--- title: "Knowledge — Fungies blog · Fungies" description: "Every Fungies article in Knowledge — 97 posts on selling software globally." image: "https://fungies.io/og-image.jpg" canonical: "https://fungies.io/category/knowledge/" --- [← Blog](/latest-news-blog) § Category 97 entries # Knowledge Everything we have published in Knowledge. Notes on selling software globally — churn, pricing, VAT thresholds, and the mechanics of getting paid from anywhere. July · 202610 entries - [ № 001 2026.07.08Latest ### How to Reduce SaaS Churn: The Complete 2026 Guide to Retention Strategies Learn how to reduce SaaS churn with proven 2026 strategies. Discover churn benchmarks by segment, calculate NRR correctly, and implement 8 retention tactics that actually work. Complete guide with data from 939+ B2B SaaS companies. 2026.07.08Adrian Schenberg · 10 minKnowledge ](/saas-churn-reduction-guide-2026) - [ 002 № 002 2026.07.08 ### How to Choose a Merchant of Record Platform in 2026: Complete Evaluation Framework Here’s a number that’ll change how you evaluate payment infrastructure: at $50K MRR, a 1% difference in platform fees equals $6,000 per year. At $500K MRR, that’s $60,000. Most SaaS founders treat choosing a Merchant of Record (MoR) like picking a developer tool. Then, 18 months later, they’re managing a tax audit in Germany, absorbing 2026.07.08duke · 9 minKnowledge ](/how-to-choose-merchant-of-record-platform-2026) - [ № 004 2026.07.07 ### SaaS Valuations: 2026 Statistics, Data & Trends (Comprehensive Report) Complete 2026 SaaS valuation report: market size ($530B), ARR multiples (3.8x median), NRR benchmarks, churn rates, and 40+ verified statistics from SaaS Capital, Grand View Research, and more. 2026.07.07Duke Vu · 12 minKnowledge ](/saas-valuations-statistics-2026) - [ № 006 2026.07.07 ### Best Merchant of Record for Ecommerce in 2026: Complete Platform Comparison Here’s a number that might shock you: a SaaS company doing $1M in annual revenue could pay anywhere from $50,000 to $100,000+ in payment processing and compliance fees depending on which merchant of record they choose. That’s a difference of an entire employee’s salary just from picking the wrong pricing structure. When your ecommerce business 2026.07.07duke · 7 minKnowledge ](/best-merchant-of-record-ecommerce-2026) - [ № 012 2026.07.02 ### SaaS Market 2026: The Complete Industry Analysis with Data, Trends and Forecasts The SaaS market reached $492.34 billion in 2026. Discover 25 key statistics, 7 major trends, competitive landscape analysis, and forecasts through 2030 in this comprehensive report. 2026.07.02Duke Vu · 23 minKnowledge ](/saas-market-2026-complete-industry-analysis-data-trends-forecasts) - [ № 018 2026.07.02 ### 10 Best Product-Led Growth Tools for SaaS in 2026: Complete Comparison Discover the 10 best product-led growth tools for SaaS in 2026. Compare Amplitude, Mixpanel, Pendo, Appcues, Userpilot, PostHog and more. Find the right PLG stack for your stage with pricing, features, and use cases. 2026.07.02Maja Wiewióra · 10 minKnowledge ](/best-product-led-growth-tools-saas-2026) - [ № 020 2026.07.01 ### SaaS Churn Reduction: The Complete 2026 Guide to Retaining Customers and Maximizing Revenue Discover proven SaaS churn reduction strategies for 2026. Learn how top companies achieve <5% annual churn through optimized onboarding, health scoring, and proactive customer success. Includes benchmarks, frameworks, and actionable tactics. 2026.07.01Duke Vu · 9 minKnowledge ](/saas-churn-reduction-guide) - [ № 021 2026.07.01 ### SaaS Market 2026: The Complete Industry Analysis with Data, Trends and Forecasts The global SaaS market reached $465B in 2026. Discover key statistics, 7 major trends, competitive landscape, and forecasts to 2035 in this comprehensive analysis. 2026.07.01Duke Vu · 26 minKnowledge ](/saas-market-2026-complete-industry-analysis) - [ № 023 2026.07.01 ### Payment Gateway Statistics 2026: Market Size, Data & Trends (Comprehensive Report) Payment gateway market to reach $58.77B in 2026. Explore 30+ statistics on market size, growth rates, regional share, key players, and trends shaping the industry through 2033. 