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Paddle vs FastSpring
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Onboards businesses in United States
Paddle
AvailableFastSpring
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.FastSpring
FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal.Pay people abroad
Paddle
Not offeredFastSpring
Not offeredMulti-currency account
Paddle
Not offeredFastSpring
Not offeredBusiness cards
Paddle
Not offeredFastSpring
Not offeredStablecoins
Paddle
Not offeredFastSpring
Not offeredYield on idle cash
Paddle
Not offeredFastSpring
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 offeredFastSpring
No yield offeredIs the money protected?
Paddle
–FastSpring
–Does the rate change?
Paddle
–FastSpring
–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.FastSpring
No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Published prices
Paddle
Not publishedFastSpring
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.FastSpring
NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found.Split payments and platform fees
Paddle
NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found.FastSpring
PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted.Embeddable UI
Paddle
YesBranded checkout flows that can be embedded in your website or app.FastSpring
YesEmbedded and popup checkouts let customers buy without leaving your site.Pay out to your users
Paddle
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
Not confirmedNot found on the official pages checked.Cards for your users
Paddle
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Financing for your users
Paddle
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
YesRead as "the seller can be an individual": the Payouts Portal accepts Individual accounts with a national tax ID or SSN.Consumer wallets or accounts
Paddle
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Consumer cards
Paddle
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Paddle
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Paddle
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Paddle
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Paddle
No stablecoin productsFastSpring
No stablecoin productsAI 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.FastSpring
Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count.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.FastSpring
Not confirmedNot found on the official pages checked.Cards for AI agents
Paddle
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
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 carriesFastSpring
YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Public API and sandbox
Paddle
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.In short
Countries onboarded
Paddle
148 of 170FastSpring
157 of 170Designed for
Paddle
Software, SaaS and app companies in most countries that want one company to handle global tax and payments.FastSpring
Established software and game companies that want a negotiated merchant of record contract and many payout options.Limitations
Paddle
Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.FastSpring
No published price list; rates are quoted by sales.| Paddle Merchant of record | FastSpring 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. | FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal. |
| 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. | No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. 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, platforms and aggregators are restricted business types; no sub-account product was found. |
| Split payments and platform fees | NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found. | PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted. |
| Embeddable UI | YesBranded checkout flows that can be embedded in your website or app. | YesEmbedded and popup checkouts let customers buy without leaving your site. |
| 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": the Payouts Portal accepts Individual accounts with a national tax ID or SSN. |
| 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. | Not confirmedNot found on the official pages checked. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| 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 | No stablecoin products |
| 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. | Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count. |
| 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 | YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24. |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 148 of 170 | 157 of 170 |
| Designed for | Software, SaaS and app companies in most countries that want one company to handle global tax and payments. | Established software and game companies that want a negotiated merchant of record contract and many payout options. |
| Limitations | Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly. | No published price list; rates are quoted by sales. |
Common questions
Is Paddle or FastSpring available in more countries?
FastSpring. Of the 170 countries we track, Paddle onboards businesses in 148 (and 1 more with limits) and FastSpring in 157 (and 1 more with limits). Both serve businesses in 148. Only Paddle: Palestine. Only FastSpring: Haiti, Nicaragua, Yemen, Central African Republic, DR Congo, Libya, Mali, South Sudan, Zimbabwe and Afghanistan.
What do Paddle and FastSpring offer?
Accept payments: Paddle yes, FastSpring yes. Pay people abroad: Paddle no, FastSpring no. Multi-currency account: Paddle no, FastSpring no. Business cards: Paddle no, FastSpring no. Stablecoins: Paddle no, FastSpring no. Yield on idle cash: Paddle no, FastSpring no.
How do Paddle and FastSpring differ for platforms and embedded finance?
Split payments and platform fees: Paddle no, FastSpring partly. End users can be individuals: Paddle partly, FastSpring yes. Official MCP server: Paddle yes, FastSpring not confirmed.
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 FastSpring designed for?
Established software and game companies that want a negotiated merchant of record contract and many payout options. Limitations: No published price list; rates are quoted by sales.
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