Stop paying for the extras
Stripe charges extra for international cards, subscriptions, Stripe Tax, and chargebacks. Waffo Pancake bundles every one of those into a single flat rate as your Merchant of Record.
Feature Comparison
Everything included, nothing extra
What you pay for separately on Stripe is built into Waffo Pancake.
VAT, GST, and sales tax in 173 countries — calculated, collected, and filed automatically. No Stripe Tax surcharge.
We become the legal seller. Invoicing, compliance, refunds, and chargeback handling are on us.
Visa, Mastercard, Apple Pay, and Google Pay — built in across 173 countries. No extra activation, no add-on fees.
3.9% + $0.50 per transaction. No international card surcharge, no subscription premium, no fraud add-on.
Stripe vs Waffo Pancake, in depth
The differences that actually matter once you're processing real volume.
MoR vs PSP: The Fundamental Difference
Stripe is a Payment Service Provider (PSP) — it processes transactions but you remain the Merchant of Record. That means you're responsible for tax collection, compliance, invoicing, and consumer protection in every country you sell to.
Waffo Pancake is a Merchant of Record. We become the legal seller, handling all tax obligations, compliance, and regulatory requirements globally. You focus on building your product.
Hidden Costs Add Up
Stripe's base rate of 2.9% + $0.30 looks attractive, but cross-border transactions add +1%, currency conversion adds another +1%, and disputes can include a $15 fee plus a $15 manual countering fee that's returned if you win. Refunds don't return the processing fee either.
For global SaaS businesses, the real cost often exceeds 5%. Waffo Pancake's 3.9% + $0.50 is all-inclusive as your MoR — no hidden cross-border or currency conversion surcharges.
Global Tax Compliance, Automated
With Stripe, you need to calculate, collect, and remit sales tax, VAT, and GST yourself across every jurisdiction. This often requires third-party tax tools and ongoing legal overhead.
Waffo Pancake automatically handles tax calculation, collection, and remittance in 173 countries as your MoR. No tax tools needed, no filing required on your end.
How much could you save?
Based on $50,000/month volume with 60% international subscriptions
Try the full calculatorOne command to switch from Stripe
Use our open-source CLI to move customers, products, and subscriptions from Stripe. No spreadsheets, no engineering project — most teams are live on Waffo Pancake within a day.
npx @waffo/pancake-migrate stripeReady to get started?
Start selling globally with Waffo Pancake. No setup fees, no LLC required.