Compare Merchants of Record (MoRs)

Find the perfect Merchant of Record services for your needs by comparing features and simulating your costs.

What is a Merchant of Record (MoR)?

A Merchant of Record (MoR) handles all the complex parts of getting paid — taxes, refunds, chargebacks, and regulatory compliance. Instead of having to navigate sales tax in 50 states or VAT across 30 European countries, an MoR takes that responsibility. They are the ones who officially "sell" your product to the customer, meaning their name appears on the receipt. MoRs allow you to focus on building your product while they manage the financial and legal overhead of selling globally.

Merchant of Record Cost Calculator

Estimate your monthly payment processing costs. Configure your products and traffic mix to compare providers.

Estimated Revenue

$4,825.00/mo

Lowest

Creem

$381.81/mo

7.9% effective fee

Dodo Payments

$382.10/mo

7.9% effective fee

+$0.29/mo · +0%

Polar

$390.97/mo

8.1% effective fee

+$9.16/mo · +2%

Paddle

$421.50/mo

8.7% effective fee

+$39.69/mo · +10%

Stripe Managed Payments

$433.77/mo

9.0% effective fee

+$51.96/mo · +14%

Lemon Squeezy

$460.10/mo

9.5% effective fee

+$78.29/mo · +21%

Monthly Cost Breakdown

Total Customers350

Products

Starter Plan

$9.50 · 250 customers · Monthly

~$2,375.00/mo

Pro Plan

$24.50 · 100 customers · Monthly

~$2,450.00/mo

Provider Comparison

Fee structures across Merchant of Record providers. Rates shown are additional fees on top of the base transaction fee.

Provider
Stripe Managed Payments		30¢		+1.5% (+1% conversion)		$15
Paddle	5.0%	50¢	Included	Included	Included
Creem	3.9%	40¢	Included	Included	None	$25/€25	EU free · Non-EU 1% ($7 min.)
Polar	4.0%	40¢	+0.5%	+1.5% (non-US)	None	$15
Lemon Squeezy	5.0%	50¢	+0.5%	+1.5% (non-US)	+1.5%	$15
Dodo Payments	4.0%	40¢	+0.5%	+1.5%	+3.0%	$30

Last updated 4/5/2026

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