Subscription billing and global SaaS payments
Payment infrastructure for subscription businesses — recurring billing, usage-based pricing, global tax compliance, and developer-friendly APIs.
Recurring billing
Automated subscription management with smart dunning.
Global tax
Automatic VAT/GST calculation and remittance.
Usage pricing
Metered billing, tiered plans, and seat-based pricing.
Churn reduction
Failed payment recovery and card updater services.
SaaS businesses have unique payment needs: recurring billing, usage-based pricing, dunning management, and global tax compliance (VAT/GST). The right payment stack reduces involuntary churn through smart retry logic, supports annual/monthly/usage pricing models, and handles EU VAT MOSS automatically. Leading SaaS payment providers include Stripe (with Billing), Paddle (full merchant of record), and Chargebee (subscription management layer).
Use the matching flow to share your business model, markets and required capabilities. Finzil will surface relevant directory options and the signals behind them.
Stripe is the default choice for SaaS startups due to its Billing product, developer API, and global coverage. For businesses wanting a merchant of record (handling VAT/tax globally), Paddle or Lemon Squeezy are popular alternatives.
A merchant of record (MoR) handles payment processing, tax collection, and compliance on your behalf. Paddle and Lemon Squeezy act as MoR, meaning they handle EU VAT, US sales tax, and other global taxes automatically. This simplifies compliance but costs more than direct processing.
EU VAT on digital services is charged at the customer's country rate. You can register for EU VAT OSS (One Stop Shop) and file quarterly returns, or use a merchant of record like Paddle that handles this automatically. Stripe Tax can also calculate and collect EU VAT.