Our fee is only based on online bidding, not on the collection of funds. You are welcome to integrate with PayPal or Stripe or take payment outside of the system (cash, check, cc). 
Biddingowl does not charge additional fees above 5% of all your final online bids. Any revenue generated through Admission Tickets, Fund-A-Need/Tickets, or your Donation button on your auction home page is NOT subject to the 5% fee.
However, PayPal/Stripe and Credit Card fees still apply if you integrate with PayPal or Stripe for credit card processing. These will be charged directly through your PayPal/Stripe account. If you are unsure about your credit card rates/fees, as they may vary depending on the account type, please contact PayPal or Stripe.