Fungies
Sells your digital product for you as the legal 'merchant of record,' handling checkout, 250+ payment methods and tax collection across the US and EU, for a flat 5% + 50¢ commission with no monthly fee.
🔗 Visit Fungies
Description
If you sell a SaaS product, game or other digital good online, someone has to be the legal seller who collects sales tax in every state and VAT in every EU country — and doing that yourself means registering for tax in dozens of places you may never visit. A 'merchant of record' service like Fungies takes on that legal seller role instead: it processes the payment, collects and remits the tax under its own registrations, and you just get paid, without ever registering for tax anywhere yourself.
Fungies is a Merchant of Record platform for digital sellers, providing hosted storefronts (on your own custom domain, with SEO-friendly templates), support for 250+ payment methods (cards, digital wallets, bank transfers, buy-now-pay-later, cryptocurrency), and automatic tax calculation, collection and remittance across 27 EU states and the US. It offers PCI-compliant checkout in hosted or overlay form, webhook integration for real-time order events, CLI tools for terminal-based management, and daily payouts by default (configurable to weekly, monthly or manual) — priced purely as a 5% + 50¢ commission per sale with no monthly hosting or setup fees.
💬 Our review
The short version: Fungies' pure commission-only pricing with zero monthly fee is the most beginner-friendly entry point in this category — you genuinely pay nothing until you make a sale, which matters a lot if you're pre-revenue.
It competes directly with Paddle, Lemon Squeezy, Polar and Dodo Payments in the merchant-of-record space, all of which take on the same tax-compliance liability in exchange for a cut of revenue. Fungies' commission (5% + 50¢) sits close to Lemon Squeezy's and above raw Stripe processing, which is the standard trade-off across every MoR — you're paying for someone else to handle VAT/sales tax registration rather than doing it yourself. Its specific edges are 250+ payment methods (a notably wide list including crypto) and CLI tooling for developers who prefer terminal-based management over a dashboard, plus a genuinely fast 5-minute setup with no credit card required upfront. The honest limitation is scope — 27 EU states plus the US is narrower geographic tax coverage than Dodo Payments' 220+ countries, so if you're selling heavily outside those regions, check coverage carefully before committing.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Commission-only: 5% + 50¢ per sale. No monthly fees, no setup costs, no credit card required to start. Negotiable at higher volume. Daily payouts by default; first payout 7-14 days after initial payment.
Pros
Pure commission pricing (5% + 50¢), zero monthly fee — pay nothing until you sell
250+ payment methods including cards, wallets, BNPL and cryptocurrency
CLI tooling for developers who prefer terminal-based management
5-minute setup, no credit card required to start
Cons
Tax coverage limited to 27 EU states + US, narrower than Dodo Payments' 220+ countries
First payout takes 7-14 days, slower than some competitors' faster payout cycles
5% + 50¢ commission is on par with or above raw payment-processor fees, the standard MoR trade-off