Payments & Monetization

Payment providers and billing tools for AI products, SaaS, and digital downloads.

13 providersUpdated

Base fees in USD where shown. Rates vary by region and payment method; additional fees may apply.

Stripe Payments

Payment processing

Payment APIs and hosted checkout for businesses managing their own billing and tax setup.

  • Subscriptions
  • Usage-based billing
  • Prepaid credits

Base pricing

2.9% + $0.30

US domestic online cards

Website
Fees & sources

Standard · Checked

International cards +1.5%; currency conversion +1%. Billing and tax products cost extra.

Subscriptions, usage, and credits use separately priced Stripe Billing products.

Stripe Managed Payments

Merchant of Record

Stripe's merchant of record service for digital products, with tax and transaction support.

  • Subscriptions

Base pricing

+3.5%

Added to Stripe Payments fees

Website
Fees & sources

Managed Payments · Checked

This is an additional fee, not a total rate. Optional Billing and payment-method fees are separate.

Subscriptions require Stripe Billing; its fees are separate.

Paddle

Merchant of Record

Payments, subscriptions, and sales tax handling for SaaS and software businesses.

  • Subscriptions

Base pricing

5% + $0.50

Per checkout transaction

Website
Fees & sources

Pay as you go · Checked

No monthly platform fee. Custom pricing is available for high-volume or low-value transactions.

FastSpring

Merchant of Record

Commerce and subscription management for software, SaaS, and digital goods.

  • Subscriptions

Base pricing

Custom quote

Based on transaction type and sales volume

Website
Fees & sources

Custom · Checked

Request a quote for your product, average order value, and customer locations.

PayPro Global

Merchant of Record

Software and SaaS sales with recurring billing, usage-based pricing, and tax handling.

  • Subscriptions
  • Usage-based billing

Base pricing

Custom quote

Pricing supplied by the sales team

Website
Fees & sources

Custom · Checked

No standard transaction rate is published. Confirm the full fee schedule in your quote.

Gumroad

Merchant of Record

A storefront and checkout for digital downloads, templates, courses, and memberships.

  • Subscriptions

Base pricing

10% + $0.50

Sales through your profile or direct links

Website
Fees & sources

Direct sales · Checked

Discover marketplace sales cost 30% instead. Payout methods depend on your country.

Recurring billing is offered through memberships.

PayPal Checkout

Payment processing

Wallet and card checkout, with a separate Subscriptions API for recurring payments.

  • Subscriptions

Base pricing

Varies by region

Depends on merchant country and payment method

Website
Fees & sources

Local merchant rates · Checked

US PayPal Checkout and standard card payments have different rates. Check your local fee table.

Recurring payments use the PayPal Subscriptions product.

Airwallex

Payment processing

Multi-currency payments with invoicing, subscription management, and usage billing products.

  • Subscriptions
  • Usage-based billing

Base pricing

Varies by region

Depends on region and selected products

Website
Fees & sources

Local product pricing · Checked

Payments, Billing, currency conversion, and account plans have separate pricing terms.

Subscriptions and usage are separate Airwallex Billing products.

Chargebee

Subscription billing

Subscription, usage, and credit billing with payment gateway integrations.

  • Subscriptions
  • Usage-based billing
  • Prepaid credits

Base pricing

Plan-based pricing

Billing platform pricing, not a processing rate

Website
Fees & sources

Billing plans · Checked

Plan and usage charges depend on the product. Confirm payment processing costs separately.

Provider types

Payment processing
You remain the seller. Billing and tax services may cost extra.
Merchant of Record
Acts as the seller for covered transactions and handles related sales tax collection and remittance.
Subscription billing
Manages plans and usage. Payment processing may be a separate service.

Listed features are documented capabilities, not an exhaustive list or tested integrations. Confirm seller-country eligibility, payouts, product restrictions, and the full fee schedule with each provider. The listed order is not a ranking.

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