Macropay
Products
Billing
Usage-based billingSubscriptionsSeats & licensesCredits & walletsTrialsDiscounts
Payments
Payments & checkoutPayouts & coverage
Compliance
Merchant of RecordTax & VATDisputes & fraud
Intelligence
Margin & cost insightsAgents & MCP billingRevenue analytics
Solutions
By AI model
AI Inference & modelsAI agents & copilotsAPIs & usage products
By business
SaaS & subscriptionsDev tools & GitHub appsDigital goodsMarketplaces & platforms
PricingCoveragevs StripeJournalDocsStart free
ALL-IN · MoROne rate covers processing, tax & compliance. Nothing bolted on.

One price.
Everything in.

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.

No platform feeNo monthly minimumTax liability removedCancel anytime
★ BEST-IN-CLASS FOR AI
Macropay · all-in
4.5%
+$0.50/ transaction
Card & wallet processingincluded
Merchant of recordincluded
Global tax registration & filingincluded
FX & local payment methodsincluded
Usage metering & margin telemetryincluded
Disputes & chargebacks$30 / case
Platform / monthly fee$0/mo

Volume over $250k/mo? Rates step down automatically — see Enterprise below.

What you'd actually pay

Live · vs Paddle & Stripe
$80,000
$5k$125k$250k$500k
$402,000 txns/mo
$5$150$300$500
Macropay
4.5% + $0.50
$0/ mo all-in
Paddle
5.0% + $0.50
$0/ mo
Stripe + Tax
2.9% + $0.30 + intl, FX & tax
$0+ your tax filing
You keep more than on Paddle —
and they don't show you margin.
$0saved / year

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.

In the 4.5%

The whole stack,
one line item.

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.

Merchant of record

We're the seller of record on every charge. Your customer's invoice, our liability. You never touch a tax form.

Global tax, filed

VAT, GST and US sales tax registered, calculated, collected, filed and remitted across 60+ jurisdictions — automatically.

FX & local methods

Charge in 38 currencies with cards, wallets and regional rails. We settle to you in your currency. No FX surcharge.

Usage & margin telemetry

Meter any event — tokens, tool calls, seats. Net inference and infra cost against revenue to see live margin per agent.

Disputes handled

We assemble evidence and fight chargebacks for you. Flat $30 a case, win or lose — no percentage skim, no surprises.

SDK, dashboard & ledger

Four lines of code. A real double-entry ledger, dunning, retries, payouts (T+2), 1099/KYC for payees — all in the box.

Line item
Macropay
What it is
Per successful transaction
4.5% + $0.50
The all-in rate. Processing + MoR + tax + FX. The only fee most teams ever see.
Platform / account fee
$0 / mo
No seats, no base, no minimum. You pay when you get paid.
Disputed charge
$30 / case
Flat. We build and submit the evidence packet on your behalf.
Refunds
$0
No fee to refund. Tax already remitted is reclaimed and credited back automatically.
Payouts (T+2)
included
Standard payouts in 135+ currencies. Same-day available on Enterprise.
Sandbox, test mode & migration
free
We import your existing subscriptions from Stripe, Paddle or Lemon Squeezy at no charge.
Cheaper & better

Side by side
with the field.

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.

Macropay4.5% + $0.50 · MoR
Paddle5% + $0.50 · MoR
Stripe2.9% + $0.30 + add-ons
All-in rate
4.5% + $0.50
5.0% + $0.50
2.9% + $0.30 *
Merchant of record
Yes
Yes
You are
Tax liability removed
Yes
Yes
On you
Native usage metering
Built-in
Bolt-on
Add-on
Margin per agent / model
Live
No
No
Dispute handling
$30 flat, done for you
$0–25 + you file
$15 + you file
Monthly / platform fee
$0
$0
$0–620+/mo
Setup & migration
Free, white-glove
Self-serve
Self-serve

* 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.

Volume & Enterprise

Past $250k a month?
The rate comes down.

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.

Stepped, blended ratesEffective rate falls automatically as monthly volume grows — no renegotiation.
$
Interchange-plus optionFor scale, see raw interchange + a fixed Macropay margin instead of a blended percentage.
Custom payouts & SLAsSame-day payouts, 99.99% uptime SLA, priority disputes and a named engineer.
Procurement-readySOC 2 Type II, DPA, MSA, security review and SSO/SAML out of the box.
Pricing FAQ

The fine print, in plain words.

Is 4.5% really all-in?
Yes. 4.5% + $0.50 per successful transaction covers card processing, the merchant-of-record service, global tax registration and filing, FX, local payment methods and the full SDK, ledger and dashboard. The only other charge is $30 per disputed transaction. No platform fee, no monthly minimum, no setup cost.
How is this cheaper than Paddle?
Paddle and most merchants of record charge 5% + $0.50. We charge 4.5% + $0.50 for the same merchant-of-record coverage — half a point lower on every transaction — and include native usage metering and per-agent margin telemetry that they treat as a separate product or don't offer at all.
What does "merchant of record" actually mean for me?
We become the legal seller on every transaction. That means the tax liability, compliance, registrations and remittances are ours, not yours. You get one clean payout and never file a VAT or sales-tax return for these sales again.
Why is Stripe's headline rate lower?
Stripe's 2.9% + $0.30 is processing only, and you remain the merchant of record. For global digital sales you typically stack Stripe Tax (0.5%), international cards (+1%), currency conversion (+1.5%) and often Billing — and you still register and file taxes everywhere yourself. The fully-loaded effective rate usually lands above ours, before your finance team's time.
Do you charge for failed payments or refunds?
No. You're only charged on successful transactions. Refunds are free, and any tax already remitted is reclaimed and credited back to you automatically.
What happens at high volume?
Above roughly $250k/month the effective rate steps down automatically, and you can opt into interchange-plus pricing. Talk to sales for a tailored quote — same all-in model, lower number.
How long does migration take?
Most teams are live in a day. We import existing subscriptions and customers from Stripe, Paddle or Lemon Squeezy for free, and run both in parallel until you're ready to cut over.

Stop paying 5% for less.

Start in test mode in minutes. Flip the switch when you're ready — no card, no contract, no platform fee.

npm i @macropay/sdkcopy