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Paddle

Merchant of record for SaaS

Paddle operates as a merchant of record (MoR), meaning they legally sell your software on your behalf and handle all the complexity of global tax compliance, VAT, and sales tax. This is a significant advantage for SaaS companies selling internationally - instead of registering for taxes in dozens of jurisdictions, Paddle handles it all. The tradeoff is higher fees (5-10% depending on volume) and less control over the checkout experience. Paddle's Billing platform supports subscriptions, one-time purchases, and complex pricing models. They also handle chargebacks, fraud prevention, and provide consolidated payouts. For teams without dedicated finance or legal resources, Paddle dramatically reduces the operational overhead of running a global software business.

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Our Verdict

Paddle is perfect if you want to sell globally without worrying about VAT, sales tax, or entity setup. Worth the higher fees for the peace of mind.

Pros & Cons

Pros

  • +Handles all tax compliance
  • +Merchant of record (you're not liable)
  • +Simple global selling
  • +Good for digital products

Cons

  • -Higher fees than Stripe
  • -Less control over billing
  • -Not suitable for physical goods

Build vs Buy with AI

Buy This Tool
Very Hard to BuildNot feasible to replicate

Paddle's value is being a merchant of record - they legally sell your product and handle global tax compliance. You cannot build this; it requires legal entities, tax registrations, and banking in multiple countries.

Key Considerations

  • MoR requires legal entities in multiple jurisdictions
  • VAT/GST compliance changes constantly across 100+ countries
  • Handling chargebacks and disputes requires dedicated team
  • The 5% fee often saves money vs. hiring tax accountants

Features

Card PaymentsYes
SubscriptionsYes
InvoicingYes
Marketplace/ConnectNo
No-code OptionsYes
Mobile SDKsYes
Global Payments(As MoR)Yes

Best For

SaaS products selling globallySolo founders avoiding tax complexityDigital product sellers

Pricing

Standard5% + 50¢
  • - MoR
  • - Tax handling
  • - Checkout
CustomCustom
  • - Volume discounts
  • - Dedicated support
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Last updated: 2026-01-15