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Finance & Accounting

Best Merchant of Record Software in 2026

Selling digital products or subscriptions involves choices about checkout, delivery, billing, and transaction administration. Compared on checkout options, digital delivery, subscription billing, tax handling, supported countries, payout currencies, free plan, and paid from, these entries provide useful criteria for matching services to a sales model.

  1. 01 Coda
    From $12/mo Free plan Web · iOS · Android · API
    9.4 Visit Specs
  2. 02 Aquadratic

    It suits independent creators and developers selling digital products who need checkout, delivery, and tax handling together.

    From $19/mo Free plan Web · API
    9.1 Visit Specs
  3. 03 FastSpring
    Free plan Web · iOS · Android · API
    8.7 Visit Specs
  4. 04 Lemon Squeezy

    Lemon Squeezy suits startups, software companies, and digital creators selling downloads, subscriptions, or software licenses.

    Free plan Web · API
    8.7 Visit Specs
  5. 05 Gumroad

    Gumroad suits creators selling digital goods, services, memberships, or courses who want storefront and audience tools.

    Open source Web · iOS · Android · API
    8.6 Visit Specs
  6. 06 Polar

    Polar suits teams building AI products that need billing, subscriptions, usage metering, and digital delivery.

    From $20/mo Free plan Web · iOS · Android · API
    8.2 Visit Specs
  7. 07 2Checkout Hosted Checkout
    Web · API
    8.0 Visit Specs
  8. 08 Creem

    It suits AI-native companies, indie hackers, micro-SaaS founders, and solo creators selling digital products internationally.

    Web · iOS · Android · API
    8.0 Visit Specs
  9. 09 Dodo Payments
    Web · iOS · Android · API
    7.9 Visit Specs
  10. 10 Fungies

    Fungies suits SaaS companies, game developers, and digital creators that sell digital products or subscriptions.

    Free plan Web · API
    7.8 Visit Specs
  11. 11 Tebex

    Tebex suits game-server operators and studios selling digital goods through in-game or web storefronts.

    From £12.49/mo Free plan Web · API · Browser extension
    7.7 Visit Specs
  12. 12 Breeze

    Breeze is aimed at businesses in gaming, marketplaces, mobile apps and financial institutions.

    Web · iOS · API
    7.6 Visit Specs
  13. 13 Freemius

    Freemius is aimed at software makers, including solopreneurs, early-stage SaaS teams, and app developers.

    Web · Windows · iOS · API
    7.6 Visit Specs
  14. 14 Whop

    Whop suits digital entrepreneurs selling products or services who want marketplace and payment tools, including sellers using their own sites.

    Web · iOS · Android · API
    7.6 Visit Specs
  15. 15 NDEIGHT
    From $49/mo Web · API
    7.4 Visit Specs
  16. 16 NineLogix
    Web · API
    7.4 Visit Specs
  17. 17 Xsolla

    Xsolla is aimed at game businesses that need tools for sales, payments, monetization, or distribution.

    Web · Windows · iOS · Android
    7.4 Visit Specs
  18. 18 Cleverbridge
    Web · API
    7.3 Visit Specs
  19. 19 Stripe Managed Payments
    Web · iOS · Android · API
    7.3 Visit Specs
  20. 20 FINBPM
    Web · API
    7.2 Visit Specs
  21. 21 Kelviq
    Web · API
    7.2 Visit Specs
  22. 22 Macropay
    Web · iOS · API
    7.2 Visit Specs
  23. 23 PayPro Global
    Web · iOS · Android · API
    7.1 Visit Specs
  24. 24 AppStar
    Web
    7.0 Visit Specs
  25. 25 Digital River
    Web · API
    7.0 Visit Specs
How this list is ordered. Specifiction scores each tool on how fully its maker documents it, whether its prices are published, where the research puts it, the platforms it runs on and whether it can be tried for free (how we rank). Makers can also buy a numbered place (how Specifiction is paid for).

Coda and Polar are among the options, alongside Tebex and Fungies. Consider where you sell, how customers should receive purchases, and whether subscription billing or particular payout currencies matter. Tax handling and checkout options also merit a close look. Free-plan availability and the paid starting point can help you weigh those requirements against the available pricing.

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