I sell digital products worldwide and don't want to deal with VAT and disputes myself — which providers act as merchant of record, and how do they compare?

“- Full MoR service for software and digital products.”

“- Handles VAT, sales tax, fraud, chargebacks and buyer payment support.”

“- Supports one-time purchases and subscriptions.”

“- Transparent pricing: 5% + $0.50.”

“- Particularly attractive if you sell SaaS internationally.”

“Downside: The transaction fee can become expensive at scale, especially for low-priced products.”

“- Full MoR model, including tax collection and remittance.”

“- Handles chargebacks and disputes.”

“- Supports subscriptions, one-time purchases and usage-based billing.”

“- Promotes coverage across 190+ tax jurisdictions.”

“- Published starting pricing around 4% + $0.40.”

“Downside: I'd check its dispute fees, payment-method surcharges, payout terms and support quality carefully before committing.”

“- Established MoR provider for software and digital commerce.”

“- Takes responsibility for transaction-related tax collection, remittance and compliance.”

“- Subscription management and localized checkout.”

“- Negotiated pricing rather than a standard public rate.”

“Downside: Less transparent pricing and a more sales-oriented onboarding process.”

“- Full MoR offering for software and SaaS.”

“- Global tax compliance and invoice management.”

“- Subscription management and international payment methods.”

“- Custom pricing based on your business.”

“Downside: You need to request a commercial proposal to understand the actual cost.”

“- Developer-focused MoR platform.”

“- Supports digital products, software and subscriptions.”

“- Offers usage-based billing and developer-friendly integrations.”

“- Starter pricing around 5% + $0.50, with paid plans offering lower transaction rates.”

“Downside: Check additional international-card, payout and dispute fees.”

“- MoR since January 2025.”

“- Handles worldwide sales-tax collection and remittance.”

“- Very simple setup for downloadable products, courses and memberships.”

“Downside: Significantly more expensive than most specialist MoR providers.”

“- Stripe's own MoR solution.”

“- Adds indirect tax compliance, fraud prevention, dispute management and transaction-related customer support.”

“- Supports coverage in 75+ countries.”

“Downside: It is not a simple all-inclusive 3.5% rate. Standard processing and potentially subscription fees still apply.”

“Historically, it was a popular choice for independent creators and software developers, with 5% + $0.50 base pricing.”

“However, its October 2026 strategic direction is increasingly tied to Stripe Managed Payments, so I'd verify its current onboarding and product roadmap before choosing it for a new business.”