PaywallTools monetization wizard

Best Merchant of Record Tools in 2026.

Payment platforms that handle global sales tax, VAT, chargebacks, and compliance for you.

Paddle

5% + $0.50 per transaction

Complete payments infrastructure for SaaS

Merchant of Record for SaaS. Handles global VAT and tax remittance across 190+ countries.

Ease 3/5 · Fees 3/5 · Conversion 2/5

Lemon Squeezy

5% + $0.50 per transaction. Acquired by Stripe 2024.

Payments, subscriptions and MoR for indie SaaS

Default choice for indie SaaS founders. Tax compliance out of the box, license key management, excellent DX. Acquired by Stripe in 2024.

Ease 5/5 · Fees 4/5 · Conversion 2/5

Polar

4% + $0.40 per transaction (lowest MoR fees on the market)

Open-source monetization for developers

Lowest MoR fees on the market (4% + $0.40). Open source, built for developers and OSS projects.

Ease 5/5 · Fees 5/5 · Conversion 2/5

FastSpring

5.9% + $0.95 per transaction (or custom rate)

Global payments and MoR for software companies

Established MoR for software and SaaS companies. Strong in desktop software, games, and B2B. Higher fees than Paddle but deep feature set.

Ease 3/5 · Fees 2/5 · Conversion 2/5

Gumroad

10% flat. 30% if sold via Gumroad marketplace.

Sell anything digital, instantly

Fastest path from idea to first sale. Built-in marketplace gives discovery. High fees (10%) are the trade-off for zero setup friction.

Ease 5/5 · Fees 2/5 · Conversion 3/5

How to choose

  • Match the tool's category and best-for tags to your stack.
  • Decide if you need a merchant of record (global tax handled) or DIY billing.
  • Weigh paywall and A/B testing capabilities against fee competitiveness.
  • Compare ease of setup against the depth of advanced billing you need.

Not sure which tool fits your project?

Answer 3 questions and get a personalized monetization stack recommendation.

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