Choose a PSP whenâŠ
- You have an eligible business entity and bank account.
- You want deeper checkout, billing, and platform control.
- You can own sales-tax registration, filing, and support workflows.
Payments & Merchant of Record
Choose who processes the paymentâand who owns the tax problem.
A PSP gives you more control and leaves you as merchant. A Merchant of Record usually charges more and assumes the seller-of-record duties for covered sales. Eligibility and actual fees always depend on your market and risk profile.
Rates shown are public planning baselines verified 21 Aug 2026. They are not personalized quotes or tax/legal advice. International cards, FX, disputes, refunds, add-ons, and negotiated pricing may change the result.
| Provider | Type | Public baseline | Tax responsibility | Best fit | |
|---|---|---|---|---|---|
| Stripe Flexible payment infrastructure when you can own tax and compliance. | PSP | 2.9% + $0.30 US | Merchant remains responsible; Stripe Tax is an additional product. |
| Use in Planner |
| PayPal Recognizable wallet checkout with broad buyer reach. | PSP | 3.49% + $0.49 US | Merchant remains responsible for sales tax and compliance. |
| Use in Planner |
| Paddle Merchant of Record for software, including payments and tax compliance. | MOR | 5% + $0.50 Global eligibility review | Paddle acts as Merchant of Record for covered transactions. |
| Use in Planner |
| Creem Developer-oriented Merchant of Record with a lower headline fee. | MOR | 3.9% + $0.40 Global eligibility review | Creem acts as Merchant of Record for covered transactions. |
| Use in Planner |
| Lemon Squeezy Merchant of Record for digital products and software. | MOR | 5% + $0.50 Global eligibility review | Lemon Squeezy acts as Merchant of Record for covered transactions. |
| Use in Planner |
Choose an MoR whenâŠ
- You want one seller-of-record layer for covered global transactions.
- Tax collection and remittance complexity costs more than the fee delta.
- Your product and merchant profile pass the providerâs review.