One of these two will tell you the price
FastSpring has been a merchant of record since 2005 and is genuinely good at it. They also will not quote you a rate without a sales call, hold your first payout for 45 days, and charge small sellers $150 a year for the privilege.
FastSpring is a serious merchant of record with two decades of tax filing behind it, and for a company selling into forty jurisdictions with purchase orders and procurement teams involved, that experience is worth paying for. The difficulty is finding out what you would pay. There is no rate on their pricing page, no plan table, and their own FAQ says they will not act as a processor only. What is published sits in the vendor agreement and the payout docs: a 45-day hold before your first payout is even scheduled, a 14-day settlement delay on every sale after that, a $100 payout minimum, a 2.5% conversion fee when your store and payout currencies differ, and a $150 annual fee for vendors under $5,000 of yearly volume. Our rate is 5% + 50¢, on the pricing page, available to anyone immediately and negotiable at volume.
Fungies and FastSpring, side by side
✓ Yes — we are the legal seller and we file.
Yes. They buy from you and resell to the customer, under their terms.
✓ 5% + 50¢ per sale, published. Negotiable at higher sales volume.
Not published. Revenue share, quoted per account after a sales call.
✓ Self-serve. A store can be live the same afternoon.
Sales-led. Their FAQ rules out using them for payments only.
✓ On your normal schedule, once the account is verified.
A 45-day monitoring hold before the first payout is even scheduled.
✓ Daily by default, into your own connected account.
Twice a month, on the 15th and the last day, after a 14-day settlement delay.
✓ None.
$100, or the equivalent. Below it, the balance rolls to the next cycle.
✓ Included. No separate conversion charge.
2.5% when your store currency and payout currency differ.
✓ Costs nothing. No minimum volume, no account fee.
$150 a year for vendors under $5,000 of annual volume, after year one.
✓ No per-dispute fee. Our dispute rate is 0.04%.
A fixed per-chargeback fee exists in their own reporting fields. The amount is not published.
✓ Steam key delivery, web stores for mobile in-app purchases, in-game items and currency packs.
Software and SaaS focus. No in-game purchase tooling.
FastSpring does not publish a rate, so we have not guessed at one and we would treat any comparison that does with suspicion. Every FastSpring figure above is quoted from their own pricing page, payout documentation or vendor agreement. Their quoted rate may well come in below ours at volume — that is a conversation worth having with them.
What a published price changes
You can decide without booking a meeting
Our rate is 5% + 50¢, it is on the pricing page, and it is the same whether you sell $500 or $500,000 a month. FastSpring's own FAQ says pricing is determined in conversation with an account executive based on transaction type and volume, and that they will not sell payment processing on its own. That is a legitimate way to run a business, and it is also a week of calendar time before you know whether you can afford them.
The first payout does not take seven weeks
FastSpring documents a 45-day monitoring hold before a new seller's first payout is scheduled, then a 14-day settlement delay on every transaction, then a twice-monthly cycle with a $100 floor. Stack those and a launch-day sale can be two months from the bank. We pay daily by default with no minimum, and the only wait is the ordinary verification on a new account.
Being small is not billed
Section 4.1 of FastSpring's vendor agreement reserves the right to charge a $150 Vendor Risk Verification Fee, annually, to vendors generating under $5,000 of yearly volume after their first year. A seller doing $300 a month would pay roughly 4% of a year's revenue for the privilege of remaining a customer. We charge nothing to have an account, and nothing until you sell something.
Selling in one currency and banking in another is free
FastSpring applies 2.5% when your store currency differs from your payout currency, which is the normal condition for anyone selling in dollars and banking in euros. On $10,000 a month that is $250 before the commission. Our conversion is inside the rate.
Your terms stay yours where they can
As a merchant of record, both of us are the legal seller, and FastSpring is clear in their docs that this means the transaction carries their terms and conditions rather than your EULA. That is inherent to the model and we are not going to pretend otherwise. What differs is the surrounding contract: theirs runs a year and auto-renews, exitable on thirty days' notice, with the right to hold part of your balance for up to 180 days after you leave. Ours has no term and no exit notice.
When FastSpring is the better call
No provider wins every case, and a comparison that pretends otherwise is not worth your time. Here is where FastSpring is the better answer.
You sell to procurement departments
Purchase orders, invoice-based B2B purchases, self-service quotes and a reseller network are all documented parts of their platform. If a meaningful share of your revenue arrives through a buyer's finance team rather than a card, they have built for that and we have less of it.
Twenty years of filings is the reassurance you need
Founded in 2005, over a billion dollars in transactions a year, more than a thousand tax returns filed annually, and a public trust centre carrying PCI DSS and SOC attestations. If your risk committee wants a long operating history and named private equity backing, that is a real answer and we are a younger company.
Their quote comes in under ours
Quote-only pricing cuts both ways, and at serious scale a negotiated revenue share can land well under a published rate. We negotiate at volume too, so get both numbers rather than assuming — but if theirs is lower for the mix you actually sell, take it.
You need deep localisation and language coverage
Their own anniversary figures cite support across more than 200 regions in over 21 languages with 23 currencies, alongside offices on three continents. For a business whose growth depends on reading natively in a dozen markets, that operational spread is genuinely hard to match quickly.
What sellers say once they have switched
★★★★★ 4.8/5 from 10 reviews on G2 →
Vadim Finayev “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.”
David Elliott “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.”
Elnura Abdimanap Kyzy “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.”
Francisco Magnone Rienzi “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.”
5% + 50¢
per sale, and nothing else
Negotiable at higher sales volume.
No monthly fee. No minimum. No card to get started.
One rate covers the whole stack. There is no tier that unlocks tax filing and no add-on for the store builder.
- ✓ Payment processing
- ✓ Tax calculation and filing
- ✓ Fraud screening
- ✓ Chargeback handling
- ✓ Store builder and hosting
- ✓ Every platform feature
Teams who made the move
All customer stories →RenderAI
From days of integration to a couple of minutes
An AI image platform replaced a slow manual payment process with three subscription tiers and an overlay checkout.
Leadsin.io
A hosted checkout with no payment infrastructure to build
A lead generation platform started taking monthly and yearly subscriptions without standing up any payment infrastructure of its own.
Viewbot.tv
Merchant of Record billing, live in one session
The engagement platform for Twitch and Kick streamers moved its whole subscription business onto a checkout that matches its own dark theme.
Fungies and FastSpring, asked plainly
Compare us with the others
-
Paddle
Same headline rate, daily payouts instead of monthly, and a storefront in the box.
-
Stripe
One rate covering tax, subscriptions, and a storefront, instead of three line items.
-
Lemon Squeezy
A flat rate with no surcharges for selling abroad or billing monthly.
-
Dodo Payments
A lower headline that adds surcharges. Ours is flat, with disputes absorbed.
-
Creem
Cheaper per sale. Read their docs on chargebacks and payouts before deciding.
-
Gumroad
Half the commission, and AI products are welcome here.
-
Chargebee
They bill. You still need a gateway, a merchant account and your own tax filings.
-
Xsolla
Their 5% is 5% plus cost of channel. Ours is the whole number.
-
Cleverbridge
Enterprise merchant of record, sales-gated. Start selling today instead.
-
Nexway
Enterprise merchant of record that lists early-stage businesses as limited support.
You can price us in about a minute
The rate is on the pricing page, the account is free to open, and nothing is owed until something sells. Get FastSpring's quote as well — an informed comparison is the only kind worth making.