# Merchant of Record Providers Compared 2026: Fees, Cheapest First > Every Merchant of Record’s fees in one table: Paddle, Lemon Squeezy, Polar, Dodo, Creem, Gumroad, Whop, Stripe and AgentaOS. Per-sale fees, extras, payouts and what lands from ten $100 sales. Free CSV. Updated 22 October 2026 (check date on each row). Source: https://agentaos.ai/merchant-of-record-fees (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia). [Home](https://agentaos.ai/)/[Answers](https://agentaos.ai/answers)/Merchant of Record fees Fees compared # Merchant of Record providers compared: fees in 2026, side by side **Merchant of Record providers compared on their own price pages: the cheapest per sale in 2026 is Creem (3.9% + \$0.40), then Dodo Payments (4% + \$0.40).** On ten \$100 sales, between \$863 and \$951 reaches your bank, depending on the provider. Gumroad keeps the most; Dodo Payments, Creem and Lemon Squeezy keep the least for a US seller. Every row links to the provider’s own price page. [Download the table (CSV)](https://agentaos.ai/data/merchant-of-record-fees-2026.csv)[Cite this table](#use) Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments. Updated 22 October 2026 (check date on each row). AgentaOS is one of the providers in this table. General information, not financial, tax or legal advice. What lands ## What reaches your bank from *ten \$100 sales* Card sales from buyers in the provider’s home market, paid out once. International cards, PayPal and subscriptions cost more; see the table. **Dodo Payments**\$931–951 **Creem**≈ \$947 **Lemon Squeezy**≈ \$945 **Paddle**\$930–945 **AgentaOS**≈ €940 **Polar**≈ \$940 **Gumroad**≈ \$863 Bars start at \$800 so the gaps are visible. AgentaOS is shown on ten €100 sales because it charges and pays out in euros. Stripe and Whop are left out: with Stripe you stay the legal seller and file tax yourself, and Whop’s total depends on which optional fees you turn on. The full table ## Every fee, *side by side* The base fee, the extras that stack on top, and what payouts cost. | Provider | Per sale | International card | Subscriptions | Monthly | Payout | Legal seller | Checked | |----|----|----|----|----|----|----|----| | [Dodo Payments](https://agentaos.ai/answers/dodo-payments-fees) | 4% + \$0.40 | +1.5% | +0.5% | \$0 | Free from \$1,000, \$5 below, \$25 USD SWIFT | Dodo Payments | [22 Oct](https://dodopayments.com/pricing) | | [Creem](https://agentaos.ai/answers/creem-fees) | 3.9% + \$0.40 | None listed | None listed | \$0 | \$7 or €7, or 1% if higher; USDC 2% | Creem | [22 Oct](https://www.creem.io/pricing) | | [Lemon Squeezy](https://agentaos.ai/answers/lemon-squeezy-fees) | 5% + \$0.50 | +1.5% | +0.5% | \$0 | Free in the US, 1% elsewhere | Lemon Squeezy | [22 Oct](https://www.lemonsqueezy.com/pricing) | | [Paddle](https://agentaos.ai/answers/paddle-fees) | 5% + \$0.50 | None (flat 5%) | None listed | \$0 | Free by SEPA or ACH, \$15 SWIFT | Paddle | [22 Oct](https://www.paddle.com/pricing) | | [AgentaOS](https://agentaos.ai/pricing) | 4.5% + €0.50 (Pro 4% + €0.40) | +1.5% (Pro: none until 31 Dec 2026) | None | €0 (Pro €49) | 1% (min €1) plus bank cost | AgentaOS | [15 Oct](https://docs.agentaos.ai/mor/pricing) | | [Polar](https://agentaos.ai/answers/polar-fees) | 5% + \$0.50 (Starter) | +1.5% | None listed | \$0 (Pro \$20) | Stripe payout fees pass through | Polar | [22 Oct](https://polar.sh/resources/pricing) | | [Gumroad](https://agentaos.ai/answers/gumroad-fees) | 10% + \$0.50, plus card 2.9% + \$0.30 | None listed | None listed | \$0 | Free from a \$100 balance; PayPal 2% | Gumroad | [22 Oct](https://gumroad.com/pricing) | | [Whop](https://agentaos.ai/answers/whop-fees) | 2.7% + \$0.30 | +1.5% | +0.5% (billing) | \$0 | Varies by method | Whop only with its tax service (+2%) | [6 Oct](https://docs.whop.com/payments-and-billing/fees/fees) | | [Stripe](https://agentaos.ai/answers/stripe-fees) | 2.9% + \$0.30 | +1.5% | +0.7% (Billing) | Stripe Tax from \$90 | Free to your bank | You (you file tax) | [6 Oct](https://stripe.com/pricing) | Each date links to the provider’s own price page; each name links to our full breakdown with every source. “None listed” means the provider publishes no extra fee for it. The directory ## Every provider, *one click deeper* Each one has its own page with every fee and source, and