11 Merchant of Record Companies Compared (2026)

The MoR market is fragmented — here's the map

Search "Merchant of Record companies" and you'll get a confusing mix of SaaS providers, payment processors, ecommerce checkout tools, and full-stack commerce operators all using the same term. The reality: they solve very different problems.

This article maps 11 leading MoR providers across two axes: what type of seller they serve (SaaS / digital goods vs physical goods / consumer brands) and scope of services (payment-only vs full operations).

SaaS and digital goods MoRs

1. Paddle

Best for: SaaS, digital products, app developers.
Pricing: 5% + $0.50 per transaction.
Scope: Payment processing, sales tax across 200+ markets, subscription billing, fraud protection. No physical goods, no fulfillment, no customs.
Skip if: You sell physical products.

2. FastSpring

Best for: Software companies, digital downloads, online courses.
Pricing: Custom pricing, typically 5.9% + $0.95 per transaction or platform fee + monthly minimum.
Scope: Global payments, VAT/sales tax, subscription management, localization. No physical fulfillment.
Skip if: You sell physical products.

3. Lemon Squeezy

Best for: Indie SaaS founders, digital creators, small software products.
Pricing: 5% + 50¢ per transaction.
Scope: Payment, tax, license keys, subscriptions for digital products.
Skip if: You sell physical products.

4. Stripe (with Stripe Tax / Stripe Atlas)

Best for: Tech-savvy operators who want flexibility, not full MoR.
Pricing: 2.9% + 30¢ per transaction; Stripe Tax adds 0.5% on transactions where tax is calculated.
Scope: Stripe is primarily a payment processor; Stripe Tax adds tax calculation and filing in some jurisdictions but Stripe is NOT the legal seller.
Skip if: You need actual MoR services where someone else is the legal seller.

5. PayPro Global

Best for: Software vendors, digital subscriptions.
Pricing: Custom, around 5–8% per transaction.
Scope: SaaS-focused MoR with billing, tax, and 100+ payment methods.
Skip if: You sell physical products.

Cross-border ecommerce checkout MoRs

6. Global-e

Best for: Established Shopify or BigCommerce brands wanting to add international checkout to an existing D2C site.
Pricing: Variable, typically a percentage of international transaction value.
Scope: Cross-border checkout, currency conversion, duties calculation, local payment methods. Does NOT operate marketplaces, does NOT handle Amazon, does NOT manage your end-to-end ecommerce operations.
Skip if: You need someone to actually run channels for you.

7. ESW (eShopWorld)

Best for: Enterprise brands needing localized checkout in many markets.
Pricing: Enterprise contracts, custom pricing.
Scope: Cross-border ecommerce platform, MoR-style checkout, localization, fraud, customer service. D2C focused.
Skip if: You need multi-channel operations beyond D2C.

Marketplace operators (technically not MoRs but often confused with them)

8. Pattern

Best for: Brands wanting to scale specifically on Amazon (and to a lesser extent Walmart).
Pricing: Hybrid model — typically retainer + revenue share.
Scope: Amazon-first marketplace acceleration, listing optimization, ads management. Not a Merchant of Record in the legal sense.
Skip if: You need MoR or multi-channel operations.

Full-stack consumer brand MoRs

9. eBrands

Best for: Consumer brands expanding internationally across multiple channels (Amazon, D2C, TikTok Shop, marketplaces, retail).
Pricing: Monthly retainer + 6–10% performance commission on order value + setup fees per channel/market. Operational costs passed through at cost.
Scope: Full MoR + IoR + channel operations across 60+ markets and 100+ sales channels. Includes fulfillment, advertising, compliance, customer service.
Best if: You're a consumer brand wanting one operator to handle everything internationally.
Learn more about eBrands MoR.

10. Tradeport

Best for: Brands focused on European cross-border ecommerce.
Pricing: Custom.
Scope: European MoR services, fulfillment, returns. Smaller operational footprint than eBrands.
Skip if: You need US market coverage or multi-channel operations.

11. Hopstack / Reibus / regional players

A growing tail of regional and niche MoRs (some focused on specific verticals like B2B distribution, food, or beauty). Worth investigating only if you have very specific regional or category needs.

How to pick the right one

Three filtering questions, in order:

1. Do you sell digital or physical goods? Digital → Paddle / FastSpring / Lemon Squeezy. Physical → keep going.
2. Do you need full operations or just checkout? Just international checkout for an existing site → Global-e or ESW. Full multi-channel operations → eBrands.
3. How many channels? Single-channel (D2C only) → Global-e or ESW work. Multi-channel (D2C + Amazon + marketplaces + retail) → eBrands or similar full-stack operator.

Next step

If you've narrowed your search to consumer brand MoRs, our FAQ covers the eBrands model in detail. Or book a comparison call — we'll lay your specific needs against eBrands' scope honestly, including telling you when we're not the right fit.