---
title: "Repo Access Cost Calculator: What You Pay per Tool"
description: "Compare what each tool for selling private GitHub repo access costs per month and per year: Polar, GitHub Sponsors, Dodo, Keyplar, Honorbox, RepoAccess."
canonical: "https://edgekits.dev/en/tools/repo-access-cost-calculator/"
---

# Repo access cost calculator: Polar vs Stripe + RepoAccess Core

Scenario: seller in United States, $99 per sale, 20 sales a month, 35% international buyers, 5% refunds, 1.5% disputes. Fees read from each provider's pricing page, latest check 2026-09-24.

| | Polar | Stripe + RepoAccess Core |
| --- | --- | --- |
| Available in United States | Yes ([Read 2026-09-13](https://polar.sh/docs/merchant-of-record/supported-countries)) | Yes ([Read 2026-09-13](https://stripe.com/global)) |
| Platform and processing | $83 Polar fees + $10 intl + $5 disputes + $7 payouts + $20 plan ([Read 2026-09-24](https://polar.sh/docs/merchant-of-record/fees)) | $63 Stripe fees + $10 intl + $7 FX + $5 disputes ([Read 2026-09-24](https://stripe.com/pricing)) |
| Tooling and hosting | Delivery built in | Free tool, $0 hosting (Cloudflare Free) ([Read 2026-09-24](https://edgekits.dev/en/tools/repoaccess/)) |
| Monthly cost | $125 in Polar fees and Pro plan | $85 in Stripe fees |
| One-time cost | $0 | $0 |
| Year 1 | $1,504 | $1,023 |
| Year 2 | $1,504 | $1,023 |
| Tax work | Polar's | Yours |
| GitHub delivery | [Built in: collaborator invite, organization repos only](https://polar.sh/docs/features/benefits/github-access) | [RepoAccess Core](https://edgekits.dev/en/tools/repoaccess/) |

## What you keep

- Polar: $21,068 in year 1, $21,068 in year 2
- Stripe + RepoAccess Core: $21,549 in year 1, $21,549 in year 2

Stripe + RepoAccess Core leaves you $481 more a year.

Stripe + RepoAccess Core leaves the sales tax to you, so its figure is before any VAT or sales tax you owe on these sales. Polar files it for you.

Sales minus refunds minus the costs above, before income tax.

Fees are read from each provider's own pages; the date sits beside each figure. Payouts count as one a month to a bank in your country, and currency conversion as applying to international cards. A fee a provider does not publish as a single figure is listed under Not counted rather than guessed.

## At a glance

A US seller at $99 a sale and 20 sales a month, with 35% international buyers, 5% refunds and 1.5% disputes, using a free or built-in delivery tool. Fees read 2026-09-24.

| Payment provider | Monthly fees at $99 × 20 | Sales tax |
| --- | --- | --- |
| Stripe | $85 | You file it |
| Dodo Payments | $108* | Dodo Payments files it |
| Paddle | $115 | Paddle files it |
| Lemon Squeezy | $124 | Lemon Squeezy files it |
| Polar | $125 (Pro plan) | Polar files it |
| Gumroad | $261* | Gumroad files it |

\* Not counted: a fee this provider does not publish as a single figure.

Paid delivery tools add $29 to $129 once, or up to $79 a month.

## Frequently asked questions

**Q: What does it cost to sell access to a private GitHub repo?**

**A:** At $99 a sale and 20 sales a month, payment fees run from $85 a month with Stripe to $261 with Gumroad. Most delivery tools are free or built in; paid ones cost $29 to $129 once, or up to $79 a month.

---

**Q: Which payment providers handle sales tax for me?**

**A:** Dodo Payments, Paddle, Lemon Squeezy, Polar and Gumroad act as merchant of record: they collect and file sales tax and VAT for you. With Stripe, the tax is yours to file.

---

**Q: Is there a free way to sell repo access?**

**A:** The delivery side can be free: RepoAccess Core, Honorbox, Lemonrepo, Zapier (Free plan) and Make (Free plan). You still pay the payment provider, $85 a month in Stripe fees in the example above.

---

**Q: What if Stripe does not take sellers from my country?**

**A:** Stripe takes sellers from 51 of the 239 countries in the calculator. Of the rest, Dodo Payments covers 129, Paddle 172, Lemon Squeezy 175, Polar 70 and Gumroad 185. Pick your country above to see which options are open to you.

