Paddle is a Merchant of Record: simple, but it becomes the legal seller — its name on the receipt, your customer on its books, 5% + $0.50 on every sale. paas.build keeps you the merchant at 3.9% flat, goes live the same day, and does the one thing an MoR structurally can't: pay your users too.
| Paddle | paas.build | |
|---|---|---|
| Pricing | 5% + $0.50 per sale | 3.9% flat — no fixed fee |
| Model | Merchant of Record — Paddle is the seller | PayFac — you stay the merchant |
| Receipt & brand | Paddle’s name on the statement | Your name, your brand |
| Your customer data | On Paddle’s books | Yours |
| Your users get paid | ✗ structurally impossible | ✓ built-in platform payouts |
| Go-live | Vendor review before selling | Same day — capped, verified in background |
| Global sales tax | ✓ Paddle remits it for you | You remain seller of record (tooling on roadmap) |
No — paas.build is a payment facilitator (PayFac). You stay the legal seller: your brand on the receipt, your customer relationship, your data. Paddle replaces you as the seller.
You are the seller of record, so your tax stays yours. paas.build ships tax tooling and guides; an MoR fallback is on the roadmap for markets it does not cover. Paddle’s genuine edge is remitting tax for you.
Go live the same day (capped until verification completes in the background), mount the drop-in checkout, and route new sales through paas.build while your Paddle account winds down.
Yes — split payments and pay out your app’s users (marketplaces, communities, platforms). A Merchant of Record cannot move money between your users.
One prompt. A real merchant account. No company required.