# What is Stripe MoR? > Understand Stripe Managed Payments in 2026 and compare Stripe MoR vs Dodo Payments on compliance, global coverage, pricing, and onboarding. - **Author**: Joshua D'Costa - **Published**: 2025-05-22 - **Category**: Merchant of Record, Alternatives - **URL**: https://dodopayments.com/blogs/en/stripe-mor --- Stripe's announcement of Managed Payments at Stripe Sessions 2025 marks a pivotal shift: for the first time, Stripe will act as the [Merchant of Record (MoR)](https://dodopayments.com/glossary/merchant-of-record-mor), assuming legal responsibility for subscriptions sold through its platform. This move lets businesses offload the complex tasks of tax compliance, PCI-DSS adherence, chargeback resolution, and customer support to Stripe, all within the familiar Stripe Dashboard Built on Stripe's acquisition of Lemon Squeezy and led by JR Farr, Managed Payments aims to reduce merchant overhead and foster deeper customer trust, while enabling Stripe to expand its service offerings and maintain competitive margins First launched in private preview for North American and European SaaS and digital goods merchants, Managed Payments is now generally available and covers indirect tax compliance in 80+ countries. ## What Is Stripe Managed Payments? Stripe Managed Payments is Stripe's native MoR solution for subscription-based digital services, unveiled during Stripe Sessions 2025 and now generally available. It transforms Stripe from merely a payment processor into the legal seller of record for eligible transactions. If you are weighing it against independent options, [Lemon Squeezy alternatives](https://dodopayments.com/blogs/lemon-squeezy-alternatives) covers the wider field. > We built Dodo Payments because we watched founders spend months cobbling together tax tools, compliance checklists, and payment gateways when they should have been shipping product. A Merchant of Record should eliminate that entire category of work. > > \- Rishabh Goel, Co-founder & CEO at Dodo Payments At Stripe Sessions 2025, Stripe introduced Managed Payments as a full-stack Merchant of Record service built directly into the Stripe Dashboard, initially in private preview for select partners. **That preview status is out of date.** Managed Payments is now generally available. In April 2026 Stripe shipped it into the API itself, adding a `managed_payments` flag to Checkout Sessions and Payment Links, and it is documented as a live product rather than a preview. Per Stripe's own documentation, Managed Payments handles indirect tax compliance in **more than 80 countries across 35 product categories**, along with fraud prevention, dispute management, and transaction-level customer support. Stripe reports that businesses using its fraud tooling see a 38% reduction in fraud on average and recover 13% more chargebacks. Two constraints are worth knowing before you plan an integration: - It works with Stripe Checkout and Payment Links. Elements and the Hosted Invoice Page are not supported. - Subscriptions still require Stripe Billing as a separate product, priced at 0.7% of billing volume. Managed Payments does not replace it. The product is scoped to digital products such as SaaS, software, and digital content or downloads. For a full comparison of what this means if you are currently on Lemon Squeezy, which Stripe acquired in 2024, see [Lemon Squeezy vs Stripe](https://dodopayments.com/blogs/lemon-squeezy-vs-stripe). ## Why Use a Merchant of Record? **Simplify Compliance** A MoR automates the entire VAT/GST/sales-tax lifecycle from monitoring thresholds to filing returns, so you avoid registering and remitting taxes in every jurisdiction you sell into **Offload Risk** By designating your MoR provider as the legal seller, you transfer liability for fraud, disputes, and regulatory compliance, reducing potential fines and reputational damage **Focus on Growth** With compliance and back-office operations handled, your team can prioritize product innovation, marketing initiatives, and customer acquisition rather than wrestling with tax forms and chargeback disputes ## Dodo Payments at a Glance Dodo Payments is a global Merchant of Record(MoR) provider trusted by SaaS and digital content platforms. Its core capabilities include: - It automates VAT, GST, and withholding compliance across 190+ jurisdictions, ensuring seamless global tax management without the administrative burden. - Provides 30+ localized payment options tailored to regional consumer preferences, helping to boost conversion rates by using familiar, trusted payment methods. - Efficiently handles subscription management, supporting recurring billing and seamless management of upgrades or downgrades for SaaS-based solutions. - Ensures top-tier security with built-in KYC/AML processes, PCI DSS Level 1 certification, and [dispute management](https://docs.dodopayments.com/features/transactions/disputes), and - 24/7 transaction-level customer support to safeguard global transactions and maintain compliance. ## Feature Comparison | | | | | -------------------------- | --------------------------- | ---------------------------------------------------------------------------- | | **Feature** | **Stripe