Editorial comparison
Payment stack for EU SaaS
EU SaaS decisions benefit from separating the common OSS framework from country rate records.
Last verified: 2026-09-05 · Source-linked catalog
Run your own scenarioThe catalog stores the common EU rule once and keeps member-state rates as dated source-linked records. Use a member-state destination split when you know it, and treat missing or partial cells as review items.
Catalog status
This page reads the same provider, pricing-input and tax catalog used by the calculator: 10 verified provider plan record(s), 48 production-enabled coverage row(s), 42 published tax rule record(s), 43 tax rate record(s), and 13 threshold record(s).
Current provider records
| Plan | Stored fee fields | MoR | Tax operations | Verification / source |
|---|---|---|---|---|
| Stripe DirectStripe | Regional pricing · additional fields: billingSeller-country dependent36 seller-country/card-region rows · Seller regions: AU, CA, DE, ES, FR, HK, IE, IT, JP, NL, SE, SG, UK, USPricing varies by seller country. Run the calculator with seller country selected.Monthly fee: 0.00 USD | No | Merchant responsibility fieldsStripe Direct is modeled as payment processing; the merchant remains the seller and tax operator. Stripe Billing or other recurring-billing products are separate from the direct payment row. | verified · 2026-09-05Stripe Direct official source record ↗ |
| Stripe + Stripe TaxStripe | Regional pricing · additional fields: billing, tax serviceSeller-country dependent36 seller-country/card-region rows · Seller regions: AU, CA, DE, ES, FR, HK, IE, IT, JP, NL, SE, SG, UK, USPricing varies by seller country. Run the calculator with seller country selected.Monthly fee: 0.00 USD | No | calculate · collectStripe Tax Basic calculates and collects in supported contexts; registration, filing and remittance are not transferred by this PSP-plus-tax plan. Stripe Tax Complete is a separate full-compliance product and its registration/filing coverage is tiered. | verified · 2026-09-05Stripe + Stripe Tax official source record ↗ |
| Stripe Managed PaymentsStripe | Regional pricing · additional fields: billing, MoRSeller-country dependent36 seller-country/card-region rows · Seller regions: AU, CA, DE, ES, FR, HK, IE, IT, JP, NL, SE, SG, UK, USPricing varies by seller country. Run the calculator with seller country selected.Monthly fee: 0.00 USD | Yes | calculate · collect · file · remit · registrationManaged Payments adds a 3.5% MoR fee to standard Stripe payment fees. Subscription billing fees apply separately when Stripe Billing is used. The official Managed Payments page states 75+ tax countries but does not publish a complete jurisdiction matrix. | verified · 2026-09-05Stripe Managed Payments official source record ↗ |
| Paddle BillingPaddle | 5.00% + 0.50 USDMonthly fee: 0.00 USD | Yes | calculate · collect · file · remit · registrationPaddle describes the 5% + 50¢ Checkout price as all-inclusive for payments, billing, tax compliance, fraud, chargebacks and buyer support. Paddle's terms separately publish a 3.5% invoice bank-transfer discount and possible FX margins; the standard Checkout row does not silently add either. | verified · 2026-09-05Paddle Billing official source record ↗ |
| Polar StarterPolar | 5.00% + 0.50 USD · additional fields: international-cardMonthly fee: 0.00 USD | Yes | calculate · collect · file · remit · registrationPolar states that it is the Merchant of Record and takes on international sales-tax liability for sales through the platform. The seller remains responsible for income/revenue tax in its country of residence and for customer relationship/support work. | verified · 2026-09-05Polar Starter official source record ↗ |
| Lemon SqueezyLemon Squeezy | 5.00% + 0.50 USD · additional fields: international-cardMonthly fee: 0.00 USD | Yes | calculate · collect · file · remit · registrationLemon Squeezy states that it is the Merchant of Record for sales through the platform and handles sales-tax/VAT collection and remittance. Store activation includes KYC/KYB and product-scope review; country and product approval is not automatic. | verified · 2026-09-05Lemon Squeezy official source record ↗ |
Useful next step
Run a scenario with your real revenue, order value and customer mix. The output links to source records and labels gaps as Review Required.
This page is educational and uses the catalog methodology. It is not legal or tax advice; rules and provider terms change.