Paddle

Paddle is a merchant of record for software companies: it sells a vendor's SaaS, apps, games and digital products to customers on the vendor's behalf, and in doing so takes on payments, subscription billing, sales tax calculation and remittance in more than 300 markets, fraud and chargeback liability, and invoicing. The suite includes Billing, a localized Checkout, Subscriptions, Reporting, Invoicing for recurring B2B billing, Fraud protection, Retain for recovering failed payments and reducing churn, ProfitWell Metrics for free subscription analytics, and an in app purchase option for mobile. It is built for SaaS companies, app developers and studios, game studios and software vendors that want to sell globally without running their own tax and compliance operation. Paddle's AI tooling is aimed at developers and founders building with AI assistants. A hosted docs MCP server gives tools such as Cursor, VS Code, Claude Code and OpenAI Codex live access to Paddle documentation, the API specification and SDK references, and a separate Paddle MCP server lets an assistant act in the account, creating catalog items, notification destinations and subscriptions. Paddle is also available as a merchant of record option inside Lovable Payments, where the Lovable agent sets up accounts, products, checkout and billing logic during the build, which Paddle describes as the first native merchant of record integration inside an AI development platform. Pricing is published as pay as you go at 5 percent plus 50 cents per checkout transaction, with no monthly, migration or hidden fees; checkout, subscriptions, payments, tax and compliance, fraud protection, reporting, migration and support are included. Custom pricing is available for large or fast scaling businesses, and vendors selling products under $10 or needing invoicing are asked to contact Paddle for a custom rate.