When you sell a product or charge a subscription with Snappy Checkout, you'll pay 2.9% + 30¢ to Stripe or PayPal to process your customer's credit card transaction (none of this fee goes to Snappy Checkout). On top of that fee, Snappy Checkout will charge you a fee of either 2% or 50¢ (whichever is lower).
Snappy Checkout allows you to collect payments via both Stripe and PayPal. Your fees will be removed at different times depending on which of these two payment processes handles the transaction.

When you collect a payment with Stripe, both Stripe's fee and Snappy Checkout's fee are instantly removed from your earnings at the time of sale. The remainder of your earnings will immediately be available in your Stripe account.

When you collect a payment with PayPal, 2.9% + 30¢ of the fee is instantly removed from your earnings at the time of sale. The remainder of your earnings will immediately be available in your PayPal account. Snappy Checkout will bill the remaining 2% or 50¢ (whichever is less) fee to you at the end of the month. The fee is split like this because PayPal does not currently allow the Snappy Checkout fee to be removed at the time of sale.

Here are a few examples to show how these fees work:

Example #1 (Stripe):
Your customer buys a product that costs $10. The payment is processed by Stripe.

• Stripe will charge you $0.59 to process your customer's credit card.
• Snappy Checkout will charge you $0.20 (a 2% fee — since that's less than 50¢).
• Your total fee would be $0.79.
• After removing those fees, a total of $9.21 will be instantly deposited into your Stripe account.

Example #2 (Stripe):
Your customer buys a product that costs $100. The payment is processed by Stripe.

• Stripe will charge you $3.20 to process your customer's credit card.
• Snappy Checkout will charge you $0.50 (a 50¢ fee — since that's less than a 2% fee).
• Your total fee would be $3.70.
• After removing those fees, a total of $96.30 will be instantly deposited into your Stripe account.

Example #3 (PayPal):
Your customer buys a product that costs $10. The payment is processed by PayPal.

• PayPal will charge you $0.59 to process your customer's credit card.
• After removing the PayPal fee, a total of $9.41 will be instantly deposited into your PayPal account.
• At the end of the month, Snappy Checkout will charge you $0.20 (a 2% fee — since that's less than 50¢). This fee will be charged to the credit card that you added in the "Settings" --> "Billing" section of the Snappy Checkout admin.

When a payment is refunded:

• The $0.50 Snappy Checkout fee is refunded.
• If a PayPal payment, their 2.9% + $0.30 fees are not refunded (see more here).
• If a Stripe payment, their 2.9% + $0.30 fees are not refunded (see more here).

Most companies charge a flat transaction fee to process payments. Instead of going with the flow, Snappy Checkout charges a fee for the service being offered. This means you'll always be charged a fair fee no matter if you're selling inexpensive products or expensive products.