Paylio vs Paddle
Do you really need a Merchant of Record? Save 5% on every transaction with Paylio.
Feature
Paylio
Paddle
Free tier
Up to 100 subs
No free tier
Pricing model
$19/mo flat (Basic)
5% + 50¢ per transaction
Merchant of Record
No (Direct Stripe/Razorpay)
Yes (Reseller)
Payouts
Instant (via Gateway)
Net 15 / Monthly
Control
Full customer ownership
Paddle owns customer
Integration speed
~5 minutes
~1-2 days
Multi-gateway
Stripe + Razorpay
Paddle only
Tax handling
Gateway managed
Fully automated
The 5% Difference
Paddle charges roughly 5% + 50¢ per transaction. For a business making $10,000/month, that's $500/month in fees plus transaction costs.
Paylio charges a flat $19/month (or $99 for Pro). You use your own Stripe/Razorpay accounts, paying significantly lower standard processing fees (usually ~2.9% + 30¢).
When to Choose Paylio
- You want to keep more of your revenue
- You want instant payouts (Stripe payouts are daily/weekly vs Paddle's monthly)
- You want direct ownership of your customer data
- You operate in regions supported by Razorpay or Stripe
When to Choose Paddle
- You absolutely need a Merchant of Record to handle global sales tax filing for you
- You cannot open a Stripe or Razorpay account in your country