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MoR Finder
Use case Use case

Merchant of Record for creators
small digital catalogs

Creators usually value fast setup, hosted checkout, tax handling and simple payout rails more than enterprise billing features.

Strong starting shortlist

Gumroad

Easiest start for solo creators. Flat 10% is steep at scale.

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Indie creators Ebooks Templates

Payhip

Simple, low-cost entry point. Better for testing than scaling globally.

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Coaches starting out Ebooks Templates

Lemon Squeezy

Founder-friendly MoR for digital goods. Strict on services.

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Indie SaaS Digital downloads Templates

Polar

Developer-loved MoR with thoughtful DX and OSS funding features.

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Open-source maintainers Indie SaaS AI tools

Skool

Strong community feature-set. Verify tax setup; not a full MoR.

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Paid communities Group coaching Cohort-style learning

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.
  • • Flat fees can become expensive at scale; model costs before moving serious volume.
Directory match

Providers that accept Digital downloads

high confidence

Stripe Managed Payments

Stripe's MoR offering bundled with Stripe Tax. Targets digital goods and software with familiar Stripe APIs.
high confidence

Payhip

Lightweight checkout for digital products, coaching and memberships. Friendly for beginners and small catalogs.
high confidence

Teachable

Course/coaching platform with payment collection and native-gateway tax handling, not a general full-service MoR.
high confidence

Whop

Creator commerce and marketplace platform with payment-MoR language, but not a full reseller/MoR for all tax and supplier obligations.
high confidence

2Checkout (Verifone)

Long-running MoR (now part of Verifone) for software, SaaS and digital subscriptions with global coverage.
high confidence

Ablefy (formerly Elopage)

European reseller for coaches, consultants, e-teachers and digital service providers. Rebranded from Elopage.
high confidence

BoltPlay

Specialist Merchant of Record service agreement for digital goods, games, subscriptions and downloadable content.
high confidence

Cleverbridge

Enterprise MoR focused on B2B SaaS, software and subscription businesses with managed back-office and renewals.
high confidence

ClickBank

Affiliate marketplace and final retailer/reseller for digital, recurring and some physical direct-response products.