Compare
Paddle vs Dodo Payments
Only Paddle · 21
Only Dodo Payments · 2
Side by side
Pick where your business is registered. Add up to two more providers.
Pick up to 4.
For a business registered in
Onboards businesses in United States
Paddle
AvailableDodo Payments
AvailableAccept payments
Paddle
Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer.Dodo Payments
Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery.Pay people abroad
Paddle
Not offeredDodo Payments
Not offeredMulti-currency account
Paddle
Not offeredDodo Payments
Not offeredBusiness cards
Paddle
Not offeredDodo Payments
Not offeredStablecoins
Paddle
Not offeredDodo Payments
Not offeredYield on idle cash
Paddle
Not offeredDodo Payments
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Paddle
No yield offeredDodo Payments
No yield offeredIs the money protected?
Paddle
–Dodo Payments
–Does the rate change?
Paddle
–Dodo Payments
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Paddle
5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. Seen 2026-10-24.Dodo Payments
Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24.Published prices
Paddle
Not publishedDodo Payments
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Paddle
NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces.Dodo Payments
NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported.Split payments and platform fees
Paddle
NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found.Dodo Payments
NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found.Embeddable UI
Paddle
YesBranded checkout flows that can be embedded in your website or app.Dodo Payments
YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025).Pay out to your users
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Cards for your users
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Financing for your users
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Paddle
PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found.Dodo Payments
YesRead as "the seller can be an individual": individual accounts verify with their own government ID.Consumer wallets or accounts
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Consumer cards
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions.Hold stablecoin balances
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
NoStablecoin payments settle in USD, so you do not hold crypto.Pay out in stablecoins
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Paddle
No stablecoin productsDodo Payments
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Paddle
YesOfficial remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026.Dodo Payments
YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds.Checkout for AI agents
Paddle
Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found.Dodo Payments
Not confirmedNot found on the official pages checked.Cards for AI agents
Paddle
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Working with them
How easy it is to get started.
Self-serve signup
Paddle
Not confirmedNot researched yet.Dodo Payments
Not confirmedNot researched yet.Published pricing
Paddle
Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carriesDodo Payments
YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15Public API and sandbox
Paddle
Not confirmedNot researched yet.Dodo Payments
Not confirmedNot researched yet.In short
Countries onboarded
Paddle
148 of 170Dodo Payments
130 of 170Designed for
Paddle
Software, SaaS and app companies in most countries that want one company to handle global tax and payments.Dodo Payments
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts.Limitations
Paddle
Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.Dodo Payments
Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.| Paddle Merchant of record | Dodo Payments Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer. | Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery. |
| Pay people abroad | Not offered | Not offered |
| Multi-currency account | Not offered | Not offered |
| Business cards | Not offered | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | 5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. Seen 2026-10-24. | Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24. |
| Published prices | Not published | Not published |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces. | NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported. |
| Split payments and platform fees | NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found. | NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found. |
| Embeddable UI | YesBranded checkout flows that can be embedded in your website or app. | YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025). |
| Pay out to your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Cards for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Financing for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found. | YesRead as "the seller can be an individual": individual accounts verify with their own government ID. |
| Consumer wallets or accounts | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer cards | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | Not confirmedNot found on the official pages checked. | YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | NoStablecoin payments settle in USD, so you do not hold crypto. |
| Pay out in stablecoins | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Issue your own stablecoin | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Regulatory risk in United States | No stablecoin products | Low risk |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesOfficial remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026. | YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds. |
| Checkout for AI agents | Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found. | Not confirmedNot found on the official pages checked. |
| Cards for AI agents | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Published pricing | Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries | YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 148 of 170 | 130 of 170 |
| Designed for | Software, SaaS and app companies in most countries that want one company to handle global tax and payments. | SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. |
| Limitations | Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly. | Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants. |
Common questions
Is Paddle or Dodo Payments available in more countries?
Paddle. Of the 170 countries we track, Paddle onboards businesses in 148 (and 1 more with limits) and Dodo Payments in 130. Both serve businesses in 128. Only Paddle: Egypt, Nigeria, Kenya, Morocco, Pakistan, Bangladesh, Ukraine, Kuwait, Lebanon, Palestine, Algeria, Angola and 9 more. Only Dodo Payments: Mali and Zimbabwe.
What do Paddle and Dodo Payments offer?
Accept payments: Paddle yes, Dodo Payments yes. Pay people abroad: Paddle no, Dodo Payments no. Multi-currency account: Paddle no, Dodo Payments no. Business cards: Paddle no, Dodo Payments no. Stablecoins: Paddle no, Dodo Payments no. Yield on idle cash: Paddle no, Dodo Payments no.
How do Paddle and Dodo Payments differ for platforms and embedded finance?
End users can be individuals: Paddle partly, Dodo Payments yes. Accept stablecoins: Paddle not confirmed, Dodo Payments yes. Hold stablecoin balances: Paddle not confirmed, Dodo Payments no.
Who is Paddle designed for?
Software, SaaS and app companies in most countries that want one company to handle global tax and payments. Limitations: Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.
Who is Dodo Payments designed for?
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. Limitations: Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.
Related comparisons