Apple actually ran a comparison of both of these companies recently in their court filings - they determined companies with a lot of payments could do it cheaper themselves.
> Stripe and Paddle are leading full-service, turnkey payment processing, and merchant-of-record providers handling all the services necessary for link-out, including payment processing, tax compliance, fraud detection, and customer service. Id. ¶ 82. Across the top apps, the mean implied processing and merchant-of-record fee based on Stripe’s and Paddle’s rack rates (which few, if any, large developers actually pay because they negotiate discounts or provision in-house) is 8.1% using Stripe rates, or 7.8% using Paddle rates
> Large developers often negotiate processing fees below published rates or perform processing more cheaply in-house.
> Epic’s Head of Payments, testified at trial in this case that Epic’s “average cost of using . . .
payment service providers … [i]n [the] U.S., [is] around 3.5%” and “Epic [has] the opportunity to
negotiate these costs with its payment service providers.
Stripe Managed Payments is MoR too - https://stripe.com/managed-payments
Apple actually ran a comparison of both of these companies recently in their court filings - they determined companies with a lot of payments could do it cheaper themselves.
> Stripe and Paddle are leading full-service, turnkey payment processing, and merchant-of-record providers handling all the services necessary for link-out, including payment processing, tax compliance, fraud detection, and customer service. Id. ¶ 82. Across the top apps, the mean implied processing and merchant-of-record fee based on Stripe’s and Paddle’s rack rates (which few, if any, large developers actually pay because they negotiate discounts or provision in-house) is 8.1% using Stripe rates, or 7.8% using Paddle rates
> Large developers often negotiate processing fees below published rates or perform processing more cheaply in-house.
> Epic’s Head of Payments, testified at trial in this case that Epic’s “average cost of using . . . payment service providers … [i]n [the] U.S., [is] around 3.5%” and “Epic [has] the opportunity to negotiate these costs with its payment service providers.
https://9to5mac.com/wp-content/uploads/sites/6/2026/08/Epic_...
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