2026.07.01Dawid Woźniak · 9 minKnowledge ](/payment-gateway-statistics) - [ № 024 2026.07.01 ### Polar.sh vs Creem vs Dodo Payments: The 2026 MoR Showdown for Indie SaaS Founders Here’s a number worth knowing before you pick a Merchant of Record platform: at $10K MRR, the fee difference between Polar.sh’s free Starter tier (5% + 50¢) and Creem.io (3.9% + $0.40) comes out to roughly $1,300 per year. That’s not chump change for an indie SaaS founder — and it’s just one of the 2026.07.01duke · 12 minKnowledge ](/polar-sh-vs-creem-vs-dodo-payments-mor-2026) June · 202628 entries - [ № 028 2026.06.30Latest ### Polar.sh Review 2026: Is This Open-Source Merchant of Record Worth It for Indie Developers? Polar.sh crossed 10,000 registered developers in early 2026. That kind of growth doesn’t happen by accident — especially in a market dominated by Paddle and Lemon Squeezy for years. Something about this open-source, developer-first Merchant of Record is clearly clicking. But “clicking” doesn’t mean it’s the right choice for your SaaS. I’ve spent time digging 2026.06.30duke · 8 minKnowledge ](/polar-sh-review-2026-2) - [ № 030 2026.06.29 ### SaaS Startup Fundraising: The Complete 2026 Guide to Seed and Series A Learn how to raise seed and Series A funding for your SaaS startup in 2026. This complete guide covers investor expectations, pitch deck templates, valuation benchmarks, burn multiples, and the exact metrics that get rounds funded. 2026.06.29Duke Vu · 10 minKnowledge ](/saas-startup-fundraising-guide-2026) - [ № 031 2026.06.29 ### Creem vs Paddle vs Fungies.io: Which MoR Is Best for Indie SaaS in 2026? Here’s a number that should focus your attention: at $100K ARR, the fee difference between Creem (3.9% + $0.40) and Paddle (5% + $0.50) is over $1,100 per year. That’s real money — and it doesn’t even account for differences in payout timing, global coverage, and what happens when a customer disputes a charge. In 2026.06.29duke · 9 minKnowledge ](/creem-vs-paddle-vs-fungies-saas-mor-2026) - [ № 032 2026.06.28 ### How to Set Up an Affiliate Program for Your Digital Product or SaaS in 2026 Affiliate marketing drives 16% of all ecommerce revenue globally — and for digital product sellers and SaaS founders, it’s one of the few growth channels that compounds over time without burning cash on ads. But most guides on setting up an affiliate program skip the part that actually matters for SaaS: how do commissions interact 2026.06.28duke · 9 minKnowledge ](/affiliate-program-digital-products-saas-mor-2026) - [ № 035 2026.06.26 ### Digital Goods Tax Statistics 2026: Global VAT, Compliance Costs & Digital Services Tax (Comprehensive Report) Digital goods tax statistics 2026: EU VAT gap reaches €128B, 25 US states tax SaaS, and global compliance software market hits $8.4B. 2026.06.26Adrian Schenberg · 14 minKnowledge ](/digital-goods-tax-statistics) - [ № 037 2026.06.26 ### AI SaaS Pricing Models in 2026: The Complete Guide to Usage-Based, Hybrid & Outcome-Based Pricing More than 60% of AI SaaS companies now use some form of usage-based pricing. Three years ago that number was closer to 30%. Something shifted — and it wasn’t just the AI hype cycle. It was economics. When your product runs on tokens, GPU-seconds, and API calls, flat subscription pricing doesn’t hold up. You can’t 2026.06.26duke · 11 minKnowledge ](/ai-saas-pricing-models-2026) - [ № 038 2026.06.25 ### SaaS Customer Acquisition Cost (CAC): 2026 Benchmarks & Optimization Guide Discover 2026 SaaS CAC benchmarks by channel and segment. Learn proven strategies to reduce customer acquisition cost by 30% and achieve healthy LTV:CAC ratios for sustainable growth. 2026.06.25Adrian Schenberg · 8 minKnowledge ](/saas-customer-acquisition-cost-guide) - [ № 039 2026.06.25 ### Best SamCart Alternatives in 2026: Cheaper, Smarter, and Tax-Compliant SamCart charges $79/month on its entry plan — and that price goes up automatically as your revenue grows. There’s no cap. The platform literally scales its fee against your success. For creators and SaaS founders selling digital products in 2026, that pricing model is starting to look shaky. Especially when you add in the fact 2026.06.25duke · 12 minKnowledge ](/best-samcart-alternatives-2026) - [ № 041 2026.06.24 ### 7 Best Whop Alternatives for 2026: Sell Digital Products on Your Own Terms Whop charges 3% on every sale. Then add 2.7% + $0.30 for payment processing. Factor in the $2.50–$23 payout fee per withdrawal and the 1.5% surcharge for international cards, and you’re looking at an effective rate of 6–7% on your revenue — before you’ve paid for a single tool to actually run your business. For 2026.06.24duke · 11 minKnowledge ](/whop-alternatives-2026) - [ № 044 2026.06.22 ### Polar.sh Review 2026: Honest Pros, Cons & Pricing (After the Rate Increase) Polar.sh raised its base rate 25% in May 2026 — here’s what that actually means for your revenue Polar.sh launched as the developer-first Merchant of Record with a headline rate of 4% + $0.40 per transaction. That rate attracted thousands of indie hackers and open-source developers who were tired of Paddle’s enterprise friction and Lemon 2026.06.22duke · 9 minKnowledge ](/polar-sh-review-2026) - [ № 046 2026.06.21 ### AI Market 2026: The Complete Market Analysis with Data, Trends and Predictions The AI market reached $539.5 billion in 2026 with 19% YoY growth. Discover key trends, market leaders like Anthropic and OpenAI, and future predictions through 2033. 2026.06.21Adrian Schenberg · 18 minKnowledge ](/ai-market-analysis) - [ № 047 2026.06.21 ### Stripe Managed Payments vs Merchant of Record: What SaaS Founders Need to Know in 2026 Stripe just entered the Merchant of Record space — and it’s going to cost you 7–9% per transaction. That’s not a typo. In April 2025, Stripe launched a private beta for Stripe Managed Payments, their attempt at a full MoR service. By early 2026, it started rolling out more broadly. The promise: all the tax 2026.06.21duke · 9 minKnowledge ](/stripe-managed-payments-vs-merchant-of-record-2026) - [ № 048 2026.06.20 ### Creator Economy Statistics 2026: Global Market Size, Data & Trends (Comprehensive Report) Creator economy statistics 2026: $323.48B market size, 207M+ creators worldwide, and comprehensive data on earnings, platforms, and trends. 2026.06.20Maja Wiewióra · 10 minKnowledge ](/creator-economy-statistics) - [ № 049 2026.06.20 ### How to Use PPP Pricing to Boost Your SaaS Revenue by 20–70% Globally (2026) 78% of SaaS companies that surpass $100M ARR use regional pricing. If you’re charging the same price in San Francisco and Mumbai, you’re leaving real money on the table — and turning away customers who could afford your product if it were priced fairly. That’s what Purchasing Power Parity (PPP) pricing is about. It’s the 2026.06.20duke · 9 minKnowledge ](/ppp-pricing-saas-boost-global-revenue-2026) - [ № 051 2026.06.19 ### How to Monetize AI Agents in 2026: Billing Models, Per-Task Pricing & Payment Infrastructure The AI agents market hit $10.9 billion in 2026. It’s heading to $182.9 billion by 2033. That’s a 49.6% CAGR — and the wildest part? Most of the founders building AI agents right now have no idea how to charge for them. Flat monthly subscription? Your most active users will cost you more than they 2026.06.19duke · 12 minKnowledge ](/monetize-ai-agents-2026-billing-models) - [ № 054 2026.06.18 ### Stripe vs Paddle vs Fungies.io: Which Payment Platform Is Right for Your SaaS in 2026? Here’s a number that should grab your attention: the global payment processing market hit $71.15 billion in 2026 and is growing to $122 billion by 2031. SaaS payments aren’t a commodity decision — they’re a strategic one. And right now, three platforms dominate the conversation for indie SaaS founders: Stripe, Paddle, and Fungies.io. Pick the 2026.06.18duke · 9 minKnowledge ](/stripe-vs-paddle-vs-fungies-saas-payment-2026) - [ № 055 2026.06.17 ### Fraud Management Statistics 2026: Market Size, Data & Trends (Comprehensive Report) Global fraud losses hit $48B in 2025. Explore 40+ verified fraud management statistics: market size ($40.4B in 2026), chargeback trends, first-party fraud surge (36% of cases), and regional breakdowns. 2026.06.17Dawid Woźniak · 12 minKnowledge ](/fraud-management-statistics) - [ № 059 2026.06.15 ### Local LLM vs Cloud API: The Complete 2026 Cost Breakdown for Developers Local LLM vs cloud API cost comparison 2026: Real TCO numbers, break-even analysis, and monthly costs. See when local inference saves money vs OpenAI, Claude, and Gemini. 2026.06.15Dawid Woźniak · 8 minKnowledge ](/local-llm-vs-cloud-api-cost-comparison-2026) - [ № 061 2026.06.14 ### Payment Processing Statistics 2026: Market Size, Data & Trends (Comprehensive Report) Payment processing market reaches $71.15B in 2026. Explore 40+ verified statistics on market size, growth rates, regional trends, and key players. 2026.06.14Dawid Woźniak · 10 minKnowledge ](/payment-processing-statistics) - [ № 063 2026.06.13 ### Creator Economy Statistics 2026: Global Market Size, Data & Trends (Comprehensive Report) The creator economy reaches $323B in 2026 with 207M+ creators worldwide. Explore comprehensive statistics on market size, earnings, platforms, and trends. 