Directory Directory
Best Merchant of Record providers
by fit, not sponsorship
The best MoR depends on product category, country, tax needs and payment model. This page starts from documented fit instead of a universal ranking.
Strong starting shortlist
Paddle
Strong fit for SaaS/software. Not for human services.
SaaS Downloadable software AI tools
Lemon Squeezy
Founder-friendly MoR for digital goods. Strict on services.
Indie SaaS Digital downloads Templates
Digistore24
Top pick for coaches and course creators wanting an EU-friendly MoR.
Online courses Coaching programs High-ticket offers
CopeCart
Built for coaches and high-ticket programs. Strong installment + affiliate features.
1:1 coaching Group coaching High-ticket offers
FastSpring
Mature global MoR for software. Solid for B2B SaaS that needs hands-on support.
SaaS Downloadable software Games
Gumroad
Easiest start for solo creators. Flat 10% is steep at scale.
Indie creators Ebooks Templates
What to verify
- • Confirm the provider acts as legal seller, reseller or Merchant of Record for your exact flow.
- • Ask whether your product category, delivery model and customer countries are allowed.
- • Verify tax coverage for EU VAT, UK VAT, US sales tax and any priority customer markets.
- • Check payout countries, currencies, refund rules, chargeback handling and invoice support.
- • Sponsored visibility never changes editorial scoring.