Kit Commerce fees: 3.5% + $0.30 on every plan, and what that is made of

Last updated: September 14, 2026

Disclosure: This post contains affiliate links to Kit. If you sign up through one of them, we may earn a commission at no extra cost to you. It does not change what you pay, and it does not change the arithmetic on this page. Every review states how close we got to the product. Learn more.

How well we know this tool: Not hands-on — published pricing only — every figure here is computed from Kit's own pricing page and help articles, captured in full on September 14, 2026. A person checked the pricing page and the Commerce overview and Free plan help articles on September 14, 2026; the currencies, billing, payment setup and Creator vs Creator Pro articles were read by machine only. We have no Kit account and have not sold anything through Kit Commerce. What this means.

You have a list on Kit and something to sell to it — a course, a template pack, an e-book, or a paid newsletter — and you would rather not add a second platform and a second checkout to do it. The cost of selling through Kit itself is one line: 3.5% + $0.30 per sale in USD, card processing included. Kit's help page says Commerce is on every plan including the Free one, and its pricing table carries the same figure under each plan column. Kit's own cut of that 3.5% is 0.6%, which is why you will see both numbers quoted as “the” fee.

The short answer

$50 products, paid by card, priced in USD, on the Free plan so there is no monthly charge in the arithmetic. The fee is 3.5% of revenue plus $0.30 for each sale:

The highlighted row is the case used in the rest of this article. "Kit's 0.6% share" and "Processing and the fixed charge" add up to the "All fees" column. At a $50 sale the $0.30 happens to be 0.6% of the price, the same figure as Kit's share; the two have nothing to do with each other, and it is also why "Processing and the fixed charge" comes to 3.5% of revenue at this price and not at others.

The split shown in the "Kit's 0.6% share" and "Processing and the fixed charge" columns is Kit's own: 3.5% in total, 0.6% of it to Kit, the remaining 2.9% plus the $0.30 covering the card. Nothing in the table changes with volume, because the rate is flat and the product price is held constant. What moves the effective rate is the price of what you sell: the $0.30 is 3% of a $10 product before the percentage is taken, and a small fraction of a $200 one.

Three Kit pages, three phrasings, one number

The help article on Kit Commerce states the cost and answers whether anything else is added:

Selling in USD costs 3.5% + $0.30 per transaction. There's no monthly fee for Commerce and nothing to pay until you make a sale.

No. The 3.5% + $0.30 per transaction is the only cost of selling through Kit, and it applies only when you make a sale.

The same page says which plans it is on:

Commerce is available on every plan, including the Free plan.

The pricing page puts it in a feature row, and that row is where the smaller number comes from:

For any digital products or subscription—inclusive of credit card processing fees, so Kit only takes 0.6% of the total fees.

The feature page for Commerce quotes only that smaller number:

Kit charges 0.6% + card processing fees per transaction. You only pay when you get paid, and there are no hidden fees or revenue caps.

These agree, because they measure different things. 3.5% + $0.30 is what leaves your sale — your cost. 0.6% is Kit's portion of it — Kit's revenue. The 0.6% sentence says so itself: it adds “+ card processing fees” rather than standing alone.

Kit's own pages show the fee on every plan. The fee row in the pricing table is filled in for each of the 3 plan columns with the same figure, written there as “3.5% + 30c”; the availability sentence is the one quoted above; and Kit's comparison of its two paid plans lists “Digital products and subscriptions” as Yes on Creator and Yes on Creator Pro. The pages we read do not describe a different Commerce rate on either of them.

The fee follows the product's currency

Kit prices Commerce in 6 currencies. The percentage is the same in every row and only the fixed part changes:

Which row applies is decided by the product, not by you. Kit's currencies help page:

For example, if you're a US-based creator who receives payouts in USD but you made a sale on a product whose price is in EUR, you will be charged the EUR fee of 3.5% + 0.25€ for the transaction.

