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Merchant of Record Cost Calculator

Last updated 4/5/2026

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.

Est. 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

350

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
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