Editorial take
Why it stands out
MoR means Polar is the merchant on card statements—factor that into support and refund policies.
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Tool profile
Platform for selling software and digital products with billing, fulfillment, and creator tools.
Indie and AI SaaS selling internationally without own tax stack
Polar is a billing and checkout platform for SaaS and AI usage with Merchant of Record positioning.
polar.sh/resources/pricing (March 2026) states 4% + 40¢ per transaction as the headline MoR fee covering payment processing and global tax and VAT compliance, with no monthly or setup fees on that page. Additional fees include about +1.5% for international (non-US) cards, +0.5% for subscription payments, and $15 per chargeback dispute (network-imposed, not refunded on refunds). Payouts pass through Stripe costs: about $2 per month when you have active payouts plus 0.25% + $0.25 per payout, plus cross-border currency conversion fees listed by region.
Polar also markets usage billing (events, tokens) and benefits tied to tiers—implementation is SDK-driven. Volume pricing is sales-led for large sellers.
Quick fit
Editorial take
MoR means Polar is the merchant on card statements—factor that into support and refund policies.
What it does well
Primary use cases
Fit notes
Compare with
Pressure-test this pick against nearby alternatives.
Pricing snapshot
Polar's public pricing page shows 4% + $0.40 per transaction as the base merchant-of-record fee. The same page lists +1.5% for international cards, +0.5% for subscription payments, and a $15 chargeback fee. Volume pricing is sales-led.
Gumroad
Free planIndie creators selling ebooks, templates, and courses
Creator commerce platform for selling digital products, memberships, and online downloads.
Not ideal for complex B2B invoicing or usage billing.
