Calculate your exact Payhip platform fees, Stripe & PayPal processing costs, take-home earnings per sale, and find the most cost-effective plan for your monthly sales volume.
Product & Sales Details
How Payhip Pricing & Fees Work in 2026
Payhip is one of the most creator-friendly platforms for selling digital downloads, online courses, memberships, and coaching. Unlike other platforms that gate premium features behind expensive subscriptions, Payhip gives you access to 100% of its features on every single plan, including the Free Forever plan.
Free Forever Plan ($0/mo)
No upfront monthly cost. Payhip takes a 5% transaction fee per sale. Ideal for beginners, hobbyists, or creators testing new digital products with under $967/mo in revenue.
Plus Plan ($29/mo)
A modest $29/month subscription lowers your transaction fee down to 2%. This plan becomes more profitable than the Free plan once your monthly sales exceed $967/mo.
Pro Plan ($99/mo)
A fixed $99/month subscription with 0% transaction fees from Payhip. You keep 100% of your earnings (minus standard payment gateway fees). Most cost-effective above $3,500/mo.
Payment Processor Gateways
Customer payments go directly to your Stripe or PayPal account. Standard merchant fees (e.g. 2.9% + $0.30 for US Stripe) apply across all plans and are charged by the processor, not Payhip.
Payhip Plan Breakeven Analysis
| Monthly Revenue Range | Recommended Plan | Payhip Platform Fee | Why It Saves You Money |
|---|---|---|---|
| $0 – $966 / mo | Free Forever | 5% per sale | Zero monthly risk; 5% fee is less than the $29 Plus monthly fee. |
| $967 – $3,500 / mo | Plus Plan ($29/mo) | 2% per sale | Saving 3% in transaction fees exceeds the $29 monthly subscription. |
| $3,501+ / mo | Pro Plan ($99/mo) | 0% per sale | Eliminating the 2% fee saves more than the additional $70/mo upgrade. |
4 Proven Strategies to Maximize Your Payhip Profit Margins
- Upgrade Your Plan When You Hit Breakeven: At $1,000/mo, moving to Plus immediately saves money. At $4,000/mo, moving to Pro puts an extra $80+ in your pocket every month.
- Encourage Stripe Over PayPal When Possible: Standard PayPal commercial rates (3.49% + $0.49) are slightly higher than Stripe (2.9% + $0.30), meaning you take home more on Stripe checkouts.
- Bundle Digital Products: Higher price points mean the flat $0.30 gateway fee represents a much smaller percentage of your total sale.
- Use Payhip’s Built-in Affiliate Program: Payhip handles affiliate tracking and payouts effortlessly. Pay affiliates a percentage of net sales to drive organic customer acquisition.
Frequently Asked Questions
Are there any feature limitations on Payhip’s Free Plan?
No. Payhip provides all features on the Free Forever plan, including unlimited products, coupons, affiliates, memberships, courses, and custom domains. The only difference is the 5% transaction fee.
Does Payhip hold my customer funds?
No. Unlike platforms that hold your payouts for weeks, Payhip connects directly to your Stripe or PayPal account, meaning you receive instant direct deposits upon every sale.
Can I switch plans anytime?
Yes. You can upgrade, downgrade, or cancel your Payhip plan at any time without long-term contracts or cancellation penalties.
How does Payhip handle EU / UK VAT?
Payhip automatically detects customer location, calculates the correct VAT rate, and complies with EU/UK digital goods VAT laws so you don’t have to manage tax filing manually.