2026.06.13Duke Vu · 11 minKnowledge ](/creator-economy-statistics-2026-4-2) - [ № 066 2026.06.12 ### Stripe Alternatives for SaaS Founders in 2026: When Stripe Isn’t Enough Here’s a number worth sitting with: a SaaS company doing $100K in annual revenue pays roughly $1,200–$6,400 more per year depending on whether they use Stripe alone or a Merchant of Record — and that gap widens dramatically once you add global tax compliance, fraud tooling, and subscription management. Stripe is excellent. It’s the default…. 2026.06.12duke · 9 minKnowledge ](/stripe-alternatives-saas-founders-2026) - [ № 068 2026.06.11 ### Sellfy vs Payhip vs Gumroad in 2026: Honest Fee Comparison for Digital Product Sellers Gumroad takes 10% of every sale you make. No cap. No upgrade path. Just a 10% tax on everything you earn, forever. That number used to be more palatable when Gumroad was the only simple option. In 2026, it isn’t. Payhip and Sellfy both offer paths to 0% commission — and this article breaks down 2026.06.11duke · 9 minKnowledge ](/sellfy-vs-payhip-vs-gumroad-2026) - [ № 070 2026.06.10 ### Dodo Payments Review 2026: Honest Look at Fees, Features & Limitations Let’s be direct: if you’re an Indian SaaS founder or an early-stage team selling digital products globally, Dodo Payments has probably come up in your research. Founded in 2023 by Rishabh Goel and Ayush Agarwal, it’s one of the newer Merchant of Record platforms specifically targeting indie developers and AI startups who want to go 2026.06.10duke · 9 minKnowledge ](/dodo-payments-review-2026) - [ № 072 2026.06.09 ### 1099-K Rules for Digital Product Sellers in 2026: What the $20,000 Threshold Means for You In July 2025, the IRS quietly ended a years-long saga. The $600 1099-K threshold — which had been delayed, phased in, then partially enacted — was killed by the One Big Beautiful Bill Act (OBBBA). The threshold reverted to $20,000 in payments and 200+ transactions. If you sell digital products, courses, or SaaS subscriptions online, 2026.06.09duke · 9 minKnowledge ](/1099-k-rules-digital-product-sellers-2026) - [ № 076 2026.06.07 ### SaaS Revenue Recognition in 2026: What Founders Need to Know (ASC 606 Simplified) Here’s a number that trips up more founders than it should: you collect $12,000 from a customer in January for an annual SaaS subscription, and your accountant tells you that you only recognized $1,000 in revenue that month. Not $12,000. Just $1,000. That’s ASC 606 in action — and if you don’t understand it, you’ll 2026.06.07duke · 10 minKnowledge ](/saas-revenue-recognition-asc-606-guide-2026-2) - [ № 080 2026.06.05 ### Should Your SaaS Accept Crypto Payments in 2026? Honest Cost-Benefit Analysis 39% of US merchants now accept crypto payments — and that number jumped from virtually nothing in 2022. For digital products and SaaS, the question isn’t whether crypto is real anymore. It’s whether it makes sense for your business. Short answer: it depends on who your customers are. Long answer: this article. We’ll break down 2026.06.05duke · 7 minKnowledge ](/crypto-payments-saas-digital-products-2026) - [ № 082 2026.06.04 ### ThriveCart Review 2026: Is the Lifetime Deal Still Worth It? Here’s a number that should make you pause: ThriveCart has been selling the same “limited-time” lifetime deal since 2019. Seven years later, you can still buy it for $495. That’s either the most generous pricing model in SaaS history — or a red flag worth investigating before you hand over five hundred bucks. This is 2026.06.04duke · 9 minKnowledge ](/thrivecart-review-2026) - [ № 087 2026.06.02 ### Cleverbridge Review 2026: Is It Worth It for Enterprise SaaS? (Honest Comparison) Enterprise software companies lose an average of 4.3% of revenue to tax compliance costs and payment complexity when selling globally. Cleverbridge has been solving this problem for enterprise sellers since 2005 — but at a price that makes many founders pause. With platform fees starting at $50,000/year and implementation costs up to $100,000+, it’s a 2026.06.02duke · 10 minKnowledge ](/cleverbridge-review-2026) May · 202619 entries - [ № 093 2026.05.30Latest ### Creem vs Gumroad vs Lemon Squeezy: Which Creator Platform Keeps More of Your Money in 2026? Creem launched in 2024 and already has founders asking whether it’s time to quit Gumroad and