FloPay vs Paddle

Card details are held in Paddle's vault. To leave, you ask Paddle to transfer them to a new provider's PCI-compliant vault after its security checks, so the vault is not one you control.

Paddle Billing is integrated with Paddle Retain, which automatically retries failed subscription payments, sends recovery emails and in-app prompts, and can pause or cancel subscriptions once recovery attempts are exhausted.

Paddle receives pre-chargeback alerts from its fraud partners and refunds the buyer before the chargeback is filed. Paddle runs this process, and a chargeback fee still applies to each alert.

Paddle states that payments are routed across multiple payment gateways, and that a soft decline or technical timeout on the primary gateway automatically cascades the transaction to a secondary gateway. The routing is managed by Paddle.

Paddle's routing adapts to card type, transaction amount, and customer location without manual configuration, and a technical timeout cascades the transaction to a secondary gateway. The routing is managed by Paddle.

Paddle chooses which payment methods to show based on the transaction currency, the customer's location, and the device used to purchase.

Paddle supports wallets such as Apple Pay, Google Pay, and PayPal, plus local methods including iDEAL, Bancontact, BLIK, MB WAY, Pix, UPI, Alipay, WeChat Pay, KakaoPay, and Naver Pay.

Paddle publishes official Node.js, Python, Go, and PHP SDKs, plus an OpenAPI spec and a Postman collection for its API.

Lovable Payments, powered by Paddle, lets Lovable's agent set up the Paddle account, products, prices, webhooks, and customer portal from chat. It requires a Lovable Pro plan or higher.

Overlay and inline checkouts run on your own site, and a checkout fully hosted by Paddle is available for Mac or iOS apps only.

Paddle publishes an all-inclusive pay-as-you-go fee per checkout transaction, with custom pricing for large businesses, low-value products, and invoicing.

As your Merchant of Record, Paddle applies sales tax automatically to every payment and handles tax registration, filing, and payment.

Paddle tracks abandoned checkouts and can email customers to return and finish their purchase, optionally with a discount. Recovery covers automatically collected transactions created by a checkout, and only customers who agreed to marketing emails receive the discount.

Paddle Retain handles payment recovery and dunning for failed payments using ML-tuned schedules and acquirer-specific logic.

Paddle states that you will not need merchant accounts with any payment gateway, only your Paddle account, and that Paddle is the merchant of record for your transactions.

Paddle documents selling globally as your Merchant of Record, but not a company formation or incorporation service.

Paddle can automatically convert prices into local currencies at checkout, and converts what customers pay into your balance currency.

Paddle documents card storage in a PCI-1-compliant vault, but not card-network tokens.

Paddle states that its card updaters refresh the details of expiring cards when the issuing bank issues a new card on the same account, so the subscription can continue.

Paddle states that checkout data is stored in a fully PCI-1-compliant vault.

Paddle supports 3DS2 out of the box and takes care of the authentication process and compliance.

Paddle publishes a monthly payout schedule and an expected arrival window. Sellers cannot withdraw their balance on demand.

Paddle's hosted customer portal is included by default. Customers can see past payments, download invoices, update payment details, and manage or cancel subscriptions.

Paddle provides Transactions and Adjustments reports, and its revenue recognition guide has sellers calculate recognized revenue from that data themselves, by hand or through Paddle's API.

Paddle's sandbox is a separate environment with its own credentials, dashboard, and data, plus test cards for checkout.