Global Merchant Payment & Cloud Infrastructure Benchmark Intelligence
Empirical fee schedules, foreign exchange drag, serverless compute curves, and cloud storage egress economics. Deterministic client-side models evaluating Stripe, Lemon Squeezy, Paddle, Wise, AWS, and Cloudflare.
Developer Infrastructure & Payment Bento Hub
Explore live interactive models below. Adjust volume, currency, memory, and storage parameters to instantly recalculate cost projections and net take-home revenue.
Merchant Gateway Fee & Net Take-Home Simulator
Model gross processing volume against gateway MDR discount rates, per-transaction fixed fees, international card surcharges, and dispute drag across leading PSPs and MoRs.
Revenue vs Fee Allocation Profile
Deterministic AllocationCloud Storage & Egress Cost Breakdown
Compare data-at-rest pricing against internet egress transfer charges across AWS S3 Standard, Cloudflare R2, Google Cloud Storage, and Bunny.net.
Serverless & Edge Compute Cost Estimator
Compare edge V8 isolate runtimes (Cloudflare Workers) against containerized microVMs (AWS Lambda x86/ARM) and persistent micro-instances (Fly.io).
Cross-Border Payout Friction Simulator
Quantify foreign exchange spread markup and intermediary SWIFT correspondent fees across Wise Business, Mercury, Payoneer, and legacy banks.
Full Mathematical Calculators
Deep-dive interactive engines with comprehensive parameter controls, scenario presets, formula citations, and custom exports.
Merchant Gateway Fee & Net Take-Home Calculator
Model take-home revenue across Stripe, Lemon Squeezy, Paddle, and Shopify Payments factoring in interchange, international cross-border surcharges, FX conversion, and chargeback reserves.
Net = Gross - (Gross × MDR%) - (Tx × Fee) - Intl_Surcharge - FX_Spread - Disputes
Cross-Border Payout Friction Calculator
Simulate multi-hop currency conversion drag, SWIFT intermediary deductions, and net landing amounts across Wise Business, Mercury, Payoneer, and traditional commercial banks.
Net = (Amount - Rail_Fee) × Mid_Market_FX × (1 - Spread%) - Intermediary - Landing
Serverless & Edge Compute Cost Estimator
Estimate monthly compute expenses across Cloudflare Workers, AWS Lambda (x86 & ARM Graviton), and Fly.io based on invocations, duration (ms), and allocated memory (MB).
Cost = (Invocations / 1M × Rate) + (Invocations × (ms / 1000) × (MB / 1024) × GB_Sec) + Base
Cloud Storage & Egress Cost Breakdown
Compare monthly storage at rest, API Class A/B request fees, and outbound internet bandwidth egress charges across AWS S3 Standard, Cloudflare R2, Google Cloud Storage, and Bunny.net.
Total = (GB_Stored × Rate) + (Class_A × Rate) + (Class_B × Rate) + (Egress × Rate)
Cited Industry Benchmarks (September 2026)
Empirical rate schedules and performance baselines compiled from contractual terms, API billing guides, and distributed edge benchmarks.
| Provider / System | Category & Model | Base Pricing / Rate | Secondary Overhead / Surcharge | Official Citation |
|---|---|---|---|---|
| Stripe | Payment Service Provider (PSP) | 2.9% + $0.30 | +1.5% international · 1.0% FX conversion | Stripe Pricing Schedule ↗ |
| Lemon Squeezy | Merchant of Record (MoR) | 5.0% + $0.50 | Global sales tax / VAT remittance included | Lemon Squeezy Pricing ↗ |
| Cloudflare R2 | Object Storage | $0.0150 / GB | $0.0000 / GB Egress (Free) | Cloudflare R2 Terms ↗ |
| AWS S3 Standard | Object Storage | $0.0230 / GB | $0.0900 / GB Internet Egress | AWS S3 Pricing ↗ |
| Cloudflare Workers | Edge V8 Isolates | $0.30 / 1M req | < 5 ms cold start · $0 egress | Cloudflare Workers Pricing ↗ |
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