Stripe Fee
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Payment processing fees consist of two components: a percentage of the transaction plus a flat fee per transaction. Stripe's standard rate is 2.9% + $0.30 for US domestic cards. This means on a $100 sale, you pay $2.90 (percentage) + $0.30 (flat fee) = $3.20 total, netting you $96.80. The flat fee becomes proportionally more expensive for low-price products — on a $10 sale, that $0.30 represents 3% of the transaction, bringing your effective rate to 5.9%.

Why the percentage model exists: Card networks (Visa, Mastercard) and issuing banks take a cut of every transaction as "interchange fees." Payment processors like Stripe add their own margin on top. This system exists because credit card transactions involve risk (fraud, chargebacks) and infrastructure (secure processing, compliance, data handling). The processor is betting that legitimate transactions will outnumber fraudulent ones and provide enough margin to be profitable.

Volume discounts become available as your processing volume increases. Stripe's standard rate applies up to about $80,000/month in volume. Beyond that, you can negotiate custom pricing — often dropping to 2.4-2.6% + $0.30 for high-volume businesses. At $1M+/month, some businesses negotiate down to 1.9% + $0.20 or lower. However, these custom rates require direct relationships and typically yearly commitments. For most indie developers and small businesses, standard rates apply.

International fees add complexity. Cross-border transactions (selling from the US to a European customer) typically add 1-1.5% to your fee. Currency conversion adds another 1-2% depending on the provider. If you're selling globally, these fees compound quickly — a 2.9% + $0.30 transaction might become 4.4% + $0.30 for international sales. Some platforms like Paddle handle this better by becoming the merchant of record and dealing with local payment methods and tax compliance, though they charge higher base rates.

Hidden costs matter too: Some platforms charge for failed payments, subscription management, customer portal access, or advanced reporting. Stripe includes these features in the base pricing, but Paddle and FastSpring include tax handling and compliance in their higher rates. When comparing platforms, calculate total cost of ownership, not just transaction fees.

Payment processing is solved. Stripe, Paddle, Lemon Squeezy — there are plenty of options for accepting payments. But payment processing alone doesn't grow your business. You still need to find customers, convert visitors, optimize your pricing, and stay ahead of competitors.

The real gap for most software businesses isn't payment infrastructure — it's growth infrastructure. You know you should be A/B testing your pricing page, writing SEO content, analyzing where users drop off, and monitoring competitors. But there's never enough time. These tasks pile up on the todo list and never get done.

This is what Revnu solves. AI agents handle the growth work automatically. Connect your GitHub repo, merge one PR, and AI starts working on your site: A/B testing headlines, CTAs, pricing, and layout. Writing SEO content targeting your competitors' keywords. Analyzing session replays to find conversion killers. Auditing your site for issues. Monitoring competitor pricing and positioning.

The ROI is straightforward. Setting up these tools separately costs $500-1000/month: Optimizely for A/B testing ($49-199/mo), SEMrush for SEO ($99-299/mo), Hotjar for session replays ($49-99/mo), SimilarWeb for competitor research ($49-149/mo), plus a content writer ($500-2000/mo). Revnu replaces all of them with pricing tailored to your business, running 24/7 without configuration or management overhead.

When Revnu makes sense: If you have a live software product with a website and want growth on autopilot, Revnu is built for you. If you're pre-launch with no site yet, wait until you have something live for AI agents to work on.

Revnu's pricing is radically simple: pricing tailored to your business. No per-transaction fees, no percentage cuts, no hidden charges. Everything included: A/B testing, SEO content, session analysis, site audits, competitor research, and daily growth reports.

Compare to building it yourself: Setting up equivalent growth tools separately means subscribing to Optimizely for A/B testing ($49-199/mo), SEMrush for SEO ($99-299/mo), Hotjar for session replays ($49-99/mo), SimilarWeb for competitor research ($49-149/mo), and hiring a content writer ($500-2000/mo). That's $746-2746/month in tools and services, plus hours of your time configuring and managing each one. Revnu replaces all of them at a fraction of the cost, running 24/7.

What you get: AI-powered A/B testing across your entire site (not just A/B — ten variants at once), SEO content generation targeting competitor keywords, session replay analysis that surfaces conversion killers automatically, site audits with prioritized fix lists, competitor monitoring, pricing experiments, and daily growth reports. New capabilities added every week.

No lock-in: Revnu works on your existing site through your GitHub repo. SEO content is published on your domain. A/B test improvements are merged into your codebase. If you ever leave Revnu, all the improvements stay. You're not building on a hosted platform that disappears when you cancel.

The compound effect: Growth tools aren't just a cost — they're an investment that compounds. Every A/B test that finds a winning variant permanently improves your conversion rate. Every SEO article published continues attracting traffic for years. Every session insight that fixes a conversion killer saves future revenue. The earlier you start, the more these improvements compound.

The hidden cost most founders miss: Beyond payment processing, consider what infrastructure you actually need to grow a software business. A/B testing? $49-199/month for Optimizely. SEO tools? $99-299/month for SEMrush. Session replays? $49-99/month for Hotjar. Competitor research? $49-149/month for SimilarWeb. Content creation? $500-2000/month for freelancers. Most software businesses need all of these — that's $746-2746/month in separate subscriptions, each requiring setup and management. Revnu includes everything with pricing tailored to your business. When you calculate Total Cost of Ownership, the savings are significant.