Payments
Payment processors and merchant of record services.
Tool | Category | Segment | Platform | Plan | Monthly Price USD | Pricing Model | Free Tier / Trial | Processing / Platform Fee | Fixed Fee | Merchant of Record / Tax Handling | Subscriptions / Billing | Checkout / Payment Links | Payment Methods | Countries / Currencies | Payouts / Settlement | Developer API / SDK | Fraud / Chargebacks | Invoicing / Tax Add-ons | Best Fit | Main Limits / Caveats |
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No tagline | Payments | Payment processor | Stripe | Standard | $0 | Pay-as-you-go processing | Yes; no setup or monthly fee | 2.9% domestic card fee in US; +1.5% international card; +1% currency conversion | $0.30 per successful domestic card transaction | Not MoR by default; merchant handles tax unless using Stripe Tax or Managed Payments | Checkout supports subscriptions; Stripe Billing pricing applies to recurring billing | Checkout and Payment Links included with Payments; custom Checkout domain $10/mo | Cards, wallets, ACH, bank payments, 100+ payment methods globally | 195 countries, 135+ currencies listed | Standard payout schedule free; instant payouts 1.5% with minimum fee | Excellent APIs, SDKs, webhooks, CLI and docs | Radar included with platform; chargebacks/disputes have separate rules/fees | Stripe Tax PAYG or fixed plans; invoicing starts at 0.4% per paid invoice | Default choice for developers needing flexible payments API | Headline fee excludes cross-border, FX, billing, tax, invoice and add-on costs |
No tagline | Payments | Subscription billing add-on | Stripe | Billing PAYG | $0 | Usage fee on billing volume | No monthly base fee | 0.7% of Billing volume for subscriptions and recurring billing | No fixed fee beyond underlying payment processing | Not MoR; tax is separate | Full subscription billing, usage-based billing, customer portal and revenue recovery | Uses Checkout, Payment Links, hosted invoices or custom integration | Payment methods depend on Stripe Payments integration | Global Stripe coverage | Payouts through Stripe balance | Stripe Billing APIs, subscription schedules, meters and webhooks | Relies on Stripe payments/Radar/dispute stack | Stripe Tax and Invoicing charged separately | SaaS apps already on Stripe that need recurring billing | Adds on top of card processing; one-off invoices excluded from Billing volume rules |
No tagline | Payments | Invoicing add-on | Stripe | Invoicing Starter | $0 | Per paid invoice | No monthly base fee | 0.4% per paid invoice | Capped at $2 per invoice | Not MoR; Stripe Tax can be enabled separately | Recurring invoices can integrate with Billing; one-off invoices supported | Hosted invoice payment page | Stripe-supported payment methods | Global Stripe coverage | Payouts through Stripe balance | Invoice APIs and dashboard workflows | Stripe dispute/fraud stack on paid invoices | Stripe Tax optional; post-payment invoice option also listed | Simple invoices for services and B2B payments | Payment processing fees still apply in addition to invoice fee |
No tagline | Payments | Tax compliance add-on | Stripe | Tax PAYG | $0 | Percentage fee for tax-enabled transactions | No monthly base fee | 0.5% of volume where registered for tax collection in no-code/low-code flows | No fixed fee in PAYG percentage model | Calculates and collects tax; registration/filing options vary by plan/service | Works with Checkout, Subscriptions and Invoices | No separate checkout; add-on to Stripe payments flows | Same as Stripe payment flow | 100+ countries tax calculation coverage claimed by Stripe pricing page | No payout feature; tax add-on affects transactions | Stripe Tax APIs and Dashboard | No fraud feature; pairs with Stripe Payments | Additional registration/filing service pricing can apply | Stripe users that want tax calculation without a MoR | Not a merchant of record; you remain responsible for registrations and filings unless using paid services |