Lemon Squeezy. The short answer: for most indie hackers and digital product creators in 2026, yes — but the right platform depends on what you’re building and how much you’re selling. Here’s the stat that matters: at $50,000/month in 2026.05.30duke · 10 minKnowledge ](/creem-vs-gumroad-vs-lemon-squeezy-2026) - [ № 095 2026.05.29 ### Usage-Based Pricing for SaaS: The 2026 Implementation Guide With Real Examples Sixty-one percent of SaaS companies have already switched to some form of usage-based pricing — and the ones that did it right are growing 38% faster than their per-seat peers. If you’re still charging a flat monthly fee while your customers use wildly different amounts of your product, you’re leaving money on the table and 2026.05.29duke · 12 minKnowledge ](/usage-based-pricing-saas-implementation-guide-2026) - [ № 096 2026.05.28 ### SaaS Market Statistics 2026: Global Size, Growth Data & Industry Trends (Comprehensive Report) Comprehensive SaaS market statistics for 2026: $375.57B market size, 18.7% CAGR, 33,200+ companies, churn benchmarks, CAC/LTV ratios, and 5 key trends shaping the industry through 2030. 2026.05.28Maja Wiewióra · 13 minKnowledge ](/saas-market-statistics) - [ № 097 2026.05.28 ### The Complete Guide to Product-Led Growth (PLG) for SaaS in 2026 Discover how product-led growth (PLG) is transforming SaaS customer acquisition. Learn the 5-step framework, key metrics like TTV and PQLs, and real-world examples from Slack, Calendly, and Notion. 2026.05.28Duke Vu · 11 minKnowledge ](/product-led-growth-guide) - [ № 099 2026.05.27 ### SaaS Pricing Page Best Practices in 2026: 10 Examples That Convert 57% of SaaS visitors check the pricing page before they’ve even read your product description. That’s not a typo — more than half your prospects are making up their minds based on that one page before they understand what you actually built. And most pricing pages are actively losing those people. The problem isn’t pricing…. 2026.05.27duke · 14 minKnowledge ](/saas-pricing-page-best-practices-2026) - [ № 100 2026.05.26 ### E-commerce Statistics 2026: Market Size, Data & Trends (Comprehensive Report) Global e-commerce reaches $6.88T in 2026. Explore comprehensive data on market size, mobile commerce, conversion rates, cart abandonment, and emerging trends. 2026.05.26Duke Vu · 11 minKnowledge ](/ecommerce-statistics) - [ № 102 2026.05.26 ### Usage-Based Pricing for SaaS in 2026: How to Implement It (And Why It’s Winning) 43% of SaaS companies have already switched to usage-based pricing — and the rest are seriously thinking about it. If you’re still charging a flat monthly rate for software that customers use in wildly different amounts, you’re likely losing deals at the top and leaving money on the table at the bottom. Usage-based pricing (UBP) 2026.05.26duke · 9 minKnowledge ](/usage-based-pricing-saas-2026) - [ № 106 2026.05.23 ### Dodo Payments vs Creem vs Fungies: Which MoR Is Best for Indie Hackers in 2026? Picking the wrong Merchant of Record as an indie hacker will cost you. At $10K MRR, the fee difference between the most expensive option (Gumroad at 10%) and the cheapest (Creem at 3.9% + $0.40) is over $700 per month — that’s $8,400 a year walking out the door for no extra value. Three newer 2026.05.23duke · 9 minKnowledge ](/dodo-payments-vs-creem-vs-fungies-mor-indie-hackers-2026) - [ № 108 2026.05.21 ### How to Write a Refund Policy for Digital Products That Protects You and Converts Better 72% of merchants reported an increase in friendly fraud chargebacks in 2024. Worldwide chargeback losses hit $33.79 billion in 2025 — and every single dispute costs you $15–25 in fees on top of the lost revenue. For digital product sellers, your refund policy is either your first line of defense or the gap that friendly 2026.05.21duke · 11 minKnowledge ](/digital-product-refund-policy-guide-2026) - [ № 113 2026.05.18 ### Paddle vs Stripe vs Merchant of Record in 2026: Which Payment Stack Is Right for Your SaaS? In 2026, 43% of SaaS founders still start with Stripe — then quietly switch 18 months later when their accountant’s bill lands. The debate between Stripe, Paddle, and Merchant of Record platforms isn’t really about payment processing. It’s about who owns your tax liability, how much compliance overhead you can stomach, and whether your “cheaper” 2026.05.18duke · 8 minKnowledge ](/paddle-vs-stripe-vs-merchant-of-record-2026) - [ № 120 2026.05.15 ### 10 Proven SaaS Retention Strategies That Cut Churn by 40% in 2026 Discover 10 proven SaaS retention strategies that cut churn by 40% in 2026. Learn how top companies achieve 120%+ NRR through onboarding optimization, health scoring, and community building. 