Payments & Billing to take payments
Payment processors, subscription billing and merchants of record. Every listing below helps you take payments. Ranked by editor score with what you get and who qualifies.
Updated October 2026 · 6 listings
How to choose payments & billing to take payments
Pick founder services by the total cost at your size in a year, the startup perks they bundle, how easy it is to leave, and whether they serve your country. Open the account or start the trial only when you need it; most charge monthly from day one.
Stripe 🧾 ServicePaid
Online payments, subscriptions and invoicing with no monthly fee: 2.9% + 30c per US card payment.
Paddle 🧾 ServicePaid
Merchant of record for SaaS, apps and digital products: 5% + 50c per transaction, global tax handled.
PayPal Business 🧾 ServicePaid
Accept PayPal, Venmo, cards and Pay Later with a free business account and per-transaction fees.
Chargebee 🧾 ServicePaid
Subscription billing on top of your payment gateway, free for partner-backed startups up to $1M billed.
🔥 Startup Program: Billing free until $1M cumulative revenue billed (partner-backed, under $5M raised)Polar 🧾 ServiceFreemium
Merchant of record and usage billing for AI and software companies, free plan at 5% + 50c.
🔥 Startup Program: Scale plan free for 12 months for early-stage AI startups (application)Lemon Squeezy 🧾 ServicePaid
Merchant of record for digital products and SaaS, owned by Stripe: 5% + 50c per transaction.