1
Online payments, subscriptions and invoicing with no monthly fee: 2.9% + 30c per US card payment.
#224 web rank · ▲ 12 this week
9.0/10
What you get Stripe processes card and wallet payments online, with Billing for subscriptions, Invoicing, Checkout, Payment Links, fraud tools and Connect for marketplaces. Standard US pricing is 2.9% plus 30 cents per successful domestic card payment, plus 1.5% for international cards and 1% when currency conversion is needed. Stripe says it charges no setup or monthly fees. Billing costs… Read more →
Pros
- No monthly or setup fee
- Best-in-class APIs, Billing and Checkout
- Optional merchant-of-record via Managed Payments
Cons
- You handle tax compliance unless you add Managed Payments
- International and FX surcharges add up
Pricing: Free plan, pay as you go · payments subscriptions billing invoicing api
2
Accept PayPal, Venmo, cards and Pay Later with a free business account and per-transaction fees.
#168 web rank · ▲ 2 this week
7.0/10
What you get A PayPal Business account lets you accept PayPal, Venmo, cards, Pay Later and invoices, with no monthly account fee listed. US fees: PayPal Checkout and Venmo 3.49% plus $0.49; standard card payments 2.99% plus $0.49; Pay Later 4.99% plus $0.49; QR code payments 2.29% plus $0.09; invoices paid by ACH 1% capped at $10. International commercial transactions… Read more →
Pros
- Free account, widely trusted checkout button
- Venmo and Pay Later options
Cons
- Higher fees than base card processing
- Not a merchant of record
Pricing: Free plan, pay as you go · payments paypal venmo checkout invoicing
3
Subscription billing on top of your payment gateway, free for partner-backed startups up to $1M billed.
#15k web rank · ▲ 70 this week
7.0/10
What you get Chargebee runs subscription billing, invoicing, usage-based pricing, prepaid credits, revenue reporting and CPQ on top of 40+ payment gateways (including its own). It is billing software, not a merchant of record, so you keep your gateway and tax set-up. The Flow plan is usage-priced: either $0 a month plus 0.80% of billing volume, or $99 a month… Read more →
Pros
- Free until $1M billed for partner-backed startups
- Works with 40+ gateways
- Strong usage and plan management
Cons
- Startup offer needs a partner accelerator or VC
- Not a merchant of record; tax stays with you
Pricing: Free plan, pay as you go · subscription-billing saas usage-billing invoicing startup-program
🔥 Deal: Startup Program: Billing free until $1M cumulative revenue billed (partner-backed, under $5M raised)
4
Merchant of record and usage billing for AI and software companies, free plan at 5% + 50c.
#115k web rank · ▲ 587 this week
7.0/10
What you get Polar is a billing platform for AI and software companies. It meters usage, runs subscriptions and invoicing, and acts as merchant of record, handling payments, sales tax, fraud, refunds and chargebacks. Plans: Starter is free with 5.00% plus 50 cents per transaction; Pro is $20 a month at 3.80% plus 40 cents; Growth is $100 a month… Read more →
Pros
- Free plan with merchant of record
- Usage-based billing built in
- Startup Program: Scale plan free for 12 months
Cons
- Younger platform than Paddle or Stripe
- Startup eligibility not published
Pricing: Free plan, paid from $20/mo · merchant-of-record usage-billing ai saas subscriptions
🔥 Deal: Startup Program: Scale plan free for 12 months for early-stage AI startups (application)
5
Merchant of record for digital products and SaaS, owned by Stripe: 5% + 50c per transaction.
#23k web rank · ▲ 20 this week
6.0/10
What you get Lemon Squeezy is a merchant of record: it calculates, collects, files and pays sales tax and VAT for you, and handles checkout, subscriptions, licence keys, digital downloads and a built-in affiliate system for your own products. Pricing is 5% plus 50 cents per transaction with no monthly fee; email marketing is free up to 500 subscribers. Merchants… Read more →
Pros
- Merchant of record with no monthly fee
- Built-in licence keys, downloads and affiliates
Cons
- Team focus has moved to Stripe Managed Payments; slower support
- Likely future migration
Pricing: Free plan, pay as you go · merchant-of-record digital-products saas stripe vat