# Merchant of record alternatives to Stripe

Title: Merchant of record alternatives to Stripe

Description: Providers that become the seller, collect tax, and take a larger cut. Read November 9, 2026. Source pages linked. Compared with Stripe. No invented rates.

A merchant of record sells your product to the customer. The invoice, the sales tax, the VAT, the refund, and the chargeback sit with them. You are a vendor of the merchant of record, not the merchant. That is why several of these prices sit near 5% instead of near 3%.

Whop's published card rate is lower, and tax is not in it.

## Which merchant-of-record prices are published?

**Paddle** is the clearest all-in list price in this directory: **5% + $0.50** per checkout transaction on the pay-as-you-go plan, read on November 9, 2026. High-volume and sub-$10 products are custom. The pricing page does not itemize a separate US card surcharge.

**Dodo Payments** publishes **4% + $0.40** on the standard plan, and the same page lists tax management as included. Subscriptions add **0.5%**. International payments add **1.5%**. PayPal and BNPL add **3%**. A dispute is **$30**. A refund is **$1**.

**Lemon Squeezy** publishes **5% + $0.50**. Its fees documentation adds **1.5%** for international payments, **1.5%** for PayPal, and **0.5%** for subscriptions. Compare those, not the homepages. Stripe acquired Lemon Squeezy in 2024. A business Stripe will not stand behind should not count on Lemon Squeezy as a back door.

**Whop** publishes **2.7% + $0.30** for domestic cards, plus **1.5%** for international cards and **1%** when currency conversion is required. A dispute is **$15**. Tax and remittance is a further **2%** when that mode is on and tax is collected. Whop's seller terms say you remain the supplier of the product. Do not read 2.7% as Paddle's price.

## Which merchant-of-record prices are quoted?

**Commas**, **FastSpring**, **PayPro Global**, **Polar**, and **2Checkout (Verifone)** do not publish a standard rate this edition could put next to Paddle. Commas' terms say the schedule is in the dashboard or a written agreement. Get the quote, including payout fees and the chargeback treatment, before you compare.

## When should you not use a merchant of record?

Your buyer needs your company to be the seller. You sell physical goods these companies do not want. Your tax exposure is one state and a spreadsheet. Or the product is something a merchant of record will refuse. In those cases Stripe, plus Stripe Tax or an accountant, is the smaller product.

## Questions

### Which merchant-of-record prices are published?

Paddle is the clearest all-in list price in this directory: 5% + $0.50 per checkout transaction on the pay-as-you-go plan, read on November 9, 2026. High-volume and sub-$10 products are custom. The pricing page does not itemize a separate US card surcharge.

### Which merchant-of-record prices are quoted?

Commas, FastSpring, PayPro Global, Polar, and 2Checkout (Verifone) do not publish a standard rate this edition could put next to Paddle. Commas' terms say the schedule is in the dashboard or a written agreement. Get the quote, including payout fees and the chargeback treatment, before you compare.

### When should you not use a merchant of record?

Your buyer needs your company to be the seller. You sell physical goods these companies do not want. Your tax exposure is one state and a spreadsheet. Or the product is something a merchant of record will refuse. In those cases Stripe, plus Stripe Tax or an accountant, is the smaller product.

### Where were the figures on this page read?

The sources list names the pages. This edition was read on November 9, 2026. Stripe's US domestic card rate in that reading is 2.9% + $0.30, and a dispute received is $15.

### When should you stay on Stripe?

Stay when the Stripe account is healthy and you still need Billing, Tax, Connect, or Terminal. Moving subscriptions costs more than a gap of a few dollars on a $10,000 month.

## Sources

Last verified November 9, 2026.

- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe alternatives for small businesses](/best/small-business.md)
- [Stripe alternatives for nonprofits](/best/nonprofits.md)
- [Stripe alternatives for creators](/best/creators.md)
- [Stripe alternatives for high-risk businesses](/best/high-risk.md)
- [Payment providers for telehealth and regulated healthcare](/best/telehealth.md)
- [Stripe alternatives by situation](/best.md)
- [Stripe alternatives directory](/index.md)
- [Stripe pricing and US card fees](/alternatives/stripe.md)