Merchant of record

Dodo Payments as a Stripe alternative

Dodo Payments is a merchant of record. On November 9, 2026 the rate line is 4% + $0.40, before add-ons. The dispute line is $30. 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: 4% + $0.40, before add-ons
Dispute fee: $30
Payouts: Regular payouts free. $5 if the payout is under $1,000. USD SWIFT is $25.
Where: The pricing page sells the standard rate as US cards and wallets, and lists tax management in 190+ countries.
Underwriting: Dodo is the seller of record and can decline the product.
What it replaces: Stripe plus tax filing, for software. The 4% line is not the price of a subscription sold on an international card.

Pricing page · Docs · Website

What is Dodo Payments?

Dodo Payments is a merchant of record. The standard plan on its pricing page is 4% + $0.40 per transaction, with no fixed monthly fee, and the page lists tax management as included. Subscriptions add 0.5%. International payments add 1.5%. A dispute is $30.

Who should choose Dodo Payments?

Dodo Payments fits: Software sellers who want a merchant of record with a published rate and tax handling included. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What Dodo Payments replaces: Stripe plus tax filing, for software. The 4% line is not the price of a subscription sold on an international card. Look elsewhere when you need something outside that.

Underwriting: Dodo is the seller of record and can decline the product.

How does Dodo Payments charge?

Dodo Payments has 9 fee lines in this dataset, each read on November 9, 2026. Headline rate: 4% + $0.40, before add-ons.

Fee	Amount	Source
US cards and wallets	4% + $0.40 per transaction on the standard plan. No fixed monthly fee on that plan.	Source
International payments	+1.5% for cards and local methods outside the US	Source
Subscriptions	+0.5%	Source
PayPal	+3% when PayPal is the payment method	Source
BNPL	+3% for Klarna and Afterpay / Clearpay	Source
ACH Direct Debit	1.5%, capped at $15. Replaces the card fee. The international and subscription add-ons do not apply.	Source
Refunds	$1 per refund	Source
Disputes	$30 per dispute	Source
Payouts	Regular payouts free. $5 if the payout is under $1,000. USD SWIFT $25.	Source

What does Dodo Payments 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.

Monthly volume	Stripe US cards	Dodo Payments, US cards and wallets
$10,000.00	$350.00 (200 × $0.30 + 2.9% of $10,000.00)	$480.00 (200 × $0.40 + 4% of $10,000.00)
$100,000.00	$3,500.00 (2000 × $0.30 + 2.9% of $100,000.00)	$4,800.00 (2000 × $0.40 + 4% of $100,000.00)
$1,000,000.00	$35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00)	$48,000.00 (20000 × $0.40 + 4% of $1,000,000.00)

Merchant-of-record price on the standard plan. Subscriptions add 0.5%. International payments add 1.5%. PayPal and BNPL add 3%.

Where does Dodo Payments operate?

Coverage: The pricing page sells the standard rate as US cards and wallets, and lists tax management in 190+ countries. That is where Dodo Payments 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 Dodo Payments 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. Dodo Payments is a merchant of record with the rate line 4% + $0.40, before add-ons and the dispute line $30.

Dodo Payments 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 Dodo Payments?

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 Dodo Payments, 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 Dodo Payments's type. The order is alphabetical, not a rank.

FastSpring: Quoted.
Lemon Squeezy: 5% + $0.50, before add-ons.
Paddle: 5% + $0.50.
PayPro Global: Quoted.

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

What does Dodo Payments publish as its card rate?

Dodo Payments's rate line in this directory is 4% + $0.40, before add-ons, read on November 9, 2026. Use that line only for the product it describes.

What is Dodo Payments's dispute fee?

Dodo Payments's dispute line is $30. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is Dodo Payments the merchant of record?

Dodo Payments 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 Dodo Payments operate?

The pricing page sells the standard rate as US cards and wallets, and lists tax management in 190+ countries. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Dodo Payments has approved.

Should you leave Stripe for Dodo Payments?

Only when this is the fit: Software sellers who want a merchant of record with a published rate and tax handling included. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Dodo Payments does not become a yes just because it is on this page.

How much is Dodo Payments at $10,000 a month?

At $10,000 a month and a $50 ticket, Dodo Payments, US cards and wallets is $480.00 using the published rate read on November 9, 2026. Stripe on the same assumptions is $350.00. Merchant-of-record price on the standard plan. Subscriptions add 0.5%. International payments add 1.5%. PayPal and BNPL add 3%.

Which sources were checked?

Dodo Payments has 9 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.