No tagline | Payments | Merchant of Record for SaaS | Paddle | Pay-as-you-go | $0 | All-in-one MoR transaction fee | Yes; no monthly fees | 5% per Checkout transaction | $0.50 per Checkout transaction | Yes; Paddle handles global sales tax/VAT/GST, fraud, chargebacks and buyer support | Subscriptions, billing, payment recovery and reporting included | Hosted/embedded checkout | Cards, PayPal and local payment methods through Paddle checkout | Global SaaS/app/digital product selling; multi-currency checkout | Paddle remits seller payouts after MoR processing | Paddle Billing API, webhooks, sandbox and docs | Fraud and chargeback protection included in MoR model | Tax compliance included; invoicing may require custom pricing for some cases | SaaS and digital products selling globally without tax ops | Products under $10 or invoicing can require custom pricing; only public self-serve row included |
No tagline | Payments | Merchant of Record for digital products | Lemon Squeezy | Ecommerce | $0 | MoR transaction fee | Yes; no trial or contract | 5% per transaction | $0.50 per transaction | Yes; Lemon Squeezy is MoR and handles sales tax/VAT/GST collection/remittance | Subscriptions, license keys, bundles, discounts and affiliate features included | Hosted checkout and product links | Cards, PayPal and global checkout methods depending buyer/location | Global digital product/SaaS sales | Payout to bank or PayPal; payout rules and extra fees can apply | API, webhooks and integrations | AI fraud protection listed; disputes handled inside MoR flow | Tax/VAT included; email marketing has separate free/paid feature set | Indie SaaS and digital downloads needing simple MoR | Small-ticket products suffer from fixed $0.50 fee; some payments may have additional fees |
No tagline | Payments | Merchant of Record | Polar | Starter | $0 | MoR transaction fee | ✓ | 5% per transaction | $0.50 per transaction | Yes; Polar is MoR for payments, tax, fraud and compliance | Subscriptions and digital product monetization supported | Hosted and embedded checkouts | Cards and payment methods supported by Polar checkout | Global digital product/SaaS sales | Seller payouts through Polar | Open-source friendly APIs and docs | Fraud and dispute prevention included in MoR model | Tax compliance included | Open-source projects and indie SaaS starting with MoR | Starter has highest variable fee; newer provider than Paddle/Lemon Squeezy |
No tagline | Payments | Merchant of Record | Polar | Pro | $20/mo | Monthly fee + lower MoR transaction fee | ✕ | 3.8% per transaction | $0.40 per transaction | Yes; MoR tax/compliance included | Subscriptions and digital products supported | Hosted and embedded checkouts | Cards and supported checkout methods | Global digital product/SaaS sales | Seller payouts through Polar | APIs/docs; open-source orientation | Fraud/dispute prevention included | Tax compliance included | Indie SaaS with enough sales to reduce MoR fee | Break-even versus Starter depends on monthly sales volume |
No tagline | Payments | Merchant of Record | Polar | Growth | $100/mo | Monthly fee + lower MoR transaction fee | ✕ | 3.6% per transaction | $0.35 per transaction | Yes; MoR tax/compliance included | Subscriptions and digital products supported | Hosted and embedded checkouts | Cards and supported checkout methods | Global digital product/SaaS sales | Seller payouts through Polar | APIs/docs | Fraud/dispute prevention included | Tax compliance included | Growing SaaS/digital product sellers | Higher base fee; only worth it above stated sales threshold |
No tagline | Payments | Merchant of Record | Polar | Scale | $400/mo | Monthly fee + lower MoR transaction fee | ✕ | 3.4% per transaction | $0.30 per transaction | Yes; MoR tax/compliance included | Subscriptions and digital products supported | Hosted and embedded checkouts | Cards and supported checkout methods | Global digital product/SaaS sales | Seller payouts through Polar | APIs/docs | Fraud/dispute prevention included | Tax compliance included | Higher-volume sellers wanting public MoR pricing | Large monthly fee; support is Slack plus prioritized support, not custom enterprise |
No tagline | Payments | Merchant of Record for SaaS/AI | Dodo Payments | Standard | $0 | MoR transaction fee | ✓ | 4% per domestic US cards/wallets transaction | $0.40 per transaction | Yes; Dodo says cross-border tax and compliance are handled | Billing, subscriptions and distribution features included | Checkout and payment links/platform flows | Cards, wallets, Klarna/AfterPay/ClearPay, PayPal with method-specific notes | Global business and international payments supported | Payouts through Dodo; fee noted if payout below threshold | Docs/API available | Fraud/compliance handled by MoR model | Tax compliance included | AI/SaaS products wanting lower headline MoR fee | Pricing has method-specific exceptions and payout fees; Enterprise custom excluded |