2026.05.15Duke Vu · 9 minKnowledge ](/saas-retention-strategies) - [ № 121 2026.05.15 ### How to Monetize Your AI SaaS Tool in 2026: Payments, Pricing, and Tax Done Right Here’s a number worth sitting with: the top 10% of AI tools launched in 2025 crossed $10,000 MRR within 60 days of launch. Not from better models or slicker UI — from getting their monetization right. Pricing model, payment stack, and tax compliance decided the outcome before most founders finished their README. If you’ve built 2026.05.15duke · 12 minKnowledge ](/monetize-ai-saas-tool-payments-pricing-tax-2026) - [ № 123 2026.05.14 ### SaaS Customer Success Metrics: The Complete 2026 Guide to Tracking What Actually Matters Discover the 7 essential SaaS customer success metrics that drive retention and growth in 2026. Learn how to calculate NRR, health scores, GRR, and build a metrics framework that actually works. 2026.05.14Adrian Schenberg · 9 minKnowledge ](/saas-customer-success-metrics) - [ № 127 2026.05.12 ### Paddle Review 2026: Honest Look at Fees, Pros, Cons, and Who It’s Actually For Paddle took 5% of your revenue before you made your first sale. That’s the trade-off. In return, you never file a VAT return, never argue with the Irish Revenue Commissioners, and never explain to a customer in Tokyo why their card failed. In 2026, Paddle is used by 6,000+ software companies and has processed billions 2026.05.12duke · 8 minKnowledge ](/paddle-review-2026) - [ № 133 2026.05.09 ### Creem vs Paddle vs Fungies: Which MoR Is Best for Indie Hackers in 2026? Choosing the wrong Merchant of Record as an indie hacker can cost you over $1,100 per year at $100K revenue — and that’s before you factor in the hours lost to tax audits, compliance headaches, and payment failures in markets you didn’t know you needed to support. In 2026, the MoR market got genuinely competitive…. 2026.05.09duke · 11 minKnowledge ](/creem-vs-paddle-vs-fungies-indie-hackers-2026) - [ № 139 2026.05.07 ### How to Price Your SaaS Product: A First-Time Founder’s Framework (2026) 80% of SaaS startups underprice their product by 30–60%. Not because they don’t understand value — but because they set prices in the first week, never revisited them, and built their entire go-to-market around a number they pulled from fear rather than data. If you’re a first-time SaaS founder trying to figure out what to 2026.05.07duke · 11 minKnowledge ](/how-to-price-saas-product-first-time-founder-2026) - [ № 147 2026.05.03 ### How to Sell Software Online: The Developer’s Complete Guide (2026) The global software market is on track to hit $650 billion+ by 2028. If you’ve built a useful tool — a desktop app, a SaaS product, a browser extension, an API — there’s real money to be made. But “how do I sell software online?” turns out to be a surprisingly complicated question once you 2026.05.03duke · 12 minKnowledge ](/how-to-sell-software-online-developer-guide-2026) - [ № 148 2026.05.03 ### Best Subscription Billing Software for SaaS in 2026: Chargebee vs Recurly vs Paddle vs Stripe The average SaaS company loses 7–12% of subscription revenue to failed payments that are never recovered, according to eMarketer. Pick the wrong subscription billing software and that number climbs — because your dunning engine, pricing flexibility, and tax handling all determine how much revenue actually lands in your bank account. In 2026, the field is 2026.05.03duke · 12 minKnowledge ](/best-subscription-billing-software-saas-2026) - [ № 151 2026.05.01 ### How to Prevent and Win Chargebacks on Digital Products in 2026 Here’s a number that should get your attention: by 2026, chargeback fraud is expected to cost merchants $28.1 billion — a 40% jump from $20 billion in 2023. And digital products? Chargeback rates for SaaS and digital goods rose 59% from 2023 to 2024, hitting 0.54% on average. If you’re selling a SaaS product or 2026.05.01duke · 10 minKnowledge ](/prevent-win-chargebacks-digital-products-2026) April · 202624 entries - [ № 153 2026.04.30Latest ### Whop vs Gumroad vs Lemon Squeezy: Which Creator Platform Is Worth It in 2026? Gumroad built the creator economy’s on-ramp. Whop redefined what a digital commerce platform could be. Lemon Squeezy became the go-to Merchant of Record for indie SaaS founders. And now, in 2026, creators and developers have to pick one — or figure out which is actually right for their business. Here’s the thing nobody tells you 2026.04.30duke · 10 minKnowledge ](/whop-vs-gumroad-vs-lemon-squeezy-2026) - [ № 155 2026.04.29 ### How to Choose the Right SaaS Pricing Model in 2026: The Complete Guide Learn how to choose the right SaaS pricing model for your business. Compare per-user, usage-based, tiered, and hybrid models with 2025 benchmark data. Includes a 5-step framework for making the optimal pricing decision. 