InteractiveThis post is an app. It runs in your browser.
Payment picker: find how to get paid for your app
By Flavio Copes
Find a payment provider for your product, compare fees on your own numbers, and see who handles tax and disputes. Merchant of Record and direct providers.
Find a provider
Answer a few questions about what you sell and who should be the seller. You get the three providers that fit best, with the reasons and the main catch for each.
The order shows how well each provider matches your answers. When two match equally, the one that costs less on a $10,000 month goes first. It can't tell you whether a provider will approve your business.
Watch out:
What you pay
Enter your average order and how many orders you get in a month. The table applies each provider's published fee to one-time card sales, cheapest first.
| Provider | Model | Fee rule | Monthly cost | Effective rate |
|---|---|---|---|---|
The defaults match my September 29, 2026 fee post: 200 one-time US card sales of $50. Refunds, chargebacks, payout fees, currency conversion and PayPal surcharges aren't included. The international share adds only the foreign card fee each provider publishes.
Can you use it from your country?
Pick the country where your business is registered to see which providers accept you, or switch to buyers to see where your customers can pay. Each provider still reviews your business before it approves you.
Coverage data reviewed July 29, 2026.
| Provider | Model | Status | Note |
|---|---|---|---|
Every provider
Every provider in one table. Open a row for its strengths, its limits, who it's for and the pricing page I checked.
| Provider | Model | Summary | |
|---|---|---|---|
| Adyen | You are the seller | A global payment platform and acquirer for larger businesses needing online, in-person, marketplace, and multi-region payment infrastructure. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Airwallex | You are the seller | A global financial platform combining online payment acceptance, multi-currency accounts, FX, transfers, cards, invoicing, and subscription billing. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Braintree | You are the seller | PayPal's API-oriented payment platform for cards, PayPal, wallets, vaulting, recurring billing, and enterprise checkout. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Creem | Merchant of Record | A newer Merchant of Record built for indie SaaS, AI tools, and digital products, combining global tax handling with product and growth tooling. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source Creem sponsors this site. | |||
| Dodo Payments | Merchant of Record | A developer-oriented Merchant of Record focused on SaaS and digital products, with particular attention to sellers in India and other emerging markets. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| FastSpring | Merchant of Record | A sales-assisted Merchant of Record platform for SaaS, downloadable software, apps, games, and digital goods. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Gumroad | Merchant of Record | A creator-commerce platform and marketplace for digital products, courses, memberships, and simple software sales. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Lemon Squeezy | Merchant of Record | A Merchant of Record and creator-commerce platform for digital products, software, subscriptions, downloads, and license keys. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Mollie | You are the seller | A European payment service provider for cards, bank methods, wallets, hosted checkout, recurring payments, and platform payments. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Paddle | Merchant of Record | A full Merchant of Record platform built primarily for software, SaaS, subscriptions, and digital products. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| PayPal Checkout | You are the seller | A buyer-wallet and checkout product for PayPal, cards, Venmo, Pay Later, and eligible alternative methods. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Polar | Merchant of Record | A developer-focused Merchant of Record for software, digital products, subscriptions, usage billing, and built-in benefits. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Square | You are the seller | An omnichannel payments and commerce platform spanning online checkout, invoices, subscriptions, APIs, point of sale, and hardware. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Stripe Managed Payments | Merchant of Record | Stripe's generally available Merchant of Record mode for eligible digital products, layered onto Stripe Payments and Checkout. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
| Stripe Payments | You are the seller | A developer-focused global payments platform for cards, wallets, bank methods, hosted checkout, payment links, and custom payment flows. | |
Strengths
Limitations
Best for
Avoid if
Last reviewed September 1, 2026. Pricing source | |||
Who handles what
A Merchant of Record charges more because it does more of the work. This is who does what in each model.
