Independently compared • Updated Dec 2025

Payment Processor Comparison 2025

Compare Stripe, Paddle, Mollie, and PayPal Business for your SaaS or ecommerce. Detailed fee comparison, VAT handling, API quality, and expert insights to choose the right payment solution.

Comparison Disclaimer

Pricing and features shown are based on publicly available information. Always verify current pricing on provider websites before making decisions. We receive affiliate commissions from some providers. Information current as of January 2025.

Detailed Comparison Table

Provider
Stripe
Recommended for SaaS
Mollie
EU Champion
PayPal Business
Ecommerce Standard
Paddle
Merchant of Record
Pricing
Monthly FeeFree

Pay-as-you-go pricing

Free

No setup or monthly fees

Free

Standard tier, advanced plans available

Free

MoR service included

Pricing & Fees
Transaction Fee1.5% + £0.201.8% + €0.252.9% + €0.355% + $0.50
Monthly Fee£0€0€0$0
Chargeback Fee£15€15€16Included
Payout Speed2-7 days1-2 days1-3 days*Net-30 days
Core Features
Subscription Support
VAT HandlingAdvancedEU-focusedBasicFully Automated
Payment Methods35+25+15+20+
Multi-currency Support
Technical & Support
API QualityExcellentVery GoodGoodGood
Developer ExperienceBest-in-classGoodModerateGood
Fraud DetectionAdvanced AIStandardStandardIncluded
Invoice Management
Summary
Best ForSaaS companies and developers who need flexibilityEU-focused businesses needing local payment methodsEcommerce stores prioritizing buyer trust and conversionSaaS startups wanting zero tax/compliance overhead
VAT Estimator
Estimate your EU VAT obligations by country

Frequently Asked Questions

Everything you need to know before getting started

All information verified as of December 2025. Prices and features subject to change. Always verify current pricing with providers.

Related Resources

Business Banking

Multi-currency accounts

Company Formation

Form your EU company

VAT Registration Guide

EU VAT compliance

EU Company for SaaS

Why EU for software

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