1. Lemon Squeezy
percentagePayments, subscriptions and MoR for indie SaaS
No-code setup. 5% + $0.50 per transaction. Acquired by Stripe 2024..
Ease 5/5Fees 4/5Conv 2/5MoR
Best if:saas, indie dev, digital products, license keys
Best No-Code Payment Tools (1970)
Tools where you can go from signup to live checkout without touching a backend.
26 tools matched
Why it matters
Most creators don't have an engineer. No-code tools let you launch, test pricing, and grow before you commit to a custom integration.
2. Polar
percentageOpen-source monetization for developers
No-code setup. 4% + $0.40 per transaction (lowest MoR fees on the market).
Ease 5/5Fees 5/5Conv 2/5MoR
Best if:indie dev, open source, developers, digital products
3. Gumroad
percentageSell anything digital, instantly
No-code setup. 10% + $0.50 per transaction (direct). 30% via Gumroad marketplace. MoR since January 2025 — handles all global tax..
Ease 5/5Fees 2/5Conv 3/5MoR
Best if:ebooks, templates, courses, indie creators
4. Payhip
freemiumSell digital products and memberships
No-code setup. Free: 5% fee. Plus $29/mo: 2%. Pro $99/mo: 0%.
Ease 5/5Fees 4/5Conv 2/5
Best if:ebooks, templates, courses, memberships
5. Beehiiv
flat monthlyNewsletter platform with paid subscriptions and ad network
No-code setup. Free Launch plan. Scale $43/mo. Max $96/mo. Enterprise: custom. 0% platform fee on paid subscriptions..
Ease 5/5Fees 4/5Conv 4/5
Best if:newsletters, creators, paid subscriptions, ad monetization
6. Substack
percentagePublish and monetize newsletters
No-code setup. 10% of paid subscription revenue. Stripe handles payments..
Ease 5/5Fees 2/5Conv 3/5
Best if:newsletters, writers, podcasts, new creators
7. Skool
flat monthlySimple community and course platform
No-code setup. $99/month flat. 2.9% + $0.30 transaction fee..
Ease 5/5Fees 3/5Conv 3/5
Best if:communities, courses, memberships, coaching
8. Podia
freemiumAll-in-one platform for courses, memberships, and digital products
No-code setup. No free plan (removed 2024). 30-day free trial. Mover $39/mo ($33/mo annual, 5% fee). Shaker $89/mo ($75/mo annual, 0% fee)..
Ease 5/5Fees 3/5Conv 3/5
Best if:courses, memberships, digital products, creators
9. Memberful
percentageMembership subscriptions for independent creators
No-code setup. Free (10% + Stripe fees). Pro $49/mo (4.9%). Premium $199/mo (0% transaction fee)..
Ease 5/5Fees 3/5Conv 3/5
Best if:memberships, newsletters, creators, podcasts
10. Patreon
percentageMembership platform for creators
No-code setup. Lite: 8% of earnings. Pro: 12%. Premium: 15%. Stripe fees on top..
Ease 5/5Fees 2/5Conv 4/5
Best if:creators, memberships, podcasts, artists
11. Adapty
free until thresholdMobile subscriptions with paywall optimization
No-code setup. Free up to $10k MTR, then 1% of revenue.
Ease 4/5Fees 5/5Conv 5/5
Best if:ios, android, react native, flutter
12. Nami ML
free until thresholdNo-code paywall builder and A/B testing for mobile
No-code setup. Free plan available, paid from $149/month.
Ease 4/5Fees 3/5Conv 5/5
Best if:ios, android
13. Whop
percentageSell communities, courses, and software access
No-code setup. 3% platform + Stripe fees (~5.7–7.2% all-in).
Ease 4/5Fees 4/5Conv 3/5
Best if:communities, courses, memberships, discord access
14. Kit
flat monthlyCreator email marketing with paid subscriptions
No-code setup. Free up to 10,000 subscribers. Creator from $25/month..
Ease 4/5Fees 3/5Conv 3/5
Best if:creators, newsletters, courses, digital products
15. Circle
flat monthlyCommunity platform with courses and memberships
No-code setup. Professional $89/mo. Business $199/mo (lower transaction fees, branded apps add-on). Circle Plus: custom pricing for large-scale businesses. 0% transaction fee on Professional and above..
Ease 4/5Fees 3/5Conv 3/5
Best if:communities, courses, memberships, creators
16. Kajabi
flat monthlyAll-in-one platform for online courses and memberships
No-code setup. Basic $143/mo, Growth $199/mo, Pro $399/mo (annual billing). Kajabi Payments: 2.7-2.9% + $0.30. 0-2% fee on 3rd-party payment providers depending on plan..
Ease 4/5Fees 1/5Conv 4/5
Best if:courses, memberships, coaching, creators
17. MemberPress
flat annualWordPress membership and subscription plugin
No-code setup. Basic $179/year. Plus $299/year. Pro $399/year..
Ease 4/5Fees 4/5Conv 3/5
Best if:wordpress, memberships, courses, content paywalls
18. Easy Digital Downloads
flat annualSell digital products on WordPress
No-code setup. Personal $99/year. Extended $199/year. Professional $299/year..
Ease 4/5Fees 4/5Conv 2/5
Best if:wordpress, digital products, ebooks, software
19. Leaky Paywall
flat monthlyWordPress paywall for independent publishers
No-code setup. From $99/month.
Ease 4/5Fees 3/5Conv 2/5
Best if:wordpress, local news, independent publishers
20. Thinkific
freemiumCreate and sell online courses and memberships
No-code setup. No free plan. Basic $49/mo ($36/mo annual). Start $74/mo. Grow $149/mo. 0% transaction fee..