2026.04.29Maja Wiewióra · 10 minKnowledge ](/how-to-choose-saas-pricing-model) - [ № 156 2026.04.29 ### Annual vs Monthly SaaS Pricing in 2026: Data-Backed Strategy for Founders Here’s a number that should rewrite your pricing page this week: annual plan customers churn at 8% annually. Monthly plan customers churn at 32% annually. That’s not a rounding difference — it’s the difference between a business that compounds and one that bleeds. Yet 4 out of 5 SaaS businesses either don’t offer annual plans 2026.04.29duke · 9 minKnowledge ](/annual-vs-monthly-saas-pricing-strategy) - [ № 158 2026.04.28 ### How Vibe Coders Should Set Up Payments: Stripe vs Merchant of Record (2026 Guide) How Vibe Coders Should Set Up Payments: Stripe vs Merchant of Record (2026 Guide) You shipped your vibe-coded app in 3 hours. Now you need payments. Suddenly it’s day two and you’re still reading Stripe Tax documentation. Something’s wrong. With 92% of AI tool builders shipping products daily in 2026, the gap between “it works” 2026.04.28duke · 17 minKnowledge ](/vibe-coding-payments-stripe-vs-merchant-of-record) - [ № 160 2026.04.27 ### The Best Checkout Tools for SaaS in 2026 (Ranked by Conversion Rate) 70% of potential SaaS customers abandon checkout before paying. Not because your product is bad. Because your checkout is broken. In 2026, the checkout tool you pick doesn’t just process payments — it directly determines your conversion rate, your tax liability, and how much time you spend on compliance vs. shipping. The difference between a 2026.04.27duke · 9 minKnowledge ](/best-checkout-tools-saas-conversions-2026) - [ № 161 2026.04.26 ### EU VAT on Digital Services in 2026: Why You Need a Merchant of Record Here’s a stat that should make any SaaS founder’s stomach drop: the EU collected over €1.1 trillion in VAT revenue in 2024, and digital services now account for a rapidly growing share of that. If you’re selling SaaS, software licences, or digital downloads to customers in Europe and you’re not handling EU VAT correctly, you’re 2026.04.26duke · 11 minKnowledge ](/eu-vat-digital-services-merchant-of-record-2026) - [ № 167 2026.04.24 ### FastSpring Review 2026: Is It Still the Best MoR for Software Companies? FastSpring processed its first digital software sale back in 2005 — before “SaaS” was even a mainstream term. Today it handles payments for thousands of software companies, video game studios, and digital product sellers worldwide. But in 2026, with Lemon Squeezy absorbed by Stripe and newer Merchant of Record (MoR) options hitting the market, does 2026.04.24duke · 10 minKnowledge ](/fastspring-review-2026) - [ № 169 2026.04.23 ### Payhip Review 2026: Is It Still Worth Using for Digital Creators? Payhip has been around since 2013. Most “reviews” you’ll find are either affiliates chasing a commission or shallow listicles that copy Payhip’s own marketing copy. This one isn’t. I’ve dug into the actual pricing math, tested the limitations, and compared it against what you can get elsewhere in 2026. Short verdict: Payhip is genuinely good 2026.04.23duke · 8 minKnowledge ](/payhip-review-2026) - [ № 171 2026.04.22 ### Lemon Squeezy Acquired by Stripe: What This Means for SaaS Founders in 2026 In July 2024, Stripe acquired Lemon Squeezy — a 13-person team that turned down a $50M Series A to build one of the indie SaaS world’s favorite Merchant of Record platforms. Fast forward to 2026, and the landscape has shifted considerably. If you’re a SaaS founder or digital product creator who built on Lemon Squeezy, 2026.04.22duke · 9 minKnowledge ](/lemon-squeezy-stripe-acquisition-saas-founders-2026) - [ № 177 2026.04.20 ### How to Choose a Merchant of Record for SaaS: The Complete 2026 Guide Learn how to choose a merchant of record for your SaaS business. This 2026 guide covers 6 critical factors: tax coverage, pricing, payment methods, billing flexibility, integration quality, and support. Compare top MoR providers and make the right choice. 