Payment model Payment model
Merchant of Record for one-time payments
simple checkout
One-time payments are usually easier than subscriptions, but eligibility still depends on what you sell and whether the provider accepts your country.
Strong starting shortlist
Gumroad
Easiest start for solo creators. Flat 10% is steep at scale.
Indie creators Ebooks Templates
Payhip
Simple, low-cost entry point. Better for testing than scaling globally.
Coaches starting out Ebooks Templates
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
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.
- • Confirm refund and chargeback handling, especially for higher-ticket products.