01
Stripe Lowest estimate
Integrated Payments
$820.00/ month equivalent
COMPARE / PAYMENTS & MOR
Payments & MoR, with the math.
Compare payment gateway processing fees versus Merchant of Record (MoR) all-in global tax compliance.
Commercial online payments for SaaS and digital goods. Card processing, fraud protection, and currency handling. Custom negotiated enterprise volume discounts, chargeback dispute defense fees, and local banking payout fees are excluded.
YOUR COMPARISON, YOUR CALL
4 / 4 selectedBring your shortlist.
Choose up to four products for a closer look. The full cost ranking stays below.
Showing 4 of 4 supported products. Find products for this comparison
Your workload
Monthly usage. Adjust the assumptions to match your product.
USD / month
Total transaction dollars processed through the payment gateway or MoR.
Maximum 50,000,000 USD / monthtransactions / month
Number of completed payment checkouts and invoice transactions.
Maximum 1,000,000 transactions / month% of volume
Percentage of volume originating from international cards or foreign currencies.
Maximum 100 % of volumeEstimates are in USD before taxes. Your usage stays in this URL.
| Decision guideOne shared workload. Different trade-offs. | ||||
|---|---|---|---|---|
| Monthly equivalentUSD · before tax | $1,250.00Paddle Billing | $1,340.00Starter | $1,340.00Standard MoR | $820.00Lowest in your shortlistIntegrated Payments |
| Payment commitment | Monthly | Monthly | Monthly | Monthly |
| Fits this workload? | Within modeled limits | Within modeled limits | Within modeled limits | Within modeled limits |
| What to know | All-in Merchant of Record fee covers global sales tax liability, chargeback guarantees, and localization without international card markups. | Starter for organizations created on or after May 27, 2026. Volume includes tax; international share means non-US cards. No separate subscription payment fee. | Full Merchant of Record liability: automated calculation, filing, and remittance of global sales tax/VAT across 100+ countries. | Stripe is a payment gateway, NOT a Merchant of Record. You remain liable for international VAT/sales tax registration and remittance. |
| Outside the estimate | Paddle Retain cancellation flows and enterprise negotiated custom rates. | Payout fees, currency conversion, disputes, refunds, optional paid plans and grandfathered Early Member pricing. | Custom enterprise agreements, affiliate tracking fees, and instant wire payout surcharges. | Stripe Tax (0.5% fee), Radar for Fraud Teams ($0.02/tx), dispute protection, and Stripe Billing tiers. |
| Evidence | Official pricing ↗Checked 2026-10-06 | Official pricing ↗Checked 2026-10-08 | Official pricing ↗Checked 2026-10-06 | Official pricing ↗Checked 2026-10-06 |
Look ahead, before you commit.
Vary gross transaction volume. Keep all other inputs fixed.
StripePaddleLemon SqueezyPolar
View exact values and assumptions
Each point follows your selected plan. Automatic choices use the lowest eligible supported plan per product. Missing values mean no supported plan fits. This varies one input, not all costs with customer count. Lines connect sampled estimates; prices between those points can change in steps or at plan limits.
| Gross transaction volume | Stripe | Paddle | Lemon Squeezy | Polar |
|---|---|---|---|---|
| 2,000 USD / month | $217.00 | $350.00 | $359.00 | $359.00 |
| 9,000 USD / month | $451.50 | $700.00 | $740.50 | $740.50 |
| 16,000 USD / month | $686.00 | $1,050.00 | $1,122.00 | $1,122.00 |
| 20,000 USD / month | $820.00 | $1,250.00 | $1,340.00 | $1,340.00 |
| 23,000 USD / month | $920.50 | $1,400.00 | $1,503.50 | $1,503.50 |
| 30,000 USD / month | $1,155.00 | $1,750.00 | $1,885.00 | $1,885.00 |
| 37,000 USD / month | $1,389.50 | $2,100.00 | $2,266.50 | $2,266.50 |
| 44,000 USD / month | $1,624.00 | $2,450.00 | $2,648.00 | $2,648.00 |
| 51,000 USD / month | $1,858.50 | $2,800.00 | $3,029.50 | $3,029.50 |
| 58,000 USD / month | $2,093.00 | $3,150.00 | $3,411.00 | $3,411.00 |
| 65,000 USD / month | $2,327.50 | $3,500.00 | $3,792.50 | $3,792.50 |
| 72,000 USD / month | $2,562.00 | $3,850.00 | $4,174.00 | $4,174.00 |
| 79,000 USD / month | $2,796.50 | $4,200.00 | $4,555.50 | $4,555.50 |
| 86,000 USD / month | $3,031.00 | $4,550.00 | $4,937.00 | $4,937.00 |
| 93,000 USD / month | $3,265.50 | $4,900.00 | $5,318.50 | $5,318.50 |
| 100,000 USD / month | $3,500.00 | $5,250.00 | $5,700.00 | $5,700.00 |
| 107,000 USD / month | $3,734.50 | $5,600.00 | $6,081.50 | $6,081.50 |
| 114,000 USD / month | $3,969.00 | $5,950.00 | $6,463.00 | $6,463.00 |
| 121,000 USD / month | $4,203.50 | $6,300.00 | $6,844.50 | $6,844.50 |
| 128,000 USD / month | $4,438.00 | $6,650.00 | $7,226.00 | $7,226.00 |
| 135,000 USD / month | $4,672.50 | $7,000.00 | $7,607.50 | $7,607.50 |
| 142,000 USD / month | $4,907.00 | $7,350.00 | $7,989.00 | $7,989.00 |
| 149,000 USD / month | $5,141.50 | $7,700.00 | $8,370.50 | $8,370.50 |
| 156,000 USD / month | $5,376.00 | $8,050.00 | $8,752.00 | $8,752.00 |
| 163,000 USD / month | $5,610.50 | $8,400.00 | $9,133.50 | $9,133.50 |
| 170,000 USD / month | $5,845.00 | $8,750.00 | $9,515.00 | $9,515.00 |
| 177,000 USD / month | $6,079.50 | $9,100.00 | $9,896.50 | $9,896.50 |
| 184,000 USD / month | $6,314.00 | $9,450.00 | $10,278.00 | $10,278.00 |
| 191,000 USD / month | $6,548.50 | $9,800.00 | $10,659.50 | $10,659.50 |
| 198,000 USD / month | $6,783.00 | $10,150.00 | $11,041.00 | $11,041.00 |
| 205,000 USD / month | $7,017.50 | $10,500.00 | $11,422.50 | $11,422.50 |
| 212,000 USD / month | $7,252.00 | $10,850.00 | $11,804.00 | $11,804.00 |
| 219,000 USD / month | $7,486.50 | $11,200.00 | $12,185.50 | $12,185.50 |
| 226,000 USD / month | $7,721.00 | $11,550.00 | $12,567.00 | $12,567.00 |
| 240,000 USD / month | $8,190.00 | $12,250.00 | $13,330.00 | $13,330.00 |
Your monthly comparison
4 eligible products in this loaded set · Lowest modeled cost first
02
Paddle Billing
$1,250.00/ month equivalent
03
Standard MoR
$1,340.00/ month equivalent
03
Starter
$1,340.00/ month equivalent
Prices reflect dated, supported plans. Matching a category does not mean matching features. How estimates work
BUYER HUBS & RANKINGS
2026 GuidesPayments & MoR Decision Guides
🏆 Choosing Payments & MoRTop Picks
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Eligible monthly estimates at a stated reference workload, with sourced charges and exclusions you can inspect.
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