Merchant of record
Paddle
Merchant of record for software, SaaS and app businesses
90%
of the world’s people live in the 149 countries where Paddle onboards local businesses.
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.
What it offers
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.
Not offered.
Not offered.
Not offered.
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Not offered.
Selling through Paddle
Software (B2B SaaS, consumer software, games) and related digital products. Prohibited: physical products, human services not tied to software (consulting, coaching, IT services), donations/crowdfunding/community access/sponsorship, marketplaces for non-Paddle sellers, adult content and dating, gambling, financial and payment services and crypto exchanges, gift cards and stored value, IPTV and streaming downloaders, deepfakes, face swaps and voice impersonation, device cleaners, antivirus and Captcha solving. Also prohibited: advertising and marketing services (job boards, MLM, mass SMS), travel services, medical advice, unlicensed software resale (e.g. Microsoft, Adobe) and exam-prep/essay services the seller does not own. Restricted (enhanced review): human-like face generation, technical support services, VPNs and proxies.
Software businesses (B2B SaaS, consumer software, games) in any country not on the unsupported list. Businesses whose primary offering is human services or physical goods are not a fit. The MSA defines suppliers to include individuals (e.g. its UK/Isle of Man supplier definition), but no general statement on individual sellers was found.
Bank/wire transfer (local ACH/SEPA/UK/CA/AU rails where currency matches, otherwise SWIFT with a $/€/£15 fee) or Payoneer. Payout currencies: AUD, GBP, CAD, CNY, CZK, DKK, EUR, HUF, PLN, ZAR, SEK, CHF, USD. Monthly: balance converted on the 1st if above the threshold (min $100), sent by the 15th. A conversion margin of up to 1.5% applies if the payout currency differs from the balance currency. Wise-style accounts that provide bank details can receive payouts.
Fees
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.
Prices change and may depend on your volume and country. Check the provider’s pricing page before relying on them.
Deeper review
Platform and product capabilities
What you can build on Paddle: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
The Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces.
medium confidence
Marketplaces for other sellers are prohibited, and no revenue-split feature was found.
medium confidence
Branded checkout flows that can be embedded in your website or app.
Embedded finance for your users
Give your users financial products under your brand.
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Read as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found.
medium confidence
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
AI agents
Build with AI tools, and let AI agents shop and pay.
Official remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026.
The AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found.
low confidence
Working with them
How easy it is to get started.
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
Where it onboards businesses
Available in 148 of the 170 countries we track, limited in 1.
Paddle works with software businesses anywhere except a published list of unsupported countries; businesses in occupied Ukrainian regions cannot sign up. Payouts go by bank/wire transfer or Payoneer, monthly.
High confidence: matches the provider’s published country list. Spotted a wrong country? Report it on that country’s page.
Available almost everywhere, with the exceptions listed here.
Europe · 1
Latin America · 4
Europe · 2
Africa · 8
Asia-Pacific · 3
Paddle: common questions
Which countries does Paddle support?
Paddle onboards businesses registered in 148 of the 170 countries we track, and in 1 more with limits (Ukraine). Not available: Cuba, Haiti, Nicaragua, Venezuela, Belarus, Russia, Iran, Iraq, Syria, Yemen, Central African Republic, DR Congo, Libya, Mali, Somalia, South Sudan, Sudan, Zimbabwe, Afghanistan, Myanmar and North Korea.
Where is Paddle available, by region?
Countries where Paddle onboards businesses (fully or with limits), by region: North America 2 of 2, Latin America 22 of 26, Europe 41 of 43, Middle East 10 of 14, Africa 41 of 49, Asia-Pacific 33 of 36.
What does Paddle offer?
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.
Does Paddle support stablecoins?
No stablecoin products are listed for Paddle.
Can marketplaces and platforms use Paddle?
Sub-accounts for your users: No (The Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces). Split payments and platform fees: No (Marketplaces for other sellers are prohibited, and no revenue-split feature was found). Embeddable UI: Yes (Branded checkout flows that can be embedded in your website or app). Pay out to your users: Not confirmed (Not found on the official pages checked).
What are the alternatives to Paddle?
Other merchant of record providers we track: Stripe Managed Payments, Polar, Gumroad, FastSpring, Dodo Payments and Creem. Which one fits depends mostly on where your business is registered.
Sources
- Paddle Help Center: Which countries are supported by Paddle? ↗
- Paddle Help Center: Impact of sanctions on Russia and Belarus ↗
- Paddle Help Center: Acceptable Use Policy (last updated 13 April 2026) ↗
- Paddle pricing ↗
- Paddle Master Services Agreement (clause 3.2 fees) ↗
- Paddle Help Center: When and how do I get paid? ↗
- Paddle Help Center: Can I be paid in my local currency? ↗
- Paddle Help Center: Is there a fee taken for payouts? ↗
- Paddle developer docs: Paddle MCP server ↗
- Paddle blog: AI Toolkit launch (20 October 2026) ↗