merchant of record providers

you buy one of these to stop being the party a tax authority comes after, so we read the clause that decides whether it worked.

5 listed · 5 researched by us · featured first, then most upvoted

Creem

we checked this3.9% + $0.40

cheapest published rate of any genuine merchant of record, with no international surcharge to undo it.

#indie-sellers#small-saas-who-want-the-

Paddle

we checked this5% + $0.50

the broadest tax definition in the category, at a flat rate with nothing bolted on top.

#established-saas-that-wa#the-widest-tax-definitio

Dodo Payments

we checked this4% + $0.40

the most itemised fee schedule here, and a clause saying you can't claim against it if it gets your tax wrong.

#sellers-who-want-every-f#a-dated-payout-commitmen

Polar

we checked this5% + $0.50

a real free tier and a public fee schedule — both repriced upward by 25% in may.

#developers-at-volume#where-the-paid-tiers-und

Gumroad

we checked this10% + $0.50

the simplest deal here and the most expensive — one flat 10%, everything included.

#creators-selling-low-vol

this page is deliberately short: a handful of merchant of record providers we looked at properly, rather than everything that exists. if you build one that belongs here, a free listing takes two minutes and $50 pins it to the top of this page.

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