Stop dreading the freeze. Pick the right Merchant-of-Record.
For Indian solo SaaS founders selling overseas. In 60 seconds, get the safest MoR + payment combo for your product, a GST/LUT export checklist, and a live freeze-risk audit of your current setup — neutral, not provider marketing.
Free comparison report. No signup to start. ₹ & $ pricing.
The pain this fixes
Paddle froze my account the day I crossed $4k MRR. Funds held 60 days, support sent the same templated reply 5 times.
PayPal limited my account and sat on ₹3L for 180 days. No human ever replied.
Stripe put a rolling reserve on me for being 'high risk' — an API tool. Took 4 months to get my own money.
How MoR Compass works
A neutral advisor that scores every provider on freeze risk and India fit — then writes the checklist and appeal letters most blogs leave out.
Answer 7 questions
Country, product type, revenue stage, GST status, and what you fear most. 60 seconds.
Get your safe combo
A ranked Merchant-of-Record + backup rail tuned to your freeze risk — not provider marketing.
Ship compliant
A GST/LUT/FIRA export checklist so you zero-rate income and keep proof for every payout.
Every major provider, ranked honestly
Freeze risk and India fit at a glance. Run the wizard for a recommendation tuned to your exact product and stage.
| Provider | Type | Fees | Freeze risk | India fit | Payout to India |
|---|---|---|---|---|---|
| Dodo Payments | MoR | ~4% + $0.40 (varies by region) | Direct INR payout to Indian bank account | ||
| Polar | MoR | 4% + $0.40 per transaction | Stripe Connect payout to Indian bank (where eligible) / Wise | ||
| Creem | MoR | 3.9% + $0.40 per transaction | Wise / bank transfer in USD | ||
| Razorpay (International) | PSP | 3% domestic / ~3%+ international | Direct INR to Indian bank | ||
| FastSpring | MoR | ~5.9% blended (negotiable at volume) | Bank transfer in USD | ||
| Gumroad | MoR | 10% flat (+ processing) | PayPal / Stripe (where eligible) | ||
| Lemon Squeezy | MoR | 5% + $0.50 per transaction | Wise / PayPal in USD | ||
| Stripe (via US LLC / Atlas) | PSP | 2.9% + $0.30 (you handle tax + filings) | To US business bank (Mercury/Wise) → remit to India | ||
| Paddle | MoR | 5% + $0.50 per transaction | Bank transfer (Wise/SWIFT) in USD/EUR/GBP | ||
| PayPal | PSP | ~4.4% + fixed (cross-border) | INR to Indian bank (PPfI) with purpose code |
India fit weighs INR payout, GST/export support, and onboarding for Indian founders. Risk reflects publicly reported holds; verify current terms with each provider.
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