Compare
Ownrecord vs Paddle
Paddle is a merchant of record: it sells to your customers and takes on tax compliance, fraud and chargebacks for a share of every sale. Ownrecord is software that lets you be the seller yourself, for less, with the duties that come with it.
Prices
| Paddle | Price | Source | Recorded |
|---|---|---|---|
| Pay-as-you-go fee | 5% + 50¢ per checkout transactionAs a merchant of record, Paddle includes payments, global tax and regulatory compliance, fraud protection, chargeback handling and buyer support. The page names no currency for the fixed fee. | paddle.com | Oct 26, 2026Not yet checked by hand |
Prices as published by Paddle on the date shown; they change, so check the source. This page was last reviewed on Oct 26, 2026 and is reviewed every quarter.
With Ownrecord you pay your own processor for card processing, plus your plan: Starter is €0 a month and 1% of live volume, Growth €149 and 0.5%, Scale €499 and 0.3%. There's no fixed fee per sale. Compare the totals for your volume.
How they differ
| Paddle | Ownrecord | |
|---|---|---|
| Who sells to your customer | Paddle, as merchant of record | You, in your own name |
| Tax registrations and returns | Part of Paddle's service | Yours. Ownrecord tracks thresholds, prepares registrations and builds the returns |
| Chargebacks and fraud | Part of Paddle's service | Yours, through your processor. Ownrecord adds risk controls and dispute evidence packs |
| Payment processing | Included in Paddle's fee | Your own Stripe account, at your own rates |
| Fee structure | A share of each sale plus a fixed fee per sale | A monthly fee plus a share of live volume, no fixed fee per sale |
Which one fits
Choose honestly
If you don't want to hold tax registrations or carry tax liability, chargebacks and fraud yourself, a merchant of record such as Paddle is the simpler choice. If you want to sell in your own name, keep your own processor and customer relationship, run several entities and brands, and pay a smaller share of revenue, Ownrecord is built for that.