paas.build Open my account
3.9%

That’s the whole page.

Almost. Here’s the rest, in plain language.

Included in the 3.9%

Embedded checkout & drop-ins

Inside your app, in your brand. No redirects.

Subscriptions & billing

Free / Pro / Max plans, renewals, saved cards, one-click — plus credit top-ups.

User onboarding (KYB)

AI-reviewed accounts for you — and for your users.

Split payments & payouts

Real-time splits, scheduled payouts, statements.

Every payment method

Cards, Apple Pay, Google Pay, Direct Debit, SEPA.

No other fees

No monthly fee. No setup fee. No hidden anything.

Get your keys by email
Go live when you're ready - no company needed, 3.9% flat.
The math

The cheaper your product, the more Paddle costs you.

The 5% + 50¢ model punishes exactly the price points AI builders use. Products under $10 aren’t even on Paddle’s standard pricing.

Your price pointPaddle (5% + 50¢)paas.buildYou save
$9/mo subscription10.6% effective — “custom pricing” territory3.9%~63%
$19/mo subscription7.6% effective3.9%~49%
$49 one-off6.0% effective3.9%~35%
Your numbers

What you’d pay. What you’d keep.

Paddle modelled at their published 5% + $0.50 per checkout.

Paddle$667/mo
paas.build (3.9%)$390/mo
You keep$3,318/yr
Cheaper by41%
Platform mode

Building a platform? Flip the table.

You earn a share of every transaction your users process. Payments pay you.

How platform payments work

The honest bit

Who handles tax?

You’re the seller of record: the money is yours — and so is your VAT or sales tax. We ship plain-English guides and tax-engine integrations, and most builders start selling where they live anyway.

Global tax-handled-for-you is the one thing merchant-of-record providers genuinely do better — that’s the 5% you’re paying them for. On our roadmap: a merchant-of-record fallback for the markets we don’t cover.

Quick answers

When do I get paid?

Payouts run on a schedule you choose — daily, weekly or monthly, after the standard card-settlement window. Exact timing for your setup is confirmed at onboarding.

What about chargebacks and refunds?

Fraud screening and 3DS2 are included. Dispute and refund fees follow the standard UniPaaS schedule — ask us for the exact numbers before you go live and you'll get them in writing, no surprises.

Very small transactions?

3.9% flat with no fixed fee — which is exactly why small tickets work here: a $3 sale costs 12c, where a 30c fixed fee would eat 10%.

Volume discounts?

Yes — pricing improves with volume. Tell us your numbers and you'll get a concrete offer from the CTO, not a sales funnel.

Which countries?

Your buyers can pay from anywhere in the world. To open an account, your business needs to be based in the UK, EU or US — more countries via waitlist.

Payouts settle through J.P. Morgan · FCA-regulated, Authorised Payment Institution No. 929994 · Funds safeguarded in segregated accounts · Trust & security