StripeFinance & invoicingFree plan: No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA)
Made in United KingdomPaddle pricing in Europe (October 2026): plans, free plan & deals
Paid plans from US$499 a month. Free plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee.
PRICING AT A GLANCE Official price
Plans from US$499 a month
Free plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee.
See Paddle plans- No code needed
- Official vendor checkout
Free planMerchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee
Paid plans fromUS$499 a month
Data stored inCloud infrastructure hosted in AWS Europe (Ireland) and AWS UK data centers with strict data isolation
Data protectionFCA-registered payment institution, PCI-DSS Level 1 certified, full liability for global tax compliance, and GDPR Article 28 DPA
CompanyLeading European Merchant of Record (Paddle Payments Ltd) specialized in SaaS and digital software, founded and headquartered in London, UK
Paddle plans and prices
| Plan | Monthly (USD) | Yearly billing, per month (USD) | Includes |
|---|---|---|---|
| Merchant of Record (Pay as you sell) | Free | Free | No monthly fee. 5% + $0.50 per transaction. Complete Merchant of Record protection: Paddle takes full legal responsibility for calculating, collecting, and remitting EU VAT and global sales taxes, plus chargeback recovery |
| Custom Scale | US$499 | US$399 | For SaaS companies processing >$100,000/month. Custom discounted percentage rate, bespoke billing contracts, priority onboarding and engineering migration support, tailored payout schedules |
Prices in US dollars as listed on Paddle’s pricing page; VAT may be added at checkout. paddle.com · Checked 22 Oct 2026
What will you pay for Paddle?
$5,000 / mo (Standard Merchant of Record, 5% + $0.50)$300,000+ / mo (Bespoke enterprise contracts & support)
Merchant of Record (Pay as you sell)Cheapest$0 / monthly
No monthly fee. 5% + $0.50 per transaction. Complete Merchant of Record protection: Paddle takes full legal responsibility for calculating, collecting, and remitting EU VAT and global sales taxes, plus chargeback recovery
Custom Scale$499 / monthly
For SaaS companies processing >$100,000/month. Custom discounted percentage rate, bespoke billing contracts, priority onboarding and engineering migration support, tailored payout schedules
A look at Paddle
What you work with in Paddle.
Paddle · Stripe · Lemon Squeezy side by side
Figures from each vendor’s own pricing and privacy pages.
| Paddle | Stripe |  Lemon Squeezy | |
|---|---|---|---|
| Free plan | Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee | No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA) | Merchant of Record model: 5% + $0.50 per transaction with no monthly subscription fee; covers global sales tax, EU VAT collection, digital product hosting, and license keys |
| Paid plans from | US$499 a month | €299 a month | US$399 a month |
| Data stored in | Cloud infrastructure hosted in AWS Europe (Ireland) and AWS UK data centers with strict data isolation | Multi-region AWS cloud infrastructure with European customer and transaction data hosted in Dublin (Ireland) and Frankfurt (Germany) | US-based cloud infrastructure leveraging Stripe’s secure global data center backbone with EU encryption standards |
| Origin | United Kingdom | IE | — |
Checked 22 Oct 2026. Prices as each vendor lists them.
Is Paddle worth it?
Strengths & best fit
Best for: B2B SaaS companies, digital product creators, and software founders who want a complete Merchant of Record (MoR) to take full legal liability for global sales tax, EU VAT collection, and chargeback disputes with zero bookkeeping headaches.
Free plan covers: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee.
Good to know
Founded and headquartered in London, United Kingdom, Paddle acts as the legal reseller (Merchant of Record) of your digital software. Instead of filing quarterly VAT returns in every EU country, Paddle assumes all sales tax liability, issues compliant B2B invoices with Reverse-Charge, handles currency conversion across 30+ currencies, and pays out net earnings in your chosen currency.
Paddle alternatives and their deals
StripeFinance & invoicingLemon SqueezyFinance & invoicingFree plan: Merchant of Record model: 5% + $0.50 per transaction with no monthly subscription fee; covers global sales tax, EU VAT collection, digital product hosting, and license keys
AdyenFinance & invoicingFree plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard)
MollieFinance & invoicingFree plan: No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction
Watch a Paddle walkthrough
Questions
Does Paddle have a free plan?▼
Yes. Free plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee.
How much does Paddle cost?▼
Merchant of Record (Pay as you sell) costs US$0 a month. Prices are listed in US dollars.
Is there a Paddle discount code?▼
No discount is confirmed today. New offers appear at the top of this page when we confirm them.
What is the main difference between Paddle and Stripe?▼
Stripe is a payment processor where you remain the merchant of record and are legally responsible for registering, collecting, and remitting sales taxes and VAT in each jurisdiction. Paddle is a Merchant of Record (MoR) that buys and resells your software, taking 100% legal responsibility for calculating, collecting, and remitting EU VAT and global sales taxes on your behalf.
What does Paddle say about data protection for EU customers?▼
FCA-registered payment institution, PCI-DSS Level 1 certified, full liability for global tax compliance, and GDPR Article 28 DPA (paddle.com, Checked 22 Oct 2026).
Where does Paddle store customer data?▼
According to paddle.com: Cloud infrastructure hosted in AWS Europe (Ireland) and AWS UK data centers with strict data isolation. Checked 22 Oct 2026.
Price history: Custom Scale US$499
Start free, upgrade when you need it
Free plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee. Paid plans from US$499 a month.
- No code needed
- Official vendor checkout