Where you can sell from, and who moves the money

Kit's help page lists 39 countries for Commerce:

• Australia
• Austria
• Belgium
• Bulgaria
• Canada
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Gibraltar
• Greece
• Hong Kong
• Hungary
• Ireland
• Italy
• Japan
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Netherlands
• New Zealand
• Norway
• Poland
• Portugal
• Romania
• Singapore
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland
• the United Kingdom
• the United States

That is the list on the page we read; if your business is not on it, we can tell you only that. What you can sell is one sentence, and it is why a paid newsletter and a course sit under the same fee:

Anything you can deliver digitally: e-books, courses, templates, presets, music, or a paid newsletter. You can also sell access to a link, which covers things like a members-only page or a hosted course.

Charge subscribers access to a paid newsletter—monthly, quarterly, or annually. Plus, you can have public newsletter page with gated posts to convert more subscribers.

The payment side is answered in Kit's Commerce help article:

Yes. Stripe processes your payments, and you'll create a new Stripe account when you set up payments in Kit, even if you already have one.

NOTE: Stripe is the only payment platform Kit supports.

Kit's payment setup page adds the detail that matters if you already run a Stripe account:

Even if you already have a Stripe account. You'll need a separate Kit-managed Stripe Express account for managing and receiving payments for your sales.

Money arrives on a schedule:

Payouts go out weekly, on Fridays. Your first one takes longer because of processing, so expect it 7–14 days after your first successful sale.

Against a standalone store, at $2,000 a month

Same $2,000, same 40 sales at $50, US card buyers, tax left out. The Payhip row is whichever of its plans keeps the most at this revenue:

Payhip's card processing rate is our assumption of 2.9% + $0.30, not its own figure, and its monthly plan price is inside "All fees". The full working is in our comparison of those three stores.

This ordering exists because the Kit row carries no monthly charge, and that holds only on the Free plan. Kit describes the plan as costing nothing below its subscriber ceiling — “The Free plan costs $0 per month for as long as you stay under 10,000 subscribers.” — and lists what sits on the paid plans instead. The Free plan is built around growing your list. These features live on the Creator and Creator Pro plans:

• Visual automations and the automation template library
• Email sequences
• Rules and RSS campaigns
• Kit MCP
• Paid apps in the Kit App Store. Free apps are still available to you
• Smart Recommendations
• Earning from Paid Recommendations

Email sequences and visual automations are on that list, which is what an evergreen funnel is made of. If you need them, or your list passes the Free plan's ceiling, a monthly price joins the arithmetic: at Creator's annual rate the same month leaves $1,885.50 instead of $1,918.00, and at Creator Pro's annual rate $1,852.17, against $1,880.00 for Lemon Squeezy. That comparison is rough in both directions: the plan price also buys your email sending, and a standalone store still needs a list living somewhere.

These are not the same purchase. Lemon Squeezy's fee page describes its fee as covering “taxes (yes, we cover taxes)”, Gumroad's pricing page says “Since January 1, 2025, Gumroad handles ALL your tax obligations. Yes, you read that right – we manage sales tax collection and remittance worldwide.” and Kit's help answers the tax question with “Kit collects Value-Added Tax (VAT) only. Other taxes, including US sales tax and Canada QST, aren't charged or collected for you.” The table above prices the fee lines only; if tax handling decides it for you, the cheapest row here may not be the cheapest for you.

Paid Recommendations is a different fee

Kit's pricing page also shows 23.5%, described as “Kit’s fee for any earnings paid through Paid Recommendations.” That is a cut of money paid to you for recommending other newsletters — a different fee on a different product, and earning from it sits on the paid-plan list quoted above. The fee on your own sales is the one in the tables.

