PayNow
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COMPARISON

Tip4Serv is store software.
PayNow is the merchant.

Tip4Serv is your store’s business logic wired to a payment processor API, Stripe for example. You bring the processor account, they take 5% of every payment into it, their fee does not include the processor’s, and tax is not remitted for you.

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PLATFORM FEE
PayNow2.5%as low as, plus the gateway fee. Nothing else.
Tip4Serv5%3.8% on paid PRO, plus all of your own processor fees
Their percentage sits on top of the processor stack you are already paying, and you stay the seller of record on every order.
MERCHANT OF RECORD
PayNowYouPayNow, we are the seller on every orderTip4Serv, Tip4Serv sells through your Stripe
PAYMENT ACCOUNT
None to set upYoursPayNow, processing is part of the platformTip4Serv, bring and verify your own processor
TAX AND FILING
HandledYoursPayNow, registered, collected and remittedTip4Serv, their docs: not remitted for you

Line by line

Tip4Serv
Platform fee
5%, or 3.8% on the paid PRO plan
Processing fees
Your processor’s fees, on top and not included
Fee charged on
Every payment into your own processor account
Merchant of Record
You are the seller
Tax registration and filing
Not remitted on your behalf
Disputes
Filed against your own account at $15 each on Stripe. They auto-submit evidence.
Dispute ratio
Sits on your own merchant account
Fraud screening
Your processor’s tools, tuned and owned by you
Payment methods
Whatever your own processor account supports
Local entity routing
Not offered
Rust skin payments
Not offered
Getting started
Open and verify a processor account first
VS
PayNowMERCHANT OF RECORD
Platform fee2.5–3.5% by plan
Processing feesGateway fee passed through, nothing on top
Fee charged onWhat is left after the gateway cost
Merchant of RecordPayNow is the seller on every order
Tax registration and filingRegistered, collected and remitted by us
DisputesOurs to fight, no per-dispute fee
Dispute ratioSits with us
Fraud screeningIncluded
Payment methods120+ local methods, one toggle each
Local entity routingEU payments routed through our EU entity
Rust skin paymentsYes
Getting startedSign up and start selling
Tip4Serv figures as published on tip4serv.com and docs.tip4serv.com, checked August 2026. See every method and its gateway fee →

In their words

Quoted from Tip4Serv’s own pricing page and documentation.
THE FEE
Tip4Serv takes 5% (or 3.8% for the PRO plan) on every payment you receive on your Stripe account”
PROCESSING
Tip4Serv fees do not include Stripe fees”
TAX
does not remit taxes on your behalf”
Tip4Serv figures as published on tip4serv.com and docs.tip4serv.com, checked August 2026.

Included with PayNow. Yours on Tip4Serv.

Tip4Serv gives you the store logic. The payments account, and every liability attached to it, stays yours.

The processor account

You apply, get approved and stay approved. Digital goods sold to a young global audience is a risk category.

Tax registration and filing

EU OSS, UK VAT and US state nexus registrations, returns and deadlines are all yours.

Disputes and the ratio

$15 a dispute either way, and a ratio that can end your own account. They automate the evidence, but the liability stays with you.

Fraud tuning

Rules, thresholds and the losses when they are set too loose or too tight.

Method coverage

You get whatever your own processor supports, and local coverage is your integration work.

Buyer support

Receipts, refunds and payment questions come to you, because you are the seller.

Questions