---

**Q: How much does Polar take per sale?**

**A:** Polar has 4 plans: Starter, 5% + 50¢ a sale; Pro, 3.8% + 40¢ a sale, $20 a month; Growth, 3.6% + 35¢ a sale, $100 a month; Scale, 3.4% + 30¢ a sale, $400 a month. On every plan it adds 1.5% on international cards and $15 per dispute, keeps its fee on a refund, and payouts cost $2 a month plus 0.25% + 25¢ per payout. Fees read 2026-09-24.

---

**Q: How current are these numbers?**

**A:** Every fee was read from the provider's own pricing page; the latest check was 2026-09-24, and each figure in the calculator links to its source. A fee a provider does not publish as one number is listed under Not counted instead of guessed.

## Change the comparison

Query parameters: country (ISO 3166-1 alpha-2 code), a and b (path ids below), price (10-1000 USD), sales (1-500 a month), intl (0-100 %), refunds (0-20 %), disputes (0-5 %). Values out of range are clamped; an unknown country or path falls back to the default.

Example: https://edgekits.dev/en/tools/repo-access-cost-calculator.md?country=US&a=polar&b=stripe.repoaccess-core&price=99&sales=20&intl=35&refunds=5&disputes=1.5

Path ids:

- github-sponsors: GitHub Sponsors
- polar: Polar
- dodo: Dodo Payments
- buymyrepo: BuyMyRepo
- gitpaywall: GitPaywall
- anystack: Anystack
- gitbuyer: gitbuyer
- stripe.repoaccess-core: Stripe + RepoAccess Core
- stripe.repoaccess-pro: Stripe + RepoAccess Pro
- paddle.repoaccess-pro: Paddle + RepoAccess Pro
- lemon-squeezy.repoaccess-pro: Lemon Squeezy + RepoAccess Pro
- gumroad.repoaccess-pro: Gumroad + RepoAccess Pro
- razorpay.repoaccess-pro: Razorpay + RepoAccess Pro
- telegram-stars.repoaccess-pro: Telegram Stars + RepoAccess Pro
- stripe.keyplar-pro: Stripe + Keyplar Pro
- lemon-squeezy.keyplar-pro: Lemon Squeezy + Keyplar Pro
- polar.keyplar-pro: Polar + Keyplar Pro
- stripe.honorbox: Stripe + Honorbox
- stripe.honorbox-pro: Stripe + Honorbox Pro
- stripe.pay2clone: Stripe + Pay2Clone
- dodo.pay2clone: Dodo Payments + Pay2Clone
- lemon-squeezy.lemonrepo: Lemon Squeezy + Lemonrepo
- stripe.diy-vercel: Stripe + DIY script on Vercel Pro
- gumroad.diy-vercel: Gumroad + DIY script on Vercel Pro
- stripe.zapier: Stripe + Zapier
- stripe-managed-payments.zapier: Stripe Managed Payments + Zapier
- paddle.zapier: Paddle + Zapier
- lemon-squeezy.zapier: Lemon Squeezy + Zapier
- gumroad.zapier: Gumroad + Zapier
- razorpay.zapier: Razorpay + Zapier
- whop.zapier: Whop + Zapier
- patreon.zapier: Patreon + Zapier
- ko-fi.zapier: Ko-fi + Zapier
- buy-me-a-coffee.zapier: Buy Me a Coffee + Zapier
- stripe.make: Stripe + Make
- stripe-managed-payments.make: Stripe Managed Payments + Make
- paddle.make: Paddle + Make
- lemon-squeezy.make: Lemon Squeezy + Make
- gumroad.make: Gumroad + Make
- razorpay.make: Razorpay + Make
- whop.make: Whop + Make
- patreon.make: Patreon + Make
- ko-fi.make: Ko-fi + Make
- buy-me-a-coffee.make: Buy Me a Coffee + Make
- stripe.n8n: Stripe + n8n
- stripe-managed-payments.n8n: Stripe Managed Payments + n8n
- paddle.n8n: Paddle + n8n
- lemon-squeezy.n8n: Lemon Squeezy + n8n
- gumroad.n8n: Gumroad + n8n
- razorpay.n8n: Razorpay + n8n
- whop.n8n: Whop + n8n
- patreon.n8n: Patreon + n8n
- ko-fi.n8n: Ko-fi + n8n
- buy-me-a-coffee.n8n: Buy Me a Coffee + n8n

Interactive version: https://edgekits.dev/en/tools/repo-access-cost-calculator/