No tagline | Payments | Creator commerce / MoR marketplace | Gumroad | Website sales | $0 | Platform fee plus payment processing | ✓ | 10% Gumroad fee on Gumroad website sales; card/PayPal processing separate | $0.50 Gumroad fixed fee plus card/PayPal fixed fees | Gumroad handles sales tax/VAT in its MoR model for supported sales | Memberships/subscriptions and digital products supported | Gumroad product pages and checkout | Cards and PayPal depending buyer/account | Global creator sales | Gumroad payout schedule and supported payout methods | Basic API and integrations | Refund fees are not refunded; disputes/processing fees apply | Tax handled for supported sales | Creators who want marketplace/simple product pages over low fees | Direct sales can be expensive because Gumroad fee excludes card/PayPal processing |
No tagline | Payments | Creator marketplace | Gumroad | Marketplace / Discover | $0 | Marketplace fee | ✓ | 30% flat fee for Gumroad marketplace/discovery sales | Processing included in 30% marketplace fee | Gumroad MoR/tax handling for supported sales | Digital products and memberships | Gumroad marketplace and checkout | Cards/PayPal through Gumroad | Global creator marketplace | Gumroad payout schedule | Basic API/integrations | Refund fees not returned | Tax handled for supported sales | Discovery-driven creator sales | Very high take rate; only rational if marketplace distribution is valuable |
No tagline | Payments | Payment processor / wallet checkout | PayPal | Checkout | $0 | PayPal online payment service fee | Yes; no monthly fee for standard checkout | 3.49% domestic PayPal Checkout / Pay with Venmo / Guest Checkout fee in US table | $0.49 fixed fee for USD | Not MoR; merchant handles tax/compliance | Subscriptions possible through PayPal subscriptions/recurring tools | PayPal buttons and hosted checkout | PayPal, Venmo, PayPal Guest Checkout, cards depending product | Strong global wallet recognition; country-specific fees | PayPal balance/bank payout flow | REST APIs, SDKs, webhooks and buttons | Seller Protection; chargeback/dispute fees can apply | Invoicing and recurring tools available; some tools have monthly fees | Adding a familiar wallet option to checkout | Higher fixed fee hurts low-ticket products; fee table varies by product/country |
No tagline | Payments | Payment processor | PayPal | Advanced Credit/Debit Cards | $0 | Card processing fee | Yes; no monthly fee in merchant fee table | 2.99% for Advanced Credit and Debit Card Payments in US table | $0.49 fixed fee for USD | Not MoR | Can support recurring payments with PayPal products/tools | PayPal-hosted or advanced card checkout integrations | Cards, debit/credit, PayPal ecosystem | Country-specific availability | PayPal payout flow | PayPal APIs/SDKs | Chargeback protection add-ons have separate fees | Recurring billing tools may have separate monthly fees | Businesses wanting card processing plus PayPal ecosystem | Costs and features are spread across several PayPal fee tables/products |
No tagline | Payments | Payment processor | Braintree | Standard | $0 | PayPal Braintree processing fee | Yes; no monthly fee listed for standard processing | 2.89% for cards and third-party digital wallet transactions | $0.29 per transaction | Not MoR | Subscriptions available through Braintree/PayPal ecosystem | Drop-in UI and custom checkout integrations | Cards, PayPal, Venmo, ACH direct debit | US pricing row; global availability varies | Merchant account settlement via Braintree/PayPal | Braintree SDKs and GraphQL/REST APIs | $15 chargeback fee in US pricing PDF; refund fees not returned | No tax remittance built in | Developers needing PayPal/Venmo/card stack with custom checkout | Eligibility/application required; official public pricing PDF is US-specific |
No tagline | Payments | POS + online processor | Square | Free | $0 | Processing-only free account | ✓ | 2.9% for online/API payments in US fee page | $0.30 per online/API transaction | Not MoR; seller handles tax except Square tax tools/settings | Subscriptions, invoices and online store features available in Square ecosystem | Online Checkout, Payment Links, Square Online and API | Cards, wallets, Cash App Pay and Square-supported methods | US-focused row; Square operates in selected countries | Square balance/bank payouts; instant transfer may cost extra | Square APIs, Web Payments SDK | Risk/disputes handled through Square; fees/rules vary | Invoices and Square tax settings; no global MoR tax remittance | Small businesses mixing online and in-person payments | Best if Square ecosystem fits; less flexible for global SaaS than Stripe/Paddle |
