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Documentation Index

Fetch the complete documentation index at: https://polar.sh/docs/llms.txt

Use this file to discover all available pages before exploring further.

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Plans

Polar offers a free Starter plan plus three optional paid plans — Pro, Growth, and Scale — that lower your variable rate and prioritize your support inquiries. You can switch between plans anytime, and your rate adjusts immediately.
PlanMonthly feePer transactionSupport
StarterFree5% + 50¢Standard Support
Pro$20 /mo3.8% + 40¢Prioritized Support
Growth$100 /mo3.6% + 35¢Prioritized Support
Scale$400 /mo3.4% + 30¢Slack + Prioritized Support
The paid plans replace the per-transaction Merchant of Record premium with a fixed monthly fee and a lower variable rate.

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When does a paid plan pay off?

Each paid plan crosses over to save you money at a predictable monthly sales threshold.
PlanBreakeven vs. Starter
Pro~$1,379 /mo in sales
Growth~$5,634 /mo in sales
Scale~$19,048 /mo in sales
Below your plan’s threshold, a lower tier is the better deal. Above it, the paid plan saves money — and you get faster support on top.

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Early Member

Organizations created before May 27, 2026 stay on the Early Member rate indefinitely. This was the rate we offered while Polar was catching up on feature parity with other Merchant of Record providers, and we’ve committed to honoring it for everyone who signed up under it.
Monthly feePer transactionSubscription fee
Free4% + 40¢+0.5%
One trade-off worth understanding: Early Member is yours forever as long as you stay on it. The moment you upgrade to a paid plan, Early Member is retired for that organization. You can still switch freely between the paid plans afterwards, but downgrading to Starter lands you on the new 5% + 50¢ rate, not your original Early Member rate. Organizations created on or after May 27, 2026 start on Starter (5% + 50¢). This applies to new organizations even if they’re created by customers who signed up earlier.

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Additional Fees

These apply on top of your plan’s per-transaction fee.
  • +1.5% for international cards (non-US)
  • +0.5% for subscription payments — Early Member only. Starter, Pro, Growth, and Scale have no separate subscription fee.
  • We also reserve the right to pass on any other fees Stripe might impose in the future.

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Example

Below is a $30 purchase from Sweden (25% VAT) paid with an international card.
ItemAmount
Product Price$30
VAT (25%)$7.5
Total Transaction Value$37.5
Here’s how the fees on that $37.5 transaction compare across plans.
PlanTransaction FeeInternational (+1.5%)Total Fees
Starter (5% + 50¢)$2.38$0.56$2.94
Pro (3.8% + 40¢)$1.83$0.56$2.39
Growth (3.6% + 35¢)$1.70$0.56$2.26
Scale (3.4% + 30¢)$1.58$0.56$2.14

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Refunds

You can issue both full or partial refunds on Polar to your customers. However, the initial transaction fees are not refunded to you since credit card networks and PSPs charge them regardless of a future refund. Please note: Polar reserves the right to issue refunds at our own discretion up to 60 days after the purchase as part of our efforts to continuously and proactively reduce disputes & chargebacks which cost you $15/dispute. We only leverage this right for this purpose and in the interest of reducing chargebacks and fees for you. Learn more about refunds →

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Dispute/Chargeback Fees

Sometimes, customers can open a dispute/chargeback via their bank for a purchase. Disputes cost $15 per dispute regardless of outcome and is deducted from your balance directly. This fee is charged by the underlying credit card networks & PSPs regardless of outcome and therefore something we cannot refund. However, we continuously work to proactively reduce the rate of chargebacks across Polar to be at or lower than industry standards. Credit card networks impose monitoring programs, penalties and higher chargeback costs for sellers with high chargeback rates (~0.7%+). Since Polar is the Merchant of Record, we therefore always monitor and proactively prevent our rate coming close to these thresholds. Therefore, we might need to intervene and even suspend your account unless swift and proactive measures are taken to reduce chargebacks to an acceptable industry standard.

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Payout Fees

While payouts may incur fees charged by our payout provider (Stripe), Polar does not add any extra fees or markup. These are strictly Stripe’s fees, and Polar does not profit from them. In addition, Polar offers manual withdrawals for developers. Keeping you in control of when to issue payouts. Unless you have a Polar balance that you haven’t withdrawn for several months, at which point we’ll eventually need to trigger a payout on your behalf. Fees (Stripe)
  • $2 per month of active payout(s)
  • 0.25% + $0.25 per payout
  • Cross border fees (currency conversion): 0.25% (EU) - 1% in other countries.

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Volume pricing

Large or fast-growing business? The published Scale plan is our cheapest public rate. If you need something custom on top of that, reach out to us.