MoR** | **Dodo Payments** | | Tax & Compliance | Automated for NA & EU | Global (190+ jurisdictions) | | Local Methods | Cards, Link wallet | Cards + local schemes | | Customer Support | Integrated via Stripe Link | 24/7 dedicated support | | Multi-Currency Settlements | N/A | Yes | | Developer APIs | Stripe SDKs | [REST APIs & SDKs](https://docs.dodopayments.com/api-reference/introduction) | | Fraud & Dispute Handling | AI-driven Smart Disputes | Custom rule engines | | Onboarding Time | Self-serve, generally available | 3-5 business days | ## Pricing And Integration **Pricing Models** **Stripe Managed Payments:** Revenue-share model (approximately 3-7% of transaction value) plus standard Stripe fees, with no upfront costs **Dodo Payments:** [Flexible pricing](https://dodopayments.com/pricing) starting at pay-as-you-go with 4% + 40c per domestic US transaction, plus 1.5% international and 0.5% for subscriptions. For enterprises, custom pricing and premium features with volume discounts. **Integration & Onboarding** **Stripe Managed Payments** 1. Enable Managed Payments in your Stripe Dashboard 2. Integrate the Stripe Link checkout widget or API 3. Complete eligibility and regional compliance checks **Dodo Payments** 1. Sign up and submit KYC/AML documents 2. Configure webhooks and obtain API credentials 3. Go live within 3-5 business days with regional support guidance ## Choosing Between Stripe MoR and Dodo Payments Use Stripe Managed Payments if you are a North American or European SaaS provider focused on digital subscriptions and prefer a unified Stripe-native experience. Though Stripe has a history of deboarding merchants, sometimes without warning, when internal risk thresholds are met, posing a potential disruption to your operations Use [Dodo Payments](https://dodopayments.com/) if you need extensive global reach, including emerging markets, support for local payment schemes, multi-currency settlements, and round-the-clock dedicated support. ## Conclusion Stripe Managed Payments and Dodo Payments offer powerful Merchant of Record solutions, but your choice depends on the feature set and risk tolerance. Whether you need a Stripe-native workflow or Dodo Payments's broad, stable global reach. **Run a Pilot:** Enable Stripe's Managed Payments on a test transaction or schedule a Dodo Payments demo. **Compare Costs:** Model your expected transaction volume under each pricing plan. **Assess Market Coverage:** Map your key sales regions against each provider's country support list. **Implement & Measure:** Integrate your chosen MoR solution, then track settlement speed, dispute resolution rates, and tax remittance accuracy to ensure alignment with your growth goals. Get started with [Dodo Payments](https://dodopayments.com/) today for seamless global transactions, end-to-end tax automation, and unwavering support. ## FAQ ### Is Stripe now a Merchant of Record? Yes, for eligible transactions. Managed Payments is generally available and Stripe acts as Merchant of Record on it, handling indirect tax compliance in 80+ countries across 35 product categories. It is scoped to digital products, works with Stripe Checkout and Payment Links rather than Elements, and still requires Stripe Billing for subscriptions. Standard Stripe products outside Managed Payments leave you as the merchant of record. ### What does Stripe Managed Payments handle for SaaS businesses? It is designed to take on legal seller responsibilities such as tax collection, parts of compliance, and dispute handling. This can reduce operational burden for subscription businesses. ### Should I choose Stripe MoR or a dedicated MoR provider? Stripe MoR can be attractive if your stack is already Stripe-native and your markets align with current coverage. Dedicated MoR providers may be stronger for broader country support, local methods, and hands-on migration support. ### How long does Merchant of Record onboarding usually take? Onboarding timelines vary by provider, risk profile, and document readiness. Most teams should plan for compliance review, integration work, and a short pilot before full rollout. ## Conclusion Stripe Managed Payments and Dodo Payments offer powerful Merchant of Record solutions, but your choice depends on the feature set and risk tolerance. Whether you need a Stripe-native workflow or Dodo Payments's broad, stable global reach. **Run a Pilot:** Enable Stripe's Managed Payments on a test transaction or schedule a Dodo Payments demo. **Compare Costs:** Model your expected transaction volume under each pricing plan. **Assess Market Coverage:** Map your key sales regions against each provider's country support list. **Implement & Measure:** Integrate your chosen MoR solution, then track settlement speed, dispute resolution rates, and tax remittance accuracy to ensure alignment with your growth goals. Get started with [Dodo Payments](https://dodopayments.com/) today for seamless global transactions, end-to-end tax automation, and unwavering support. --- - [More Merchant of Record articles](https://dodopayments.com/blogs/category/merchant-of-record) - [All articles](https://dodopayments.com/blogs)