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Category	teachable:pay (TP)	Custom Payment Gateway (CPG)
Best Fit For	Creators looking for an end-to-end, managed solution with global tax handling	Creators who want full control over tax collection, payouts, and the ability to connect an existing Stripe Standard account.
Processing Fees	U.S. Cards: 2.9% + 30¢ Int’l Cards: 3.9% + 30¢ U.S. PayPal: 3.49% + 49¢ (Back office required) Int’l PayPal: 4.99% + 49¢ (Back office required) Int’l non-US/EU/AU school: 4.4% + 30¢	Based on creator’s Stripe Standard agreement
Transaction Fees	Basic: 5% Pro/Pro+/Business: 0%	US-based: 2% per transaction Int’l-based: 0%
Buy Now Pay Later	6.99% + 30¢	Not supported
Chargeback Fee	$15	Based on Stripe Standard terms
BackOffice Services	Optional 2–2.8% fee for automated author/affiliate payouts and tax form collection	Not available
Supported Payment Methods	Credit/Debit Card, Apple Pay, Google Pay, PayPal, BNPL (Klarna, Afterpay, Affirm), Stripe Link	Credit/Debit Card, Stripe Link, PayPal supported (direct integration with Stripe and PayPal accounts)
Checkout Experience	Fully integrated, flexible, and optimized	Fully integrated, flexible, and optimized
Pricing Flexibility	One-time purchases, product bundles, subscriptions, payment plans	All pricing options available except PayPal not supported for subscription payments
Sales Tools	Upsells, order bumps, affiliate marketing, student referrals, abandoned cart recovery	Fully supported
Tax Handling	Automated calculation, collection, and remittance of US sales tax, EU/UK VAT, and select global taxes Tax-inclusive pricing (boosts conversion up to 22%)	Teachable will not automatically handle calculation, collection, and remittance of tax. Tax inclusive pricing is not offered to schools on CPG.
Affiliate/Author Payouts	Automated via BackOffice	Manual (no automated payout or tax form collection)
Payout Timing	Daily, weekly, or monthly	Instant payout directly to connected Stripe or PayPal account
API & Webhooks	Robust API and webhooks for admin and headless content delivery	Fully Supported
Refund Handling	14-day refund guarantee automatically applied	Creator managed
Summary of feature availability	All platform selling features available. Integrated and flexible checkout Flexible payment methods (Credit/Debit Card, Apple, Pay, Google Pay, PayPal, and Buy Now, Pay Later (via Klarna, Afterpay, and Affirm) Flexible pricing options with one-time purchases, product bundles, recurring subscriptions, and payment plans. Upsells and order bumps Automated abandoned cart recovery Affiliate marketing Student referrals Tax-inclusive pricing (boosts conversion up to 22%) Automated tax calculation, collection, and remittance for creators Automated Affiliate & Author payouts and tax form collection Powerful API and webhook offering for Admin management and headless content delivery	All platform selling features available except: Schools with CPG can not opt-in to BackOffice services—which means Teachable can not automatically pay out school authors/affiliates or collect tax author/affiliate tax forms. No automatic remittance of US sales tax, EU/UK VAT tax, and other digital content taxes outside of the US/EU, when applicable. Apple Pay, Google Pay, BNPL, Stripe Link, ACH, and PayPal are not available as student payment options.