Stripe vs. Merchant of Record (MoR) Fee Comparison
Compare payment processing costs between traditional processors (Stripe) and MoR solutions (Paddle, LemonSqueezy, etc).
Stripe vs. Merchant of Record (MoR) Fee Comparison
Find the cheaper payment processor
Compare payment processing costs between traditional processors (Stripe) and MoR solutions (Paddle, LemonSqueezy, etc).
Total monthly sales
Average transaction size
Different regions, different MoR rates
Revenue Comparison
Number of Transactions
500
Based on AOV
Stripe Fee
$1600
Cost with Stripe
MoR Fee
$4500
US (Paddle/LemonSqueezy)
Savings
$2900
181.3% with Stripe
Fee Breakdown:
Stripe (Gateway)
$3.20 per transaction ×500 = $1600
US (Paddle/LemonSqueezy)
8.8% + $0.2 per transaction = $4500
Payment Processor Comparison
When selling SaaS globally, you must choose between a simple payment gateway like Stripe or a Merchant of Record (MoR) like Lemon Squeezy or Paddle. An MoR handles global sales tax compliance and chargebacks, but at a higher percentage fee. Use this to compare exactly what you will earn.
Side-by-Side Comparison
- Stripe: US-centric, lots of transactions, high AOV
- MoR: Global reach, software/SaaS, recurring billing, EU-friendly
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