Best Merchant of Record providers
by what you sell
There is no best Merchant of Record in general. Stripe Managed Payments refuses coaching and services; Ablefy accepts them. So this page is 5 lists, one per kind of product.
A provider is on a list when its own pages say it accepts that product, or imply it. The ones that say it come first, then the better-known ones.
Software & SaaS
29 Merchants of Record accept software and SaaS. These are the first 10. See all 29, filtered by your country
| Provider | EU VAT | UK VAT | US sales tax | Fee |
|---|---|---|---|---|
| Stripe Managed Payments Merchant of Record | ✓ | ✓ | ✓ | 3.5% + Stripe card fees (European Stripe account) |
| Paddle Merchant of Record | ✓ | ✓ | ✓ | 5% + 50¢ per sale |
| Payhip Reseller | ? | ? | ✓ | 5% + Stripe fees, billed to your Stripe account |
| Digistore24 Reseller | ✓ | ✓ | ✓ | 7.9% + $1 per sale |
| Dodo Payments Merchant of Record | ✓ | ✓ | ✓ | 4% + 40¢ per sale · +1.5% non-US cards · +0.5% subscriptions and usage billing |
| Creem Merchant of Record | ✓ | ✓ | ✓ | 3.9% + 40¢ per sale |
| Freemius Merchant of Record | ? | ? | ✓ | 3.8% + 50¢ per sale + Stripe/PayPal gateway fees (average effective rate) |
| Nuvei Merchant of Record | ? | ? | ? | On request |
| Fungies.io Merchant of Record | ? | ? | ? | 5% + 50¢ per sale |
| Lemon Squeezy Merchant of Record | ✓ | ✓ | ✓ | From 5% + 50¢ per sale · +1.5% non-US cards · +0.5% subscription payments |
Digital products
30 Merchants of Record accept digital products. These are the first 10. See all 30, filtered by your country
| Provider | EU VAT | UK VAT | US sales tax | Fee |
|---|---|---|---|---|
| Stripe Managed Payments Merchant of Record | ✓ | ✓ | ✓ | 3.5% + Stripe card fees (European Stripe account) |
| Paddle Merchant of Record | ✓ | ✓ | ✓ | 5% + 50¢ per sale |
| Fourthwall Merchant of Record | ✓ | ✓ | ✓ | 5% + Card processing (US cards) |
| Payhip Reseller | ? | ? | ✓ | 5% + Stripe fees, billed to your Stripe account |
| Digistore24 Reseller | ✓ | ✓ | ✓ | 7.9% + $1 per sale |
| Creem Merchant of Record | ✓ | ✓ | ✓ | 3.9% + 40¢ per sale |
| Nuvei Merchant of Record | ? | ? | ? | On request |
| Tebex Merchant of Record | ✓ | ✓ | ✓ | 5% |
| Fungies.io Merchant of Record | ? | ? | ? | 5% + 50¢ per sale |
| Kelviq Merchant of Record | ? | ✓ | ✓ | 3.5% + 40¢ per sale · +1.5% non-US cards · +0.7% subscription renewals |
Courses & memberships
22 Merchants of Record accept courses and memberships. These are the first 10. See all 22, filtered by your country
| Provider | EU VAT | UK VAT | US sales tax | Fee |
|---|---|---|---|---|
| Stripe Managed Payments Merchant of Record | ✓ | ✓ | ✓ | 3.5% + Stripe card fees (European Stripe account) |
| Payhip Reseller | ? | ? | ✓ | 5% + Stripe fees, billed to your Stripe account |
| Digistore24 Reseller | ✓ | ✓ | ✓ | 7.9% + $1 per sale |
| Creem Merchant of Record | ✓ | ✓ | ✓ | 3.9% + 40¢ per sale |
| Fungies.io Merchant of Record | ? | ? | ? | 5% + 50¢ per sale |
| Kelviq Merchant of Record | ? | ✓ | ✓ | 3.5% + 40¢ per sale · +1.5% non-US cards · +0.7% subscription renewals |
| Number X Merchant of Record | ? | ? | ✓ | 5% + 50¢ per sale |
| Lemon Squeezy Merchant of Record | ✓ | ✓ | ✓ | From 5% + 50¢ per sale · +1.5% non-US cards · +0.5% subscription payments |
| Gumroad Merchant of Record | ✓ | ✓ | ✓ | 10% + 50¢ per sale |
| 2Checkout (Verifone) Merchant of Record | ? | ✓ | ? | On request |
Coaching & services
6 Merchants of Record accept coaching and services. Filter by your country
| Provider | EU VAT | UK VAT | US sales tax | Fee |
|---|---|---|---|---|
