Merchant of record

Commas as a Stripe alternative

Commas is a merchant of record. On November 9, 2026 the rate line is Quoted. The dispute line is Not published. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow.

Type: Merchant of record
Pricing: Merchant of record
Card rate: Quoted
Dispute fee: Not published
Payouts: Not published. The terms say payouts go through Commas' payment partners after KYC.
Where: Checkouts on Commas. Confirm where your business can be boarded.
Underwriting: Commas approves sellers. It is the contracting merchant and can refuse the offering.
What it replaces: Being the seller of record for a course, membership, or coaching offer. It does not replace Stripe until you have a number.

Pricing page · Website

What is Commas?

Commas is the merchant on Commas checkouts. FanBasis, Inc. does business as Commas, and its terms say the buyer contracts with Commas, not with the creator. Commas does not publish a processing rate. The terms say the schedule is in the dashboard, in pricing documentation, or in a written agreement.

Who should choose Commas?

Commas fits: Creators and coaches who want Commas named on the card statement and will get the rate in writing. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What Commas replaces: Being the seller of record for a course, membership, or coaching offer. It does not replace Stripe until you have a number. Look elsewhere when you need something outside that.

Underwriting: Commas approves sellers. It is the contracting merchant and can refuse the offering.

How does Commas charge?

Commas has 1 fee lines in this dataset, each read on November 9, 2026. Headline rate: Quoted.

Fee	Amount	Source
Processing	Not published. The terms say fees depend on the features you turn on and appear in the dashboard, pricing documentation, or a written agreement.	Source

What does Commas cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

Commas does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00.

Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00).

Where does Commas operate?

Coverage: Checkouts on Commas. Confirm where your business can be boarded. That is where Commas operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does Commas differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Commas is a merchant of record with the rate line Quoted and the dispute line Not published.

Commas stands in the seller's place for the sale. Stripe leaves you as the merchant. The higher percent, when one is published, is the price of that shift, not a discount on Stripe's card rate.

How do you switch from Stripe to Commas?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask Commas, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

Which providers are similar?

These listings share Commas's type. The order is alphabetical, not a rank.

Dodo Payments: 4% + $0.40, before add-ons.
FastSpring: Quoted.
Lemon Squeezy: 5% + $0.50, before add-ons.
Paddle: 5% + $0.50.

Also read Stripe's fee breakdown and the pricing dataset.

What does Commas publish as its card rate?

Commas's rate line in this directory is Quoted, read on November 9, 2026. Use that line only for the product it describes.

What is Commas's dispute fee?

Commas's dispute line is Not published. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is Commas the merchant of record?

Commas is listed as a merchant of record. The buyer is contracting with that seller model, which is why the price is not Stripe's 2.9% + $0.30 card rate.

Where does Commas operate?

Checkouts on Commas. Confirm where your business can be boarded. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Commas has approved.

Should you leave Stripe for Commas?

Only when this is the fit: Creators and coaches who want Commas named on the card statement and will get the rate in writing. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Commas does not become a yes just because it is on this page.

How much is Commas at $10,000 a month?

Commas has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30.

Which sources were checked?

Commas has 1 fee lines in this dataset. Each one links to the page it was read from.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.