No tagline | Payments | POS + online processor | Square | Invoices | $0 | Invoice card processing fee | ✓ | 3.3% for cards sold/paid online through Square invoice/eGift style card-not-present flows noted by Square help | $0.30 fixed fee in Square support examples | Not MoR | Invoices and recurring invoices available | Hosted invoice payment page | Cards and Square-supported payment methods | Selected Square markets | Square payouts | Square APIs plus dashboard | Square disputes/risk rules | Invoicing built in; global tax compliance not included | Simple service invoices without custom billing code | Fee can differ from standard online API payments; verify exact Square product |
No tagline | Payments | Enterprise payment processor | Adyen | Standard | $0 | Processing fee + method fee | No monthly plan shown | Payment method fee defined by card/payment method; US cards shown as interchange++/method-defined | $0.13 processing fee per transaction in pricing page | Not MoR by default; merchant handles tax | Recurring and tokenized payments supported | Drop-in/components and API checkout | Cards, wallets, bank payments and many local methods | Global acquiring/payment coverage | Settlement through Adyen account by region | Adyen APIs, webhooks, libraries and components | RevenueProtect/fraud tools available; disputes managed in Adyen | No tax remittance by default | Scaling companies needing global acquiring and payment optimization | Pricing is less simple than flat-rate PSPs; best for teams comfortable with payment ops |
No tagline | Payments | European payment processor | Mollie | Standard | $0 | Per successful transaction | Yes; no minimum costs or lock-in | EEA consumer Visa/Mastercard online card rate shown as 1.80%; commercial cards 2.90%; non-EEA cards 3.25% | EUR 0.25 fixed fee for listed online card examples | Not MoR; merchant handles tax/compliance | Recurring, subscriptions and payment links supported via Mollie APIs/products | Hosted Checkout and payment links | Cards, iDEAL, SEPA, PayPal and many European/local methods | Strong Europe focus; multi-currency payouts listed | Payout frequency configurable; multi-currency payouts supported | Mollie APIs, libraries, docs | Chargebacks/disputes depend on method; fraud/risk tooling available | No global tax remittance by default | EU/UK businesses needing local payment methods quickly | Pricing and availability are region/currency-specific; not universal US SaaS default |
No tagline | Payments | Subscription billing platform | Chargebee | Starter | $0/mo | Billing platform revenue share after cumulative free allowance | ✓ | Free for first $250K cumulative billing, then 0.75% on billing | No fixed per-transaction fee from Chargebee; payment gateways charge separately | Not MoR; supports multi-region sales tax features but merchant/gateway setup matters | Flexible subscriptions, usage-based and hybrid billing | Checkout, hosted payments, self-serve portal, payment links | 35+ payment gateway integrations | Global billing/currency support depends on gateways | Payouts handled by connected payment gateways | APIs, hosted checkout and integrations | Dunning/retry features; gateway fraud/dispute rules still apply | Multi-region sales tax support; RevRec/CPQ add-ons separate | Startups needing billing engine across gateways | Not a processor; you still pay Stripe/Adyen/etc. and own MoR/tax obligations |
No tagline | Payments | Subscription billing platform | Chargebee | Performance | $599/mo equivalent | Annual commitment billed monthly | ✕ | $7,188/year for up to $100K billing/mo | Gateway fees still separate; plan overages/add-ons can apply | Not MoR; tax support but not seller-of-record | Starter plus advanced invoices, smart dunning, migration support, engineering consultation | Checkout, hosted payments, customer portal | 35+ gateway integrations | Global billing/currency support | Gateway handles payout | APIs and integrations | Smart dunning; fraud/dispute through gateways | CPQ/RevRec/Growth add-ons have their own pricing | Scaling subscription businesses that need billing ops | Annual commitment; enterprise custom excluded |
