2Checkout Fee Calculator

Calculate fees for 2SELL (3.5% + $0.35) and 2SUBSCRIBE (4.5% + $0.45) plans. Get instant estimates for all 2Checkout payment types including cross-border sales.

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2Checkout: 2SELL Standard

3.5% + $0.35

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About 2Checkout Payment Processing

2Checkout (acquired by Verifone in 2020) is a payment platform designed for businesses selling internationally. If you're running a SaaS company, selling digital products, or managing subscriptions across multiple countries, 2Checkout handles the complexity of accepting payments in 200 countries and territories and dealing with different tax regulations.

2Checkout's two most-used plans are 2SELL at 3.5% + $0.35 for standard one-time transactions, and 2SUBSCRIBE at 4.5% + $0.45 for subscription and recurring billing. Subscription billing costs more, and the extra 1% + $0.10 pays for automatic renewals, failed-payment recovery, and subscription management. For merchants outside the exempt countries, cross-border sales add 2% (making 2SELL 5.5% + $0.35). PayPal costs the same as a card.

The draw is what you don't pay for separately: no monthly minimums, no setup fees, and built-in tools for VAT, sales tax, and the rest of the compliance work. You pay more per transaction than on Stripe (2.9% + $0.30), which is the trade if you're selling globally.

How 2Checkout Fees Are Calculated

Standard Transaction Formula:

Fee = (Amount × 3.5%) + $0.35

Example: $100 transaction

Fee = ($100 × 0.035) + $0.35 = $3.85

You receive = $100 - $3.85 = $96.15

2SUBSCRIBE (Recurring Billing) Formula:

Fee = (Amount × 4.5%) + $0.45

Example: $50 monthly subscription

Fee = ($50 × 0.045) + $0.45 = $2.70

You receive = $50 - $2.70 = $47.30

2SELL Cross-Border Formula (non-exempt countries):

Fee = (Amount × 5.5%) + $0.35

Example: $100 international payment

Fee = ($100 × 0.055) + $0.35 = $5.85

You receive = $100 - $5.85 = $94.15

2SUBSCRIBE Cross-Border Formula (non-exempt countries):

Fee = (Amount × 6.5%) + $0.45

Example: $100 subscription from an overseas customer

Fee = ($100 × 0.065) + $0.45 = $6.95

You receive = $100 - $6.95 = $93.05

2Checkout Transaction Types

Transaction Type	Percentage Fee	Fixed Fee	Best For
2SELL (Standard)	3.5%	$0.35	One-time payments, cards and PayPal
2SUBSCRIBE (Recurring)	4.5%	$0.45	SaaS and subscription billing
2SELL Cross-Border	5.5%	$0.35	International sales, non-exempt countries
2SUBSCRIBE Cross-Border	6.5%	$0.45	International subscriptions, non-exempt countries

How 2Checkout Stacks Up Against Competitors

2Checkout's 3.5% + $0.35 is more expensive than Stripe's 2.9% + $0.30. On a $100 transaction that is $3.85 against $3.20, so you pay $0.65 more.

What that buys is global infrastructure. If you're selling SaaS to customers in Europe, Asia, and Latin America, 2Checkout handles local payment methods, currency conversion, and tax compliance automatically. Stripe can do the same, but you have to set it up yourself. On 2Checkout the VAT handling, digital goods tax rules, and localized checkout pages come without extra configuration.

Why Choose 2Checkout:

Selling internationally with minimal setup
Need automatic tax compliance
Want subscription billing built-in
Accept 45+ payment methods globally

When to Skip It:

Mostly US/domestic sales
Price-sensitive high-volume business
Need heavy API customization
Want the absolute lowest fees

Frequently Asked Questions

What's the difference between 2SELL and 2SUBSCRIBE?

2SELL is 3.5% + $0.35 for one-time payments, while 2SUBSCRIBE is 4.5% + $0.45 for recurring billing and subscriptions. The extra 1% + $0.10 on 2SUBSCRIBE covers subscription management features like automatic renewals and dunning.

Are there monthly fees with 2Checkout?

No, 2Checkout doesn't charge monthly fees or setup fees. You only pay transaction fees when you process payments, making it accessible for businesses of all sizes.

What is the cross-border fee in 2Checkout?

On the 2Sell and 2Subscribe plans 2Checkout adds a 2% cross-border fee when the shopper is outside your own country, bringing 2Sell to 5.5% + $0.35 and 2Subscribe to 6.5% + $0.45. It applies only to some merchant countries: merchants registered in the 23 exempt countries, the US, Canada, the UK and most of the EU among them, never pay it.

Does 2Checkout support multiple currencies?

Yes. 2Checkout sells into 200 countries and territories and supports over 45 payment methods, from cards and PayPal to regional methods, depending on your plan and the country you are based in.

Can I use 2Checkout with PayPal?

Yes. 2Checkout prices PayPal like a card: its published rates cover standard payment methods including credit cards and PayPal, so a PayPal sale on 2Sell costs 3.5% + $0.35, with no separate PayPal surcharge. Only advanced local methods are priced separately.

2Checkout’s tiered plans and the cross-border fee

2Checkout, now part of Verifone, does not use a single flat rate. It prices by plan: 2Sell at 3.5% + $0.35 per sale, 2Subscribe at 4.5% + $0.45 for subscription billing, and 2Monetize, the full tax-and-compliance suite for digital goods, at tailored pricing quoted by 2Checkout, all with no setup or monthly fee. The higher tiers cost more because they bundle more (recurring billing, global tax handling, dunning), so the right plan is the one whose features you actually use.

International sales carry one extra line to watch: a 2% cross-border fee applies on the 2Sell and 2Subscribe plans when the shopper is in a different country from your account, unless your business is registered in one of the 23 exempt countries (the US among them). Where it applies, a $100 subscription sale to an overseas customer on 2Subscribe costs 4.5% + $0.45 + 2% = $6.95, leaving $93.05. Against Stripe's 2.9% + $0.30, 2Checkout is pricier per transaction, but it bundles the merchant-of-record, tax and fraud work you would otherwise build yourself, which is the trade you are really pricing.

Last Updated: Fees checked October 2026 against 2Checkout's pricing page | 2SELL 3.5% + $0.35, 2SUBSCRIBE 4.5% + $0.45, cards and PayPal alike; 2% cross-border fee for merchants outside the exempt countries; 2MONETIZE priced on request. How we check figures