| Responsibility | Merchant of Record | You are the seller |
|---|---|---|
| Legal seller on the receipt | The provider is the seller for covered transactions. | Your business is the seller; the processor moves the money. |
| Indirect tax calculation | Included for covered sales in supported markets. | Your responsibility. Tax software can calculate amounts without changing the seller. |
| Indirect tax registration and filing | The provider registers, files, and remits for covered transactions. | Your business registers and files in each jurisdiction where you owe tax. |
| Payment processing | The provider runs checkout and card or wallet acceptance. | The processor or acquirer runs acceptance; you choose the integration. |
| Refunds | The provider processes refunds; you set policy and approve exceptions. | You decide policy and trigger refunds in the processor dashboard or API. |
| Chargebacks and payment fraud | The provider handles disputes for covered transactions, with your cooperation. | You respond to disputes. The processor supplies tools; liability stays with you. |
| Buyer invoices and receipts | The provider issues tax-compliant documents in its name. | You issue invoices and receipts in your company name. |
| Transaction and billing support | Shared: the provider handles billing issues; you handle the product. | Your team supports buyers unless you hire a separate service. |
| Payouts to your bank | Net proceeds on the provider schedule after taxes and fees. | Rolling or scheduled payouts to your merchant balance, minus fees. |
| Product delivery and entitlements | Always your business. | Always your business. |
| Bookkeeping and income tax | Always your business (MoR payouts still need reconciliation). | Always your business. |
This post is an app. Answer the questions at the top and you get the payment providers that fit what you sell, with the fee and the main catch for each.
Under the picker you can put your own numbers into a fee calculator, check which providers work from your country, browse every provider, and see who handles what with each kind of provider.
It started as a separate site, paymentprocessor.dev. I moved it here, so the tools and the explanation live on the same page.
The first question: who is the seller?
Most payment comparisons start with a table of fees. I think the first question is a different one: will another company be the legal seller, or will you stay the merchant?
That choice changes much more than the fee. It decides who handles sales tax and VAT, disputes, fraud, invoices, billing support and payouts.
With a direct provider like Stripe, PayPal or Mollie, you are the seller. The fee is lower because the provider does a smaller job. Tax registration, filing, disputes and billing support stay with you.
With a Merchant of Record like Paddle, Polar, Lemon Squeezy or Creem, the provider becomes the seller to your buyer. It takes on the tax work and more of the support, and you pay a higher fee for it. You also accept its product rules, its payout timing and more dependence on one company.
Neither model is always better. The “Who handles what” table in the app shows the split line by line. I wrote the full argument in Merchant of Record or payment processor?.
How the fees are calculated
The calculator starts at 200 orders of $50, a $10,000 month, so you can check it against what $10,000 a month in sales costs on each payment provider, where I go through every provider’s catch. Change the numbers to see your own month.
Each provider’s rule comes from its own pricing page or docs, and the table shows when I checked it. When a provider only gives custom quotes, the app says so instead of inventing a number.
The calculator covers the transaction fees. Payout and currency conversion fees, refunds, chargebacks and the cost of filing taxes yourself are not in the total, and they can matter a lot. A cheaper fee with a direct provider can turn into a bigger bill once you pay an accountant to file VAT in other countries.
Creem sponsors this site. Its numbers come from its own pricing and docs like everyone else’s, and the picker ranks it with the same rules as the others.
Can you use it from your country?
Two country questions get mixed up all the time. One is whether the provider will onboard a business from your country. The other is whether your buyers can pay from theirs.
The country check in the app keeps them apart. Pick your country to see which providers accept you as a seller, then switch to buyers to see where customers can pay.
Before you switch
Choosing a provider is half the problem. Leaving one can be harder, because subscriptions, saved cards and invoices don’t always move with you.
If you already sell through one provider and the fees above make you want to switch, read the playbooks on migratingto.dev first. They cover moves between Paddle, Polar, FastSpring, Gumroad, Stripe Billing and Stripe Managed Payments.
Want me to talk about your product? You can sponsor this site.
Related posts about business: