COMPARE
Merchant of record providers, compared
Kelviq is a merchant of record for SaaS, AI and digital products: 3.5% + 40¢ per transaction, plus 1.5% on international cards and 0.7% on subscription payments. Here's how it compares, with each provider's own published fee.
Kelviq vs Stripe
Teams that want to be the seller of record and handle sales tax themselves.
2.9% + 30¢ per US card payment
Not a merchant of record
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Kelviq vs Paddle
SaaS companies that want an established merchant of record for subscriptions.
5% + 50¢ per transaction
Merchant of record
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Kelviq vs Lemon Squeezy
Indie makers selling software, downloads and simple subscriptions.
5% + 50¢ per transaction
Merchant of record
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Kelviq vs Polar
Developers selling open source, digital products and subscriptions.
5% + 50¢ on the free plan, lower on paid plans
Merchant of record
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Kelviq vs Dodo Payments
SaaS and digital product teams selling globally from one account.
4% + 40¢ per US card payment
Merchant of record
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Kelviq vs Gumroad
Creators selling courses, ebooks and memberships to an audience.
10% + 50¢ on direct sales
Merchant of record
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Kelviq vs FastSpring
Larger software and game companies that want negotiated rates.
Fee not published, quoted by sales
Merchant of record
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Kelviq vs Chargebee
Finance teams running subscription billing on top of their own payment gateway.
A billing plan fee, plus your payment gateway's fees
Not a merchant of record
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Kelviq vs PayPal
Businesses whose buyers already pay with PayPal wallets.
3.49% + 49¢ per PayPal Checkout payment in the US
Not a merchant of record
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Kelviq vs Razorpay
Indian businesses selling mostly to customers in India.
2% per domestic card payment in India
Not a merchant of record
See the comparison →Fees are each provider's standard published rate, taken from their own pricing pages in October 2026. Many add charges for international cards, currency conversion or payouts, so check their pricing page before you decide.
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