processes payments but does not take on tax liability, which means compliance load grows with every new market. 
2. Acceptance rates are higher because Paddle routes across many acquiring banks, so payments that might decline on Stripe often clear with us. 
3. And the stack gets expensive once you add billing, fraud tooling, a tax provider or add-on like Stripe Managed Payments, and the engineering time to keep it all running.

Each one helps us fulfill our purpose to help vendors capture more revenue, take on fewer costs, and carry less risk.

Most businesses go live in days, not weeks. HubX migrated from Stripe in just 12 days. Dometrain implemented Paddle in 2 hours. We have an API, a no-code checkout option, and a team of experts who are dedicated to migrating your business seamlessly to Paddle. 

You can test every change in our sandbox environment first, and go live without affecting any of your customers. Learn more about switching to Paddle.