Paddle

Merchant of record for SaaS

PaidPayments & billingpaddle.com

What it is

Merchant of record aimed at software companies, charging 5% + $0.50 all-inclusive. That single fee covers payment processing, global tax registration and filing, subscription billing, fraud handling, chargebacks and buyer support. Products priced under $10 require custom pricing arranged with sales.

Why it earns a slot

The most mature merchant of record for SaaS — enterprise invoicing, dunning and multi-currency have worked for years, so nothing breaks when you start selling annual plans to companies.

Know before you commit

Onboarding is a genuine approval process with compliance review, unlike Stripe's instant signup, so expect to justify your product. The $0.50 floor punishes cheap items: on a $5 sale the effective rate is about 15%.

Getting started

npm i @paddle/paddle-js

Field notes

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Field check

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Pricing snapshot

5% + $0.50 all-inclusive MoR (custom pricing for items under $10)

Snapshots move fast — verify at checkout, and post a field note if it changed.

Drop into your Lovable chat

Evaluate Paddle (https://www.paddle.com) for this project, then use it only if it fits what we are already building.
Context: Merchant of record for SaaS. Merchant of record aimed at software companies, charging 5% + $0.50 all-inclusive. That single fee covers payment processing, global tax registration and filing, subscription billing, fraud handling, chargebacks and buyer support. Products priced under $10 require custom pricing arranged with sales.
Reviewer notes (general, not written for this codebase): The most mature merchant of record for SaaS — enterprise invoicing, dunning and multi-currency have worked for years, so nothing breaks when you start selling annual plans to companies.
Watch out for: Onboarding is a genuine approval process with compliance review, unlike Stripe's instant signup, so expect to justify your product. The $0.50 floor punishes cheap items: on a $5 sale the effective rate is about 15%.
Pricing: 5% + $0.50 all-inclusive MoR (custom pricing for items under $10)
Setup: npm i @paddle/paddle-js
Rules: treat the notes above as background only. Do not assume a theme, style, layout or feature that is not already in this project — inspect the existing code first and ask me before changing visual direction.

/api/public/tools/paddle

Neighbourhood

How Paddle sits against the rest of the atlas — swaps, companions and the tools builders actually save alongside it.