Paperstac Platform Fee Overview
At Paperstac, we charge a graduated, tiered platform fee per party, based on the purchase price of the transaction. This means both the buyer and the seller pay their own fee, calculated separately using the tiered rates below.
Fees are applied progressively, meaning different portions of the transaction amount are charged at different rates—similar to how tax brackets work. You only pay the higher tier rate on the portion of the sale that falls within that tier.
In addition, escrow is included at no charge for transactions of $100,000 or more. For transactions under $100,000, a $500 escrow fee is applied—split equally between buyer and seller ($250 each).
Note: These tiers apply per party—each party pays their own portion of the platform fee based on the total sale price.
Tiers | Fees |
$0 - $100K | 1.85% (minimum fee of $375) |
$100K - $200K | 1% |
$200K - $1MM | 0.75% |
$1MM - $5MM | 0.5% |
$5MM+ | 0.33% |
We have created a Chrome Extension to make it easy to calculate the fee you will pay on the site. Click the button below to download the extension.
Example 1: $30,000 Purchase Price (Escrow Applied)
Buyer Fee: 1.85% × $30,000 = $555
Seller Fee: 1.85% × $30,000 = $555
Escrow Fee: $500 split → $250 each
✅ Total per party: $555 (platform fee) + $250 (escrow) = $805
✅ Total transaction fees (both parties combined): $1,610
Example 2: $125,000 Purchase Price (Escrow Waived)
Fee Breakdown (per party):
First $100,000 × 1.85% = $1,850
Remaining $25,000 × 1.00% = $250
Total Platform Fee per party: $1,850 + $250 = $2,100
Escrow Fee: Waived (free for both parties)
✅ Total per party: $2,100
✅ Total transaction fees (both parties combined): $4,200
No Seller Fees for Eligible Hard Money Loans
Paperstac does not charge a platform fee to sellers for qualifying hard money loans. To be eligible, the loan must meet the following criteria:
First-position lien
Interest-only payments
Maturity date is less than 36 months from today
Originated within the last 6 months
If your loan meets these requirements, you can list and sell it on Paperstac without incurring a seller-side platform fee. Buyers will still be responsible for the standard platform fee.
What’s Included in the Paperstac Transaction Fee?
Not only do you get to use our modern transaction engine, but we've also tried to include any real-world costs that are a part of any note transaction (online or offline) into a single cost-effective fee. Every transaction on Paperstac includes the following:
Disclaimer
Recording fees are NOT part of the escrow service or included in Paperstac’s transaction fee. If you need your documents recorded after a closing, click here to place your order.
Escrow Included (on $100K+ transactions)
Paperstac will cover all escrow costs on transactions with a sale price over $100K (an $890+ value*). If your transaction is below $100K, each party (buyer and seller) will need to pay $250 for escrow, or you can skip escrow altogether for no additional charge.Collateral Verification Report
A collateral verification report from a third-party vendor is provided. The verification consists of analyzing the seller's physical collateral file and determining the authenticity of the items included (original note, mortgage, title policy, etc.).Express Shipping
Paperstac provides FedEx shipping labels for both the shipment of the collateral file from the seller to the auditor and from the auditor to the buyer.eNotarization
Get a digital notarization (valid in 49 states excluding Iowa) on the Assignment of Mortgage via an interactive video chat with an online notary. Not only is an eNotarization more convenient than visiting a traditional notary, but it is also more secure!eSignature Service
Paperstac provides a convenient electronic signature service for all documents.
*Escrow value based on $100,000 purchase price using escrow.com service.