01
Cashfree
Payment collection and payouts with regional product rules.
Payment processor
1.95–2% + GSTIndia domestic · verify method & contract
~2,360 clicks
◐ Conditional · check eligibility
SaaS subscriptions for businesses in India
Businesses registered in India · SaaS subscriptions.
02
Creem
A low headline checkout rate. Look at payouts as well.
Merchant of Record
3.9% + 40¢Base checkout · payout fees extra
~1,748 clicks
◐ Conditional · check eligibility
03
Dodo Payments
Digital-product MoR. Owner eligibility matters as much as company country.
Merchant of Record
4% + 40¢US domestic cards · verify locale
~1,770 clicks
◐ Conditional · check eligibility
04
Gumroad
Creator commerce with very different direct and discovery economics.
Merchant of Record
10% + 50¢Direct: plus 2.9% + 30¢ card processing
~2,849 clicks
◐ Conditional · check eligibility
05
Lemon Squeezy
Digital commerce with tax handling. Pay attention to the add-ons.
Merchant of Record
5% + 50¢Base rate · add-ons apply
~2,855 clicks
◐ Conditional · check eligibility
06
Paddle
A complete merchant-of-record setup for software businesses.
Merchant of Record
5% + 50¢Standard checkout · USD
~2,698 clicks
◐ Conditional · check eligibility
07
Polar
Developer-focused commerce, with a new generation of pricing.
Merchant of Record
5% + 50¢Starter · new organizations
~1,531 clicks
◐ Conditional · check eligibility
08
Razorpay
Indian payment infrastructure, plus a distinct cross-border stack.
Payment processor
2% + GSTIndia standard domestic · US: 2.7% + 30¢
~2,019 clicks
◐ Conditional · check eligibility
09
Stripe
Flexible payment infrastructure. You choose the rest of the stack.
Payment processor
2.9% + 30¢US domestic cards · Payments
~2,879 clicks
◐ Conditional · check eligibility
A PRACTICAL STARTING POINT · REVIEWED 17 OCT 2026
Indian SaaS: choose the payment model first.
Start by separating an Indian acquiring account from a merchant-of-record arrangement. If UPI is essential, confirm recurring versus one-time behavior, buyer location and the approved product. A card-subscription badge alone does not answer that question.
| Provider | Why investigate it | Check before applying |
|---|---|---|
| Dodo Payments | Approved SaaS, AI and digital-product businesses | No personal Stripe account. Sellers relying only on incorporation to establish eligibility. |
| Paddle | Software and SaaS businesses that want an MoR | No personal Stripe account. Businesses that need on-demand access to proceeds. |
| Razorpay | Indian businesses evaluating local payment collection | No personal Stripe account. Anyone assuming every Razorpay product has global merchant onboarding. |
One reproducible price check: an entered 5% + $0.50 costs $1.95 on a $29 charge (6.72%). For 100 such charges: $195. Scenario: one-time cards in USD; tax, FX and payout fees are separate.
Sources & inputs
Inputs: a $29 customer charge and an entered 5% + $0.50 fee. Provider country and product terms are linked below.
Dodo localized pricing reviewed ↗ · Dodo merchant acceptance countries ↗Paddle pricing ↗ · Paddle supported countries ↗
Razorpay scoped pricing ↗ · Razorpay USA pricing and product ↗