What are Payhip's fees?
·Founder, Stakk
·
9 October 2026
·
7 min read
Payhip has three plans, and they differ only in the fee. Free Forever costs $0 a month and takes 5% of each sale, Plus costs $29 a month and takes 2%, and Pro costs $99 a month and takes nothing. Stripe or PayPal charge their own processing on top of every plan, and Payhip adds no payout fee because the money never sits with Payhip. Checked 30 September 2026.
Every plan gets every feature, so the only real question is which one costs you least at the level you sell. Two numbers answer that, and both are worked out below.
How much does each Payhip plan cost?
Payhip's pricing page lists three plans. Each one comes with "All features", unlimited products and unlimited revenue, and the page says outright that there is "no feature-gating" even on the free plan. The monthly fee buys a lower percentage and nothing else.
| Plan | Monthly | Platform fee | Card processing |
|---|---|---|---|
| Payhip Free Forever | $0 | 5% | Stripe or PayPal, on top |
| Payhip Plus | $29 | 2% | Stripe or PayPal, on top |
| Payhip Pro | $99 | 0% | Stripe or PayPal, on top |
| Stakk | $0 | 10% + $0.50 | Included |
Stakk is in the table for comparison, and it is not the cheap row. More on that further down.
You can cancel at any time and there is no card needed to sign up. Payhip's pricing page shows no annual discount and no trial on the paid plans, and I have not assumed either.
Does Payhip charge card processing on top?
Yes, on every plan. Payhip's FAQ answers the question directly: PayPal and Stripe "will still charge at their standard rates", and that "applies for all plans". Payhip's percentage is its own cut, not an all-in price.
For a US seller on Stripe, the standard rate is 2.9% + $0.30 on a domestic card, per Stripe's pricing page, plus 1.5% more on an international card. So a $20 sale costs:
- Free: $1.00 to Payhip and $0.88 to Stripe, $1.88 in total.
- Plus: $0.40 to Payhip and $0.88 to Stripe, $1.28, on top of the $29 month.
- Pro: just the $0.88 to Stripe, on top of the $99 month.
The fixed $0.30 is what bites on cheap products. On a $5 sale the free plan comes to about $0.70 in total, and $0.30 of that is Stripe's fixed charge, more than Payhip's own $0.25.
PayPal sales pay PayPal's rate instead. Payhip works with 13 payment processors, and in most cases you connect PayPal plus one other for cards, so the processing line depends on which ones you pick.
When is Payhip Plus or Pro worth paying for?
Plus starts costing less than the free plan once your monthly sales pass about $967, and Pro starts costing less than Plus once they pass $3,500. Below $967 a month, the free plan is the cheapest of the three.
Our arithmetic on Payhip's published rates. Card processing is the same on every plan, so it drops out of the comparison.
The working is short. Plus saves you 3 points of fee in exchange for $29, and 3% of $967 is $29. Pro saves you 2 more points than Plus in exchange for $70 more a month, and 2% of $3,500 is $70. The break-even for going straight from free to Pro is $1,980 a month, but at that level Plus is cheaper than both, so the two thresholds above are the ones that matter.
The catch is that sales move month to month and plans are billed whether you sell or not. A plan chosen for your best month costs you in a quiet one.
Are any features locked to Payhip's paid plans?
No. That is the unusual thing about Payhip's pricing. Its FAQ says you will get access to all of its features "even on our free plan", and the three plan cards list the same things.
So the free plan carries the same tools as Pro: courses, memberships, coaching, the cross-sell that appears in the cart before payment, and the upgrade discount offered after checkout. Payhip's own help center describes that upgrade discount as prompting the buyer to "make another transaction", so it is a second checkout rather than a one-click upsell against the saved card.
Payhip's marketplace works the same way. There is no extra fee on a marketplace sale, only your usual plan rate, and a store becomes eligible once it has $10 in total sales and passes a review.
Does Payhip hold your money or charge to pay you out?
No to both. Payhip's FAQ says it will "deposit your sales to you immediately after a transaction has been completed". The buyer pays into a processor account you connected yourself, so nothing sits in a Payhip balance and there is no Payhip payout to charge a fee for or to set a minimum on.
Your processor's own payout schedule applies from there, which you manage in your own Stripe or PayPal account. That puts Payhip in the pay-you-directly column in our comparison of who holds your money, alongside Stakk.
Does Payhip charge extra to handle VAT and sales tax?
Not as a separate line. Payhip's pricing page lists no tax charge, and says it collects and remits EU VAT and UK VAT on your behalf automatically. Since 1 July 2026 it has also handled US sales tax as a marketplace facilitator, and its US sales tax article answers the cost question with "Nothing at all." Canadian GST/HST and PST moved over on the same date, with Quebec's QST still pending while Payhip registers.
Outside those places Payhip lets you set up other taxes and reports them to you, rather than paying them on your behalf.
That is a real difference from Stakk, and it cuts Payhip's way. On Stakk the charge runs through your own Stripe account and you are the seller, so sales tax is yours to deal with, not ours.
When would I send you somewhere else?
On a plain $20 card sale, Payhip's free plan costs $1.88 and Stakk costs $2.50, so if the fee is what you are comparing, Stakk is the wrong choice and Payhip is the better one. Two platforms go lower still. Whop charges 2.7% + $0.30 on a domestic card with no monthly costs, which is $0.84 on that sale before its small per-transaction fraud fees. Systeme.io takes 0% on its free plan, which leaves only your card processor.
Stakk is also the wrong choice if you want someone else to handle sales tax, which Payhip does free in the places above. And Stakk has no memberships, no subscriptions, no course hosting and no call booking, no prices above $999 and no currency other than US dollars, and it needs a Stripe account. If you need any of those, Payhip already has them on its free plan.
Want a one-click upsell on top?
Payhip's cart cross-sell is a good order bump, and its free plan is cheaper than us. What it does not have is a post-purchase upsell the buyer accepts with one tap. Stakk runs an order bump and a post-purchase upsell on every account, with nothing behind a higher tier. The bump rides the same charge as the product, so it carries one fee rather than two, and the upsell is one tap against the card already on file, charged as its own sale at the same rate. 10% + $0.50 a sale with card processing included, no monthly fee, and the money lands in your own Stripe account. That layout came out of funnels that ran for agency clients before Stakk existed.