Aquadratic vs Fungies

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.

Fungies is a Merchant of Record platform for selling SaaS, games, subscriptions, digital products, downloads, and game assets. Its no-code store builder includes more than twenty templates, custom domains, hosting, and a CDN. Sellers can choose hosted, overlay, or embedded checkout, localized for customers’ language, currency, and payment methods. Subscription tools cover recurring and usage-based billing, trials, customer portals, invoicing, and retry handling. Fungies says it manages tax registration, calculation, collection, remittance, and filing across the 27 EU states, the UK, US sales tax, and GST. It lists support for 250+ payment methods in 150+ countries, along with developer tools such as a REST API, webhooks, SDKs, CLI, and MCP server. The Free forever plan costs nothing, with a 5% + 50¢ fee per sale and no monthly fee. There is no separate payment test mode, so checkout purchases are real transactions.