Who this is wrong for

• Sellers whose business is not on Kit's country list. The 39 entries are above, and Kit ties Commerce to Stripe.
• Anyone who needs PayPal at checkout. Kit's help article is blunt about it: “NOTE: Stripe is the only payment platform Kit supports.” If a meaningful share of your buyers pay that way, this is decided before the fee is reached.
• Anyone who wants the platform to handle sales tax for them. Kit's help article asks itself “Can Kit collect taxes for me?” and answers: “Kit collects Value-Added Tax (VAT) only. Other taxes, including US sales tax and Canada QST, aren't charged or collected for you.” So VAT can be collected through Kit, and US sales tax and Canadian QST stay with you. The standalone stores in the store comparison describe a different arrangement, and the fee table above does not price that difference.
• Anyone whose list is past the Free plan's ceiling, or who needs sequences and automations. Then Creator starts at $32.50 a month billed yearly and $39 a month billed monthly at the smallest subscriber tier, and that price belongs in your fee arithmetic even though it buys email as well. The yearly figure is $390 a year divided by twelve, which the pricing page shows as “$390 billed yearly—Save $78 per year”; the monthly figure is from Kit's help table, where the row “Starting price (up to 1,000 subscribers)” reads “$39 / month” under Creator and “$79 / month” under Creator Pro.
• Anyone selling something physical. The sentence quoted above begins “Anything you can deliver digitally”, and a shipped product is not that.

What this does not tell you

• Tax on your Kit subscription, beyond Kit's own example. Its billing article says “Your billing address determines whether sales tax needs to be applied and the rate charged.” and gives one worked case: “$39 (plan cost) + $2.34 (sales tax) = $41.34 total” Outside the US it asks for a billing address and tax ID. The rate that applies to you is on your invoice, not on this page.
• What happens to a failed payment on a paid newsletter subscription, how many retries there are, and what the fee is on the retry. The pages we read do not cover it.
• Whether the fee comes back on a refund. Kit's help says a purchase can be refunded (“Yes, in full. See How to refund a purchase.”) and, of a test purchase you refund to yourself, that “Buy it, then refund yourself. Complete the purchase as usual and issue a refund. Processing fees aren't refunded.” Chargebacks are not covered on the pages we read.
• The plan price at your list size. It rises with the list: Creator goes from $32.50 a month billed yearly at 1,000 subscribers to $165.83 at 25,000. The five list sizes a person captured from Kit's pricing page are in Kit pricing by subscriber count. The Commerce fee is flat across all of them.
• Whether Kit suits your list, which is a different question from what selling costs. The plan side of that, against a platform with email bundled in, is in Kajabi's bundled email vs Thinkific plus Kit.
• How the Commerce fee compares on a paid newsletter with a tool that takes no percentage but charges for its plan. That arithmetic, by list size, is in beehiiv vs Kit pricing.

Check it yourself

The pages every number here comes from:

• the pricing page
• the Commerce feature page
• Kit Commerce overview and FAQs
• Kit Commerce currencies
• Billing at Kit
• Setting up payments
• The Kit Free plan
• Creator plan vs Creator Pro plan

All of them were captured in full on September 14, 2026. A person opened the pricing page and the Commerce overview and Free plan help articles again and checked the quoted lines on September 14, 2026; the currencies, billing, payment setup and Creator vs Creator Pro articles were read by machine only. The monthly plan prices above come from Kit's help table and match the pricing page at 1,000 subscribers, which a person also captured at 5 list sizes on both billing options on September 14, 2026. The formula is one line: fees = revenue × 3.5% + sales × $0.30, plus the monthly plan price if you are on one, and nothing for card processing because Kit says that is already inside the 3.5%.

If you are going to sign up anyway

This is our affiliate link: start on Kit. If you end up on a paid plan through it, Kit pays us a commission and it costs you nothing extra. It changes no number on this page — the fee is Kit's published figure, and the sections above on the country list, Stripe-only checkout and the paid-plan feature list are the parts that would stop us being paid.

The Free plan carries the same Commerce rate, and we are paid on subscriptions rather than on your sales.

Fees and quotes read September 14, 2026 against Kit's public pages. If a number here is out of date, tell us at hello@feesandfigures.com and we will fix it and note the change at the top of this article.