Every roundup of this question is written by a Merchant of Record vendor - including this one's obvious bias: we build paas.build. So here's the version with sources linked, competitors' real strengths named, and the two columns nobody else shows: how fast is your first live charge, and does it work without a company.
| Solution | Time to first live charge | Works without a company? | Who is the merchant | Headline price | Cost on a $9 sub |
|---|---|---|---|---|---|
| paas.build | Same session (progressive KYB, capped) | Yes - individuals & sole traders | You | 3.9% flat | $0.35 (3.9%) |
| Lovable Payments (Paddle MoR) | Paddle review first | Individuals possible, after review | Paddle | 5% + $0.50 pattern | $0.95 (10.6%) |
| Freemius | Review + integration | Yes, after review | Freemius (MoR) | ~5-7% by volume | ~$0.50-0.65 |
| Paddle | Days; rejections for thin track records | Prefers established entities | Paddle (MoR) | 5% + $0.50 | $0.95 (10.6%) |
| Lemon Squeezy → Stripe Managed Payments | Migration in progress; review | Yes, after review | Stripe (MoR) | reported ~6.4% + $0.30 | ~$0.88 (~9.7%) |
| Creem | 24-72h review; waitlists reported | Yes, after review | Creem (MoR) | 3.9% + $0.40 (+payout fees) | $0.75 (8.3%) |
| Dodo Payments | 24-72 working hours | Yes, after review | Dodo (MoR) | 4% + $0.40 (+1.5% intl, +0.5% subs) | $0.81-0.94 (9-10.4%) |
| Gumroad | Fast signup | Yes | Gumroad (MoR) | 10% + $0.50 | $1.40 (15.6%) |
Published rates as of July 2026; sources: vendor pricing pages and docs - full fee breakdowns in our Dodo, Creem, Kelviq and Stripe Managed Payments reviews. Always verify current pricing.
It depends on two questions: do you need to charge TODAY (then time-to-first-live-charge matters - paas.build is same-session; MoR reviews take days), and do you want global tax handled for you (then a Merchant of Record like Paddle, Freemius or Dodo earns its higher fee). This page compares all 8 on both.
paas.build (individuals live the same day via progressive KYB), and several MoRs (Dodo, Creem, Gumroad) also onboard individuals - but after a review queue of one to several days. Stripe and Paddle generally expect an established entity or track record.
paas.build: $0.35 (3.9% flat). Paddle/Lemon Squeezy pattern (5% + $0.50): $0.95 = 10.6%. Dodo (4.5% + $0.40 US sub): $0.81 = 8.9%. Creem (3.9% + $0.40): $0.75 = 8.3%. Gumroad (10% + $0.50): $1.40 = 15.6%. Fixed fees are what kill small AI-app tickets.
Lovable Payments runs on Paddle as the Merchant of Record - convenient inside the editor, but Paddle is the legal seller (their name on the invoice, their review) at MoR pricing. paas.build works inside Lovable too, with you as the merchant at 3.9% flat.