No tagline | Payments | Subscription management | Recurly | Starter | $249/mo after promo | Monthly platform fee + TPV overage | First 3 months promo for new customers | No payment volume fee for first $40K/month TPV; 0.9% on TPV beyond $40K/month | Gateway/payment processor fees separate | Not MoR; merchant bank/gateway/tax setup remains separate | Subscription management, plans, promotions, dunning and reporting | Hosted Payment Pages and checkout features | 20+ gateways and 10+ payment methods including Stripe/Braintree/Adyen/PayPal | 140+ currencies listed | Connected gateway/merchant account handles payouts | Recurly API and webhooks | Dunning, retries; fraud/dispute via gateway or add-ons | Revenue recognition and app management add-ons available | Subscription businesses needing processor-agnostic billing | After promo there is a platform fee; Professional/Elite are pricing-request and excluded |
No tagline | Payments | App-store subscription backend | RevenueCat | Pro | $0 until threshold | Revenue share on monthly tracked revenue | ✓ | Free up to $2.5K monthly tracked revenue; 1% of MTR after $2.5K | No fixed fee from RevenueCat; Apple/Google/Stripe fees remain separate | Not MoR; app stores/Stripe handle payments and tax by channel | Cross-platform subscriptions, entitlements, paywalls, experiments and web billing support | No-code paywalls and purchase flows; app-store purchase SDKs | Apple App Store, Google Play, Stripe/web integrations depending app | Global app store/web monetization | Payouts come from App Store/Google/Stripe, not RevenueCat | Mobile/web SDKs, APIs and webhooks | Fraud/disputes handled by underlying store/payment platform | Tax handled by stores/Stripe channel, not RevenueCat itself | Mobile apps with cross-platform subscriptions | Not a payment processor; fee is on tracked revenue and underlying platform fees still apply |
No tagline | Payments | India payment gateway | Razorpay | Standard | $0 | Per transaction gateway fee | Yes; zero setup/maintenance fee | 2% standard domestic payment gateway fee in official pricing page | No common fixed fee for standard domestic gateway row; GST applies on Razorpay fee | Not MoR; merchant handles tax/compliance | Subscriptions, payment links, invoices and route tools in Razorpay ecosystem | Checkout, Payment Links, Payment Pages | UPI, cards, netbanking, wallets, EMI, PayLater and 100+ modes | India-first; international payments available with separate rules | Settlements to Indian bank account under Razorpay rules | APIs, SDKs, webhooks and docs | Risk/dispute rules through Razorpay/card networks | Invoices/payment pages; no global MoR tax remittance | India-based startups needing UPI and local methods | India entity/KYC/regulatory constraints; GST on fees and method-specific rates |
No tagline | Payments | African payment gateway | Paystack | Local transactions | $0 | Per successful local transaction | Yes; zero integration/maintenance fee | 1.5% local transaction fee in Nigeria | NGN 100 fixed fee, waived for transactions under NGN 2,500; fees capped at NGN 2,000 | Not MoR; merchant handles taxes/compliance | Subscriptions, invoices and payment pages supported | Checkout, Payment Pages, invoices | Cards, bank transfer, USSD, mobile money and local methods depending country | Nigeria and other African markets; international cards available | Free automatic settlement within 24 hours per pricing page | APIs, SDKs and webhooks | Disputes and fraud handled through Paystack/payment networks | No MoR tax remittance | Africa-focused startups needing local payment methods | Pricing shown here is Nigeria-focused; country pricing differs |
No tagline | Payments | African payment gateway | Paystack | International transactions | $0 | Per successful international transaction | ✓ | 3.9% international transaction fee in Nigeria | NGN 100 fixed fee | Not MoR | Subscriptions and payment pages supported | Checkout/payment pages | International cards plus Paystack methods | International cards charged/settled under Paystack rules | Paystack settlement; USD settlement option mentioned | APIs/SDKs/webhooks | Dispute/fraud through Paystack/payment networks | No global tax remittance | Nigerian/African businesses selling to international customers | International settlement/currency rules need country-by-country review |