Gateways and what systeme.io charges
The pricing page says all plans include 0% transaction fees and lists Stripe, Razorpay, Flutterwave, Xendit, PayPal, Apple Pay and Mercado Pago integrations. Its help center payments category also has guides for Mollie, GoCardless, iDEAL and Bancontact, and payment on delivery. [1] [8]
Processor fees are separate. The two most common choices for US sellers are Stripe and PayPal.
Stripe and PayPal fees (US)
From Stripe’s and PayPal’s US pricing pages on the access date. [2] [3]
| Fee | Stripe | PayPal |
|---|---|---|
| Domestic online payment | 2.9% + 30¢ per card | PayPal Checkout 3.49% + $0.49; standard cards 2.99% + $0.49 |
| International | +1.5% international card | +1.50% international commercial |
| Currency conversion | +1% | Not covered here |
| Disputes | $15 per dispute received | $20 chargeback fee (card chargebacks as described) |
| Refund fee | No fee; original processing fee not returned | No fee; original fees not returned |
Worked example: net on a $49 sale
Before tax, rounded to the cent. On 100 domestic sales, the gap between Stripe and PayPal Checkout is about $48. Offering both can still be worth it if some buyers will only pay with PayPal. [2] [3]
| Scenario | Processor fee | systeme.io fee | You keep |
|---|---|---|---|
| Stripe, US card | $1.72 (2.9% + 30¢) | $0 | $47.28 |
| Stripe, international card | $2.46 (4.4% + 30¢) | $0 | $46.54 |
| Stripe, international card + conversion | $2.95 (5.4% + 30¢) | $0 | $46.05 |
| PayPal Checkout, US | $2.20 (3.49% + 49¢) | $0 | $46.80 |
| PayPal Checkout, international | $2.94 (4.99% + 49¢) | $0 | $46.06 |
| Stripe sale fully refunded | $1.72 not returned | $0 | -$1.72 |
Connecting Stripe
- Profile picture, Settings, Payment Gateways, Connect next to Stripe. [4]
- Log in to or create a Stripe account, choose country and business type, verify your personal information, then Authorize access. [4]
- Payment pages must include Email and First Name fields. [4]
- Card payments support 46 currencies, including USD, EUR and GBP, and recurring payments work in all of them. [4]
- Payment plans appear in Stripe as subscriptions with an end limit; that is expected. [4]
Connecting PayPal
- You need a PayPal Business account; converting a Personal account is free, per the article. [5]
- Settings, Payment gateways, Connect next to PayPal, log in, click Allow, then Return to systeme.io; your PayPal Merchant ID appears when done. [5]
- Add email, first name and last name fields to every order form, since PayPal payments require them. [5]
- Optional: set the IPN notification URL in PayPal so payment statuses update. [5]
- PayPal supports 25 currencies and recurring payments; set products in one of them. [5]
Refunds and failed payments
Refunds are issued from Sales, Transactions via the three-dots menu, and generate a negative-amount invoice. Partial refunds are not supported, and refund availability depends on your gateway, including having enough balance there. [6]
For subscriptions, Stripe retries follow your Stripe retry settings; PayPal manages its own retries, and payment plans get up to four total attempts before cancellation. [7]
Launch checklist
- Connect at least one gateway and place a real low-value test order, then refund it.
- Decide whether to show PayPal as well as cards; budget the higher fee.
- Check required fields on every order form (email, first name, and last name for PayPal).
- Set the product currency to one supported by your gateway.
- Write a refund policy that reflects full refunds only.
- Configure your Stripe retry settings before turning on subscriptions.
Questions before you decide
Does systeme.io charge a fee per sale?
Its pricing page lists 0% transaction fees on all plans; Stripe, PayPal or your other gateway still charge their own fees.
Can I issue a partial refund in systeme.io?
No. Its refund article says partial refunds are not currently supported.
Do I need a PayPal Business account?
Yes. systeme.io’s PayPal article requires a Business account and says converting a Personal account is free.
Sources & verification
Product details and prices can change. Check the linked provider before buying.
- systeme.io pricing and plan FAQ Accessed 30 Oct 2026
- Stripe pricing (US) Accessed 30 Oct 2026
- PayPal merchant fees (US) Accessed 30 Oct 2026
- systeme.io help: how to connect your Stripe account Accessed 30 Oct 2026
- systeme.io help: PayPal integration Accessed 30 Oct 2026
- systeme.io help: how to refund a customer Accessed 30 Oct 2026
- systeme.io help: what happens when a subscription payment fails Accessed 30 Oct 2026
- systeme.io help: payments articles category Accessed 30 Oct 2026
Sources link directly to providers. Product buttons may use separately labeled affiliate links. Read our disclosure.