1. Adapty
free until thresholdMobile subscriptions with paywall optimization
Fees 5/5 — Free up to $10k MTR, then 1% of revenue.
Ease 4/5Fees 5/5Conv 5/5
Best if:ios, android, react native, flutter
Best Low-Fee Payment Platforms (1970)
Payment platforms ranked by fee competitiveness. Score 4+ on the fees benchmark.
16 tools matched
Why it matters
A 2-point difference in fee percentage compounds to thousands per month at scale. Pick the lowest-fee option that still covers your tax, conversion, and integration needs.
2. Qonversion
free until thresholdMobile subscription analytics and infrastructure
Fees 5/5 — Free up to $10k MTR, then 0.6% on Starter.
Ease 4/5Fees 5/5Conv 2/5
Best if:ios, android, react native, flutter
3. Polar
percentageOpen-source monetization for developers
Fees 5/5 — 4% + $0.40 per transaction (lowest MoR fees on the market).
Ease 5/5Fees 5/5Conv 2/5MoR
Best if:indie dev, open source, developers, digital products
4. Lago
open sourceOpen-source metering and usage-based billing
Fees 5/5 — Self-hosted: free. Cloud: from $100/month.
Ease 2/5Fees 5/5Conv 1/5
Best if:saas, ai apps, usage based, open source
5. Ghost
flat monthlyOpen-source publishing with built-in paid memberships
Fees 5/5 — Self-hosted: free. Ghost(Pro): from $18/month. 0% platform fee on memberships..
Ease 3/5Fees 5/5Conv 3/5
Best if:newsletters, blogs, memberships, indie creators
6. Kill Bill
open sourceOpen-source subscription billing and payments
Fees 5/5 — Open source: free (self-hosted). Cloud: from $250/month..
Ease 1/5Fees 5/5Conv 1/5
Best if:open source, self hosted, enterprise, usage based
7. Apphud
free until thresholdiOS subscriptions with win-back automation
Fees 4/5 — Free plan available, Pro from $39/month.
Ease 4/5Fees 4/5Conv 3/5
Best if:ios
8. Lemon Squeezy
percentagePayments, subscriptions and MoR for indie SaaS
Fees 4/5 — 5% + $0.50 per transaction. Acquired by Stripe 2024..
Ease 5/5Fees 4/5Conv 2/5MoR
Best if:saas, indie dev, digital products, license keys
9. Stripe Billing
percentageSubscription billing with full developer control
Fees 4/5 — Pay-as-you-go: 0.7% of billing volume. Or from €500/month (pay monthly, up to €80k volume/mo, 1-year contract, 0.67% beyond). Plus standard Stripe payment processing (1.5%+€0.25 EU cards)..
Ease 2/5Fees 4/5Conv 2/5
Best if:saas, b2b, developers, enterprise
10. Payhip
freemiumSell digital products and memberships
Fees 4/5 — Free: 5% fee. Plus $29/mo: 2%. Pro $99/mo: 0%.
Ease 5/5Fees 4/5Conv 2/5
Best if:ebooks, templates, courses, memberships
11. Whop
percentageSell communities, courses, and software access
Fees 4/5 — 3% platform + Stripe fees (~5.7–7.2% all-in).
Ease 4/5Fees 4/5Conv 3/5
Best if:communities, courses, memberships, discord access
12. Beehiiv
flat monthlyNewsletter platform with paid subscriptions and ad network
Fees 4/5 — Free Launch plan. Scale $43/mo. Max $96/mo. Enterprise: custom. 0% platform fee on paid subscriptions..
Ease 5/5Fees 4/5Conv 4/5
Best if:newsletters, creators, paid subscriptions, ad monetization
13. MemberPress
flat annualWordPress membership and subscription plugin
Fees 4/5 — Basic $179/year. Plus $299/year. Pro $399/year..
Ease 4/5Fees 4/5Conv 3/5
Best if:wordpress, memberships, courses, content paywalls
14. Easy Digital Downloads
flat annualSell digital products on WordPress
Fees 4/5 — Personal $99/year. Extended $199/year. Professional $299/year..
Ease 4/5Fees 4/5Conv 2/5
Best if:wordpress, digital products, ebooks, software
15. Thinkific
freemiumCreate and sell online courses and memberships
Fees 4/5 — No free plan. Basic $49/mo ($36/mo annual). Start $74/mo. Grow $149/mo. 0% transaction fee..
Ease 4/5Fees 4/5Conv 3/5
Best if:courses, memberships, creators, coaching
16. Recharge
freemiumSubscription management for ecommerce
Fees 4/5 — Standard: free + 1.25% + $0.19/transaction. Pro: $499/mo + 0% transaction..
Ease 3/5Fees 4/5Conv 3/5
Best if:ecommerce, shopify, physical products, subscriptions
Quick comparison
| Tool | Pricing | MoR | A/B | Ease | Fees |
|---|---|---|---|---|---|
| Adapty | Free up to $10k MTR, then 1% of revenue | — | Yes | 4/5 | 5/5 |
| Qonversion | Free up to $10k MTR, then 0.6% on Starter | — | — | 4/5 | 5/5 |
| Polar | 4% + $0.40 per transaction (lowest MoR fees on the market) | Yes | — | 5/5 | 5/5 |
| Lago | Self-hosted: free. Cloud: from $100/month | — | — | 2/5 | 5/5 |
| Ghost | Self-hosted: free. Ghost(Pro): from $18/month. 0% platform fee on memberships. | — | — | 3/5 | 5/5 |
| Kill Bill | Open source: free (self-hosted). Cloud: from $250/month. | — | — | 1/5 | 5/5 |
| Apphud | Free plan available, Pro from $39/month | — | — | 4/5 | 4/5 |
| Lemon Squeezy | 5% + $0.50 per transaction. Acquired by Stripe 2024. | Yes | — | 5/5 | 4/5 |
| Stripe Billing | Pay-as-you-go: 0.7% of billing volume. Or from €500/month (pay monthly, up to €80k volume/mo, 1-year contract, 0.67% beyond). Plus standard Stripe payment processing (1.5%+€0.25 EU cards). | — | — | 2/5 | 4/5 |
| Payhip | Free: 5% fee. Plus $29/mo: 2%. Pro $99/mo: 0% | — | — | 5/5 | 4/5 |
| Whop | 3% platform + Stripe fees (~5.7–7.2% all-in) | — | — | 4/5 | 4/5 |
| Beehiiv | Free Launch plan. Scale $43/mo. Max $96/mo. Enterprise: custom. 0% platform fee on paid subscriptions. | — | Yes | 5/5 | 4/5 |
| MemberPress | Basic $179/year. Plus $299/year. Pro $399/year. | — | — | 4/5 | 4/5 |
| Easy Digital Downloads | Personal $99/year. Extended $199/year. Professional $299/year. | — | — | 4/5 | 4/5 |
| Thinkific | No free plan. Basic $49/mo ($36/mo annual). Start $74/mo. Grow $149/mo. 0% transaction fee. | — | — | 4/5 | 4/5 |
| Recharge | Standard: free + 1.25% + $0.19/transaction. Pro: $499/mo + 0% transaction. | — | — | 3/5 | 4/5 |
Our pick
Adapty — the lowest fees in this filter. Mobile subscriptions with paywall optimization.
Find your full monetization stack
Answer 3 questions and get a personalized recommendation.
Answer 3 questions→