Compare
Polar vs FastSpring
Only FastSpring · 47
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
Polar
AvailableFastSpring
AvailableAccept payments
Polar
Polar is merchant of record for software, SaaS and digital products, handling checkout, subscriptions, usage billing and international sales tax, and pays out through Stripe Connect Express.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
Polar
Not offeredFastSpring
Not offeredMulti-currency account
Polar
Not offeredFastSpring
Not offeredBusiness cards
Polar
Not offeredFastSpring
Not offeredStablecoins
Polar
Not offeredFastSpring
Not offeredYield on idle cash
Polar
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
Polar
No yield offeredFastSpring
No yield offeredIs the money protected?
Polar
–FastSpring
–Does the rate change?
Polar
–FastSpring
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Polar
Starter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Early Member rate of 4% + $0.40 (+0.5% on subscriptions). 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
Polar
Not publishedFastSpring
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Polar
NoProducts that let other sellers sell through Polar are prohibited.FastSpring
NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found.Split payments and platform fees
Polar
NoSelling others’ products for an upfront payment or revenue share is prohibited; no revenue-split feature was found in the pages checked.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
Polar
YesEmbedded checkout on your own site via a code snippet or JavaScript library.FastSpring
YesEmbedded and popup checkouts let customers buy without leaving your site.Pay out to your users
Polar
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
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Cards for your users
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Financing for your users
Polar
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
Polar
YesRead as "the seller can be an individual": individuals can sell where Stripe Connect Express supports individual accounts.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
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Consumer cards
Polar
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
Polar
Not confirmedNo stablecoin payment method found; NFTs and crypto assets are prohibited products.FastSpring
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Polar
No stablecoin productsFastSpring
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Polar
YesOfficial remote MCP server (mcp.polar.sh) with OAuth, with production and sandbox endpoints.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
Polar
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Cards for AI agents
Polar
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
Polar
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.Published pricing
Polar
YesStarter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the EaFastSpring
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
Polar
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.In short
Countries onboarded
Polar
111 of 170FastSpring
157 of 170Designed for
Polar
Developers in countries without Stripe Payments who sell software, licences or paid repo access.FastSpring
Established software and game companies that want a negotiated merchant of record contract and many payout options.Limitations
Polar
Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts.FastSpring
No published price list; rates are quoted by sales.| Polar Merchant of record | FastSpring Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Polar is merchant of record for software, SaaS and digital products, handling checkout, subscriptions, usage billing and international sales tax, and pays out through Stripe Connect Express. | 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 | Starter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Early Member rate of 4% + $0.40 (+0.5% on subscriptions). 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 | NoProducts that let other sellers sell through Polar are prohibited. | NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found. |
| Split payments and platform fees | NoSelling others’ products for an upfront payment or revenue share is prohibited; no revenue-split feature was found in the pages checked. | 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 | YesEmbedded checkout on your own site via a code snippet or JavaScript library. | 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 | YesRead as "the seller can be an individual": individuals can sell where Stripe Connect Express supports individual accounts. | 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 confirmedNo stablecoin payment method found; NFTs and crypto assets are prohibited products. | 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 MCP server (mcp.polar.sh) with OAuth, with production and sandbox endpoints. | 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 confirmedNot found on the official pages checked. | 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 | YesStarter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Ea | 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 | 111 of 170 | 157 of 170 |
| Designed for | Developers in countries without Stripe Payments who sell software, licences or paid repo access. | Established software and game companies that want a negotiated merchant of record contract and many payout options. |
| Limitations | Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts. | No published price list; rates are quoted by sales. |
Common questions
Is Polar or FastSpring available in more countries?
FastSpring. Of the 170 countries we track, Polar onboards businesses in 111 and FastSpring in 157 (and 1 more with limits). Both serve businesses in 111. Only FastSpring: Brazil, China, Belize, Haiti, Honduras, Nicaragua, Suriname, Georgia, Montenegro, Ukraine, Lebanon, Yemen and 35 more.
What do Polar and FastSpring offer?
Accept payments: Polar yes, FastSpring yes. Pay people abroad: Polar no, FastSpring no. Multi-currency account: Polar no, FastSpring no. Business cards: Polar no, FastSpring no. Stablecoins: Polar no, FastSpring no. Yield on idle cash: Polar no, FastSpring no.
How do Polar and FastSpring differ for platforms and embedded finance?
Split payments and platform fees: Polar no, FastSpring partly. Official MCP server: Polar yes, FastSpring not confirmed.
Who is Polar designed for?
Developers in countries without Stripe Payments who sell software, licences or paid repo access. Limitations: Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts.
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.
Related comparisons