where we have one, a straight comparison with AgentaOS. - **Paddle**5% + \$0.50[Paddle fees explained](https://agentaos.ai/answers/paddle-fees)[Paddle vs AgentaOS](https://agentaos.ai/paddle-alternative) - **Lemon Squeezy**5% + \$0.50[Lemon Squeezy fees explained](https://agentaos.ai/answers/lemon-squeezy-fees)[Lemon Squeezy vs AgentaOS](https://agentaos.ai/lemon-squeezy-alternative) - **Polar**from 5% + \$0.50[Polar fees explained](https://agentaos.ai/answers/polar-fees)[Polar vs AgentaOS](https://agentaos.ai/polar-alternative) - **Dodo Payments**4% + \$0.40[Dodo Payments fees explained](https://agentaos.ai/answers/dodo-payments-fees)[Dodo Payments vs AgentaOS](https://agentaos.ai/dodo-payments-alternative) - **Creem**3.9% + \$0.40[Creem fees explained](https://agentaos.ai/answers/creem-fees)[Creem vs AgentaOS](https://agentaos.ai/creem-alternative) - **FastSpring**not published, quoted by sales[FastSpring vs AgentaOS](https://agentaos.ai/fastspring-alternative) - **Gumroad**10% + \$0.50[Gumroad fees explained](https://agentaos.ai/answers/gumroad-fees)[Gumroad vs AgentaOS](https://agentaos.ai/gumroad-alternative) - **Whop**from 2.7% + \$0.30[Whop fees explained](https://agentaos.ai/answers/whop-fees) - **Stripe**2.9% + \$0.30, not a MoR[Stripe fees explained](https://agentaos.ai/answers/stripe-fees) Not sure which ones work where you live? [Which Merchant of Record pays out to your country](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country) · [What a Merchant of Record is](https://agentaos.ai/answers/what-is-a-merchant-of-record) · [Doing it yourself instead](https://agentaos.ai/compare) Use this table ## Download it or *cite it* ### Download it The same table as a CSV, with the source and check date on every row. Free to use under CC BY 4.0: link back to this page. [Download the CSV](https://agentaos.ai/data/merchant-of-record-fees-2026.csv) ### Cite it Writing a comparison? Copy this line. We re-check every provider each month and keep this address. `Source: Merchant of Record fees 2026, AgentaOS — https://agentaos.ai/merchant-of-record-fees` Free pricing review ## Want a second look at *your pricing*? Paste your product or store link. Pricing Intelligence tells you what to charge and how to package it. Free, no card. €0 account, no cardSell as an individual or a company Questions ## Fee *questions* ### Which Merchant of Record is cheapest? For card sales from US buyers paid out to a US bank, Dodo Payments, Creem and Lemon Squeezy land the most from ten \$100 sales: about \$945 to \$951. Outside the US, payout fees and international-card fees change the order, so check the payout column for your country. ### Why is Stripe cheaper per sale? Stripe is a payment processor, not a Merchant of Record. You stay the seller, so registering for VAT and sales tax abroad, filing it and handling chargebacks are yours. Stripe Tax alone starts at \$90 a month. ### What does “what lands” mean? The money that reaches your bank from ten \$100 card sales after the per-sale fee and one payout, for buyers in the provider’s home market. AgentaOS is shown on ten €100 sales because it charges and pays out in euros. ### How often is this table checked? Every provider, every month, on its own pricing and fees pages. Each row shows the day it was last checked, and the CSV carries the same dates. ### Can I use this data? Yes. Download the CSV and link to this page as the source. ### Does AgentaOS add a fee for cards from outside Europe? Pay as you go adds 1.5% on cards issued outside the EEA. Pro has no such fee until 31 December 2026, then adds 1.5% from 1 January 2027. Keep reading ## Related [Doing it yourself vs a Merchant of Record](https://agentaos.ai/compare)[What is a Merchant of Record?](https://agentaos.ai/answers/what-is-a-merchant-of-record)[Which one pays out to my country?](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)[AgentaOS pricing](https://agentaos.ai/pricing) Calculators: [Dodo Payments](https://agentaos.ai/tools/dodo-payments-fee-calculator), [Creem](https://agentaos.ai/tools/creem-fee-calculator), [Lemon Squeezy](https://agentaos.ai/tools/lemon-squeezy-fee-calculator), [Paddle](https://agentaos.ai/tools/paddle-fee-calculator), [Polar](https://agentaos.ai/tools/polar-fee-calculator), [Gumroad](https://agentaos.ai/tools/gumroad-fee-calculator)