Flat 4.5% + $0.50 per transaction — merchant of record, global tax, FX and disputes included. Half a point cheaper than Paddle, with margin telemetry they don't have.
Volume over $250k/mo? Rates step down automatically — see Enterprise below.
Estimates only. Macropay & Paddle are merchant of record — tax liability is on us. Stripe is not: the 0.5% is Stripe Tax for calculation; you still register, file and remit in every jurisdiction yourself.
Paddle gives you merchant of record. We give you merchant of record plus the metering, ledger and margin tooling an AI business actually runs on — at a lower rate. Everything below is in the flat fee.
We're the seller of record on every charge. Your customer's invoice, our liability. You never touch a tax form.
VAT, GST and US sales tax registered, calculated, collected, filed and remitted across 60+ jurisdictions — automatically.
Charge in 38 currencies with cards, wallets and regional rails. We settle to you in your currency. No FX surcharge.
Meter any event — tokens, tool calls, seats. Net inference and infra cost against revenue to see live margin per agent.
We assemble evidence and fight chargebacks for you. Flat $30 a case, win or lose — no percentage skim, no surprises.
Four lines of code. A real double-entry ledger, dunning, retries, payouts (T+2), 1099/KYC for payees — all in the box.
The other merchants of record charge 5% and stop at billing. Stripe is cheaper on paper until the tax liability lands on your desk. Macropay is the only one built for AI usage and margin.
* Stripe base rate excludes Stripe Tax (0.5%), international (+1%), currency conversion (+1.5%) and Billing (0.5–0.8%), which stack on top for global digital sales. You remain the merchant of record.
High-volume and platform accounts get interchange-plus pricing, custom dispute terms and a dedicated solutions engineer. Same all-in model — just a number that scales with you.
Start in test mode in minutes. Flip the switch when you're ready — no card, no contract, no platform fee.