| Ablefy (formerly Elopage) Reseller | ? | ? | ? | 3.1% + €0.50 per sale · €27/month |
| Transact Bridge Merchant of Record | ? | ? | ? | On request |
| Payhip Reseller. Acceptance implied, not stated. | ? | ? | ✓ | 5% + Stripe fees, billed to your Stripe account |
| Digistore24 Reseller. Acceptance implied, not stated. | ✓ | ✓ | ✓ | 7.9% + $1 per sale |
| 2Checkout (Verifone) Merchant of Record. Acceptance implied, not stated. | ? | ✓ | ? | On request |
| CopeCart Reseller. Acceptance implied, not stated. | ? | ? | ✓ | 4.9% + €1 per sale |
Physical products
11 Merchants of Record accept physical products. These are the first 10. See all 11, filtered by your country
| Provider | EU VAT | UK VAT | US sales tax | Fee |
|---|---|---|---|---|
| Fourthwall Merchant of Record | ✓ | ✓ | ✓ | 5% + Card processing (US cards) |
| Payhip Reseller | ? | ? | ✓ | 5% + Stripe fees, billed to your Stripe account |
| 2Checkout (Verifone) Merchant of Record | ? | ✓ | ? | On request |
| ClickBank Reseller | ✓ | ✓ | ✓ | 7.5% + $1 per sale |
| Nexway Merchant of Record | ? | ? | ? | On request |
| CopeCart Reseller | ? | ? | ✓ | 4.9% + €1 per sale |
| Reach Merchant of Record | ✓ | ✓ | ✓ | On request |
| ExpandNow Merchant of Record | ✓ | ✓ | ✓ | 5% |
| Transact Bridge Merchant of Record | ? | ? | ? | On request |
| eBrands Merchant of Record | ✓ | ✓ | ✓ | On request |
Tax columns: ✓ the provider handles it, — it does not, ? its pages don't say. A fee appears only when it is written on the provider's own pricing page; the quote behind each answer is on the provider's profile.
Common questions
What is the best Merchant of Record?
There isn't one. It depends on what you sell and on the country your company is in. Stripe Managed Payments refuses coaching and services, for example, and Ablefy accepts them. Start from your product, then check the country.
Which Merchant of Record accepts software and SaaS?
27 Merchants of Record say on their own pages that they accept software and SaaS, starting with Stripe Managed Payments, Paddle, Payhip, Digistore24 and Dodo Payments. 2 more probably do: the pages imply it without saying it outright.
Which Merchant of Record accepts digital products?
28 Merchants of Record say on their own pages that they accept digital products, starting with Stripe Managed Payments, Paddle, Fourthwall, Payhip and Digistore24. 2 more probably do: the pages imply it without saying it outright.
Which Merchant of Record accepts courses and memberships?
20 Merchants of Record say on their own pages that they accept courses and memberships, starting with Stripe Managed Payments, Payhip, Digistore24, Creem and Fungies.io. 2 more probably do: the pages imply it without saying it outright.
Which Merchant of Record accepts coaching and services?
Ablefy and Transact Bridge say on their own pages that they accept coaching and services. 4 more probably do: the pages imply it without saying it outright.
Which Merchant of Record accepts physical products?
10 Merchants of Record say on their own pages that they accept physical products, starting with Fourthwall, Payhip, 2Checkout, ClickBank and Nexway. 1 more probably does: the pages imply it without saying it outright.
How are these lists ordered?
Providers whose own pages say they accept the product come first, then the ones that probably do. After that come the providers that publish where a seller's company can be based, then the better-known ones, which is our own estimate. Nobody pays to be listed: MoR Finder is a personal project with nothing commercial on it.