Merchant-of-record billing for SaaS & apps.
Merchant-of-record take rate
Website: paddle.com
Chargebee pitch
Keep merchant-of-record simplicity where you need it — graduate to billing you actually control.
Why Chargebee wins
- Own your billing logic — Chargebee runs complex B2B subscriptions, proration and consolidated invoicing that Paddle's merchant-of-record model keeps rigid.
- No take-rate on every dollar — Route payments across 40+ gateways at processing cost instead of Paddle's 5%+ merchant-of-record fee.
- A finance system of record — Real-time MRR, entitlements and ASC 606 in-platform — not a payments-plus-tax wrapper.
Where Paddle wins
- You want tax & compliance fully off your plate (MoR)
- Selling apps or digital goods globally, fast
Where Chargebee wins
- Complex B2B billing, entitlements & rev-rec
- You don't want a % take rate on every transaction
Verdict
Paddle takes tax and compliance off your plate for a cut; Chargebee gives you full billing control without the take rate.
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