Best Merchant of Record Software in 2026
Updated
Selling digital goods or subscriptions involves choices about how buyers check out, receive what they purchased, and pay. Compared on checkout options, digital delivery, subscription billing, and tax handling, these services offer criteria for assessing those parts of a sales operation. Supported countries and payout currencies help frame where sales and payouts are covered. Coda, Polar, and Fungies are among the options to compare. Free-plan availability and paid-from pricing add cost context, so weigh those details against the transaction and delivery needs of your business.
6 of 12 with known pricing have a free tier;0 apps show full bars: free, open, on most devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | CodaWeb · Android · iPhone · API | Three bars | 3 of 6 | Free | 6.6 | ||
| 2 | PolarWeb · Android · iPhone · API · Extension | Three bars | 3 of 6 | $20/mo | 6.6 | ||
| 3 | AquadraticWeb · API | Two bars | 1 of 6 | $19/mo | 6.4 | ||
| 4 | FungiesWeb · API | Two bars | 1 of 6 | Free | 6.4 | ||
| 5 | Lemon SqueezyWeb · API | Two bars | 1 of 6 | Free | 6.4 | ||
| 6 | TebexWeb · API · Extension | Two bars | 1 of 6 | £12.49/mo | 6.4 | ||
| 7 | FreemiusWeb · Windows · iPhone · API · Extension | Two bars | 3 of 6 | 5.6 | |||
| 8 | GumroadWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 9 | WhopWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 10 | BreezeWeb · iPhone · API | One bar | 2 of 6 | 5.5 | |||
| 11 | ReachWeb · API | One bar | 1 of 6 | 5.5 | |||
| 12 | WayopayWeb · iPhone | One bar | 2 of 6 | 5.5 | |||
| 13 | AppStarWeb | One bar | 1 of 6 | 5.4 | |||
| 14 | CleverbridgeWeb · API | One bar | 1 of 6 | 5.4 | |||
| 15 | FINBPMWeb · API | One bar | 1 of 6 | 5.4 | |||
| 16 | NDEIGHTWeb · API | One bar | 1 of 6 | $49/mo | 5.4 | ||
| 17 | Digital RiverWeb · API | One bar | 1 of 6 | 5.3 | |||
| 18 | CreemWeb · Android · iPhone · API | Two bars | No | 3 of 6 | 5.2 | ||
| 19 | Dodo PaymentsWeb · Android · iPhone · API | Two bars | No | 3 of 6 | 5.2 | ||
| 20 | XsollaWeb · Windows · Android · iPhone · API | Two bars | No | 4 of 6 | 5.2 | ||
| 21 | ZotloWeb · Android · iPhone · API | Two bars | No | 3 of 6 | 5.2 | ||
| 22 | MacropayWeb · iPhone · API | One bar | 2 of 6 | 5.1 | |||
| 23 | PayPro GlobalWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.1 | |||
| 24 | Stripe Managed PaymentsWeb · Android · iPhone · API | Two bars | No | 3 of 6 | 5.1 | ||
| 25 | 2Checkout Hosted CheckoutWeb · API | One bar | No | 1 of 6 | 5.0 |
Compare all 25 in a table
| # | App | Score | Free plan | Paid from | Tax handling | Subscription billing |
|---|---|---|---|---|---|---|
| 1 | Coda | 6.6 | No | full | Yes | |
| 2 | Polar | 6.6 | Yes | 20 /mo | full | Yes |
| 3 | Aquadratic | 6.4 | Yes | full | ||
| 4 | Fungies | 6.4 | Yes | full | Yes | |
| 5 | Lemon Squeezy | 6.4 | Yes | |||
| 6 | Tebex | 6.4 | Yes | full | Yes | |
| 7 | Freemius | 5.6 | full | Yes | ||
| 8 | Gumroad | 5.6 | ||||
| 9 | Whop | 5.6 | Yes | full | Yes | |
| 10 | Breeze | 5.5 | full | Yes | ||
| 11 | Reach | 5.5 | full | Yes | ||
| 12 | Wayopay | 5.5 | No | full | Yes | |
| 13 | AppStar | 5.4 | calculation | Yes | ||
| 14 | Cleverbridge | 5.4 | ||||
| 15 | FINBPM | 5.4 | full | Yes | ||
| 16 | NDEIGHT | 5.4 | collection | Yes | ||
| 17 | Digital River | 5.3 | ||||
| 18 | Creem | 5.2 | No | full | Yes | |
| 19 | Dodo Payments | 5.2 | No | full | Yes | |
| 20 | Xsolla | 5.2 | No | full | Yes | |
| 21 | Zotlo | 5.2 | No | full | Yes | |
| 22 | Macropay | 5.1 | No | full | Yes | |
| 23 | PayPro Global | 5.1 | No | |||
| 24 | Stripe Managed Payments | 5.1 | No | full | Yes | |
| 25 | 2Checkout Hosted Checkout | 5.0 | No |
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Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.