2026.04.20Adrian Schenberg · 10 minKnowledge ](/how-to-choose-merchant-of-record-saas) - [ № 184 2026.04.20 ### 10 Best Payment SDKs for Developers in 2026: Complete Comparison Discover the 10 best payment SDKs for developers in 2026. Compare Stripe, Adyen, Checkout.com, Braintree, Square, and more. Find the right payment integration for your SaaS or digital product with real pricing and developer experience ratings. 2026.04.20Dawid Woźniak · 9 minKnowledge ](/best-payment-sdks-developers-2026-3) - [ № 188 2026.04.19 ### Recurring Billing vs Subscription Management: The Complete Guide for SaaS Founders (2026) Discover the key differences between recurring billing software and subscription management platforms. Learn which solution your SaaS needs based on your growth stage, pricing complexity, and operational requirements. 2026.04.19Dawid Woźniak · 9 minKnowledge ](/recurring-billing-vs-subscription-management) - [ № 189 2026.04.19 ### Merchant of Record vs Payment Processor: Which Does Your SaaS Actually Need? Stripe processes over $1 trillion in payments annually. But if you’re using it to sell SaaS globally, there’s a cost Stripe’s pricing page doesn’t mention: the hidden compliance tax you’re paying with your own time and money. There are two fundamentally different ways to handle payments for your SaaS: a payment processor (like Stripe, Braintree, 2026.04.19duke · 8 minKnowledge ](/merchant-of-record-vs-payment-processor-which-your-saas-needs) - [ № 190 2026.04.18 ### SaaS Free Trial vs Freemium: Which Model Converts Better in 2026? Free trials convert at 18-48% while freemium only hits 2-5%. But visitor acquisition tells a different story. Here’s the complete data on which SaaS pricing model actually drives more revenue in 2026. 2026.04.18Duke Vu · 9 minKnowledge ](/saas-free-trial-vs-freemium-2026) - [ № 191 2026.04.18 ### Merchant of Record vs Payment Processor: The Complete Guide for SaaS Founders (2026) Confused about Merchant of Record vs Payment Processor? This guide breaks down the key differences, helps you choose the right model for your SaaS, and explains why the wrong choice could cost you $400K in hidden compliance costs. 2026.04.18Dawid Woźniak · 7 minKnowledge ](/merchant-of-record-vs-payment-processor-2) - [ № 192 2026.04.18 ### How to Sell Digital Products Globally Without Worrying About VAT/Sales Tax Here’s a number that should worry you: over 110 countries now require foreign digital sellers to register for VAT or GST. The EU has a zero threshold — meaning you owe tax from the very first euro you earn from a European customer. Sell one $9 ebook to someone in Germany, and you technically have 2026.04.18duke · 11 minKnowledge ](/sell-digital-products-globally-vat-tax) - [ № 218 2026.04.15 ### The Complete Guide to Merchant of Record for Indie SaaS Founders (2026) There’s a number that most indie SaaS founders miss when they’re setting up payments: the compliance cost of going solo. Once you start selling in more than a handful of countries, you’re on the hook for VAT in Europe, GST in Australia, sales tax across 46 US states, and more. That’s not a weekend project 2026.04.15duke · 10 minKnowledge ](/merchant-of-record-indie-saas-guide-2026) - [ № 222 2026.04.15 ### 10 Best Revenue Recognition Software for SaaS in 2026: Complete Comparison Guide Discover the top 10 revenue recognition software for SaaS companies in 2026. Compare features, pricing, and ASC 606 compliance. Find the perfect solution for subscription billing, usage-based models, and complex contracts. 2026.04.15Dawid Woźniak · 10 minKnowledge ](/best-revenue-recognition-software-saas) - [ № 228 2026.04.14 ### SaaS Revenue Recognition: The Complete Guide to ASC 606 Compliance in 2026 Master SaaS revenue recognition with our complete ASC 606 compliance guide. Learn the 5-step framework, common pitfalls, and how to automate revenue recognition for your subscription business in 2026. 2026.04.14Dawid Woźniak · 9 minKnowledge ](/saas-revenue-recognition-asc-606-guide-2026) - [ № 239 2026.04.13 ### 10 Best Payment Infrastructure Platforms for SaaS in 2026: Complete Comparison Compare the 10 best payment infrastructure platforms for SaaS in 2026. From Stripe to Paddle to Fungies, find the right payment stack