SaaS Billing & Payments — Head-to-Head Comparisons
10 saas billing & payments comparisons. Each page shows side-by-side pricing, plan limits, and feature differences — verified daily against vendor pages.
How these saas billing & payments products compare
SaaS billing and payments pricing in 2026 splits into two fundamental categories. Payment processors (Stripe, Recurly for TPV-based): charge transaction fees (2.9% + $0.30) and optional platform fees for subscription management (Stripe Billing 0.7%). Merchants of Record (Paddle, Lemon Squeezy): charge higher percentage (5% + 50¢) but handle all global tax compliance — you don't collect/remit sales tax, VAT, GST. For a SaaS doing $1M/year: Stripe + Stripe Tax costs ~$42,000 in fees (2.9% + $0.30 × 12k transactions + $500/mo Stripe Tax). Paddle costs ~$55,000 (5% + 50¢ × 12k). The $13k premium buys you zero tax headaches — significant time savings. Chargebee is for enterprise subscription billing complexity ($7,188/year + overage). The decision: DIY tax vs MoR convenience, volume-dependent math.
How to choose between saas billing & payments options
Calculate total cost of ownership. For a US-only SaaS doing $50k-500k/year: Stripe's 2.9% + $0.30 + Stripe Billing 0.7% = effectively 3.6% all-in is cheapest. For global SaaS doing $100k+/year with customers in EU/UK/Canada/Australia: Paddle's 5% + 50¢ is worth paying because global tax compliance (VAT, GST, sales tax in 50 US states) costs $5-20k/year in software + accountant time otherwise. For enterprise SaaS with complex billing (usage-based, custom contracts, multi-entity): Chargebee Performance at $7,188/year handles complexity Stripe Billing cannot. Lemon Squeezy is the indie-friendly Paddle — 5% + 50¢ MoR model, developer-friendly, best for $1k-100k ARR indie SaaS. Recurly targets enterprise ($1M+ TPV minimum) — skip unless you're at scale.
All 10 head-to-head comparisons
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