Ease 4/5Fees 4/5Conv 3/5
Best if:courses, memberships, creators, coaching
21. Teachable
freemiumSell online courses and coaching
No-code setup. Free (1 product, $1+10% fee). Basic $39/mo. Pro $119/mo. Pro+ $199/mo..
Ease 4/5Fees 3/5Conv 3/5
Best if:courses, coaching, creators, memberships
22. Mighty Networks
flat monthlyCommunity platform with courses and memberships
No-code setup. Courses $33/mo (3% transaction). Business $99/mo (2%). Path-to-Pro $360/mo (0%)..
Ease 4/5Fees 3/5Conv 3/5
Best if:communities, courses, memberships, creators
23. Superwall
usage basedPaywall optimization layer for mobile apps
No-code setup. Free up to 250 conversions/month, then $0.20/conversion.
Ease 3/5Fees 3/5Conv 5/5
Best if:ios, android
24. Purchasely
flat monthlyMobile subscription infrastructure with paywall builder
No-code setup. From €249/month.
Ease 3/5Fees 3/5Conv 4/5
Best if:ios, android, react native, flutter
25. Ghost
flat monthlyOpen-source publishing with built-in paid memberships
No-code setup. Self-hosted: free. Ghost(Pro): from $18/month. 0% platform fee on memberships..
Ease 3/5Fees 5/5Conv 3/5
Best if:newsletters, blogs, memberships, indie creators
26. Poool
flat monthlyPaywall and audience conversion for mid-size publishers
No-code setup. From €149/month.
Ease 3/5Fees 3/5Conv 4/5
Best if:publishers, news, media, registration walls
Quick comparison
| Tool | Pricing | MoR | A/B | Ease | Fees |
|---|---|---|---|---|---|
| Lemon Squeezy | 5% + $0.50 per transaction. Acquired by Stripe 2024. | Yes | — | 5/5 | 4/5 |
| Polar | 4% + $0.40 per transaction (lowest MoR fees on the market) | Yes | — | 5/5 | 5/5 |
| Gumroad | 10% + $0.50 per transaction (direct). 30% via Gumroad marketplace. MoR since January 2025 — handles all global tax. | Yes | — | 5/5 | 2/5 |
| Payhip | Free: 5% fee. Plus $29/mo: 2%. Pro $99/mo: 0% | — | — | 5/5 | 4/5 |
| Beehiiv | Free Launch plan. Scale $43/mo. Max $96/mo. Enterprise: custom. 0% platform fee on paid subscriptions. | — | Yes | 5/5 | 4/5 |
| Substack | 10% of paid subscription revenue. Stripe handles payments. | — | — | 5/5 | 2/5 |
| Skool | $99/month flat. 2.9% + $0.30 transaction fee. | — | — | 5/5 | 3/5 |
| Podia | No free plan (removed 2024). 30-day free trial. Mover $39/mo ($33/mo annual, 5% fee). Shaker $89/mo ($75/mo annual, 0% fee). | — | — | 5/5 | 3/5 |
| Memberful | Free (10% + Stripe fees). Pro $49/mo (4.9%). Premium $199/mo (0% transaction fee). | — | — | 5/5 | 3/5 |
| Patreon | Lite: 8% of earnings. Pro: 12%. Premium: 15%. Stripe fees on top. | — | — | 5/5 | 2/5 |
| Adapty | Free up to $10k MTR, then 1% of revenue | — | Yes | 4/5 | 5/5 |
| Nami ML | Free plan available, paid from $149/month | — | Yes | 4/5 | 3/5 |
| Whop | 3% platform + Stripe fees (~5.7–7.2% all-in) | — | — | 4/5 | 4/5 |
| Kit | Free up to 10,000 subscribers. Creator from $25/month. | — | — | 4/5 | 3/5 |
| Circle | Professional $89/mo. Business $199/mo (lower transaction fees, branded apps add-on). Circle Plus: custom pricing for large-scale businesses. 0% transaction fee on Professional and above. | — | — | 4/5 | 3/5 |
| Kajabi | Basic $143/mo, Growth $199/mo, Pro $399/mo (annual billing). Kajabi Payments: 2.7-2.9% + $0.30. 0-2% fee on 3rd-party payment providers depending on plan. | — | — | 4/5 | 1/5 |
| MemberPress | Basic $179/year. Plus $299/year. Pro $399/year. | — | — | 4/5 | 4/5 |
| Easy Digital Downloads | Personal $99/year. Extended $199/year. Professional $299/year. | — | — | 4/5 | 4/5 |
| Leaky Paywall | From $99/month | — | — | 4/5 | 3/5 |
| Thinkific | No free plan. Basic $49/mo ($36/mo annual). Start $74/mo. Grow $149/mo. 0% transaction fee. | — | — | 4/5 | 4/5 |
| Teachable | Free (1 product, $1+10% fee). Basic $39/mo. Pro $119/mo. Pro+ $199/mo. | — | — | 4/5 | 3/5 |
| Mighty Networks | Courses $33/mo (3% transaction). Business $99/mo (2%). Path-to-Pro $360/mo (0%). | — | — | 4/5 | 3/5 |
| Superwall | Free up to 250 conversions/month, then $0.20/conversion | — | Yes | 3/5 | 3/5 |
| Purchasely | From €249/month | — | Yes | 3/5 | 3/5 |
| Ghost | Self-hosted: free. Ghost(Pro): from $18/month. 0% platform fee on memberships. | — | — | 3/5 | 5/5 |
| Poool | From €149/month | — | Yes | 3/5 | 3/5 |
Our pick
Lemon Squeezy — the fastest setup and best documentation. Payments, subscriptions and MoR for indie SaaS.
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