Aquadratic vs Breeze

Aquadratic is a merchant of record for selling digital products. It handles payment, product delivery, tax compliance, fraud protection, and payouts for independent creators, developers, and digital product suppliers. Sellers can provide a hosted checkout, an embeddable widget, or REST API access. After payment, the service can email license keys and digital products. Listed payment methods include cards through Stripe, PayPal, and cryptocurrency; named processing integrations are Stripe, PayPal, and NOWPayments. Aquadratic says it calculates, collects, and files sales tax and VAT worldwide, and manages disputes and chargebacks. The core platform has no monthly fee and costs nothing, billed at 7% per transaction; processor fees may apply. AquaDrop Starter is free, while AquaDrop Pro is $19 a month and AquaDrop Scale is $49 a month. Aquadratic says payment data is primarily handled by processors, and that it does not store complete card numbers. Its support response time is 24–48 business hours.

Breeze is an end-to-end payments platform for businesses, with a Merchant of Record service that says it handles risk management, chargebacks, sales tax and customer support for the payment process. It supports card payments, Apple Pay, Google Pay and crypto through a single integration, alongside rails including ACH, RTP, FedNow and SEPA. Listed crypto options include USDC, USDT and EURC, plus ETH, SOL and BTC across networks such as Ethereum, Solana, Bitcoin, Tron, Polygon and Base. Merchants can offer hosted checkout pages by redirect or iframe, or embed payment components with the React SDK. The API supports subscriptions, trials, discounts and flexible schedules; signed webhooks cover payment, payout and subscription events. Users can receive payouts by bank transfer or crypto withdrawal. Breeze says its service can handle fraud and chargeback liability, US sales tax calculation and remittance, and user KYC and AML compliance. It runs on API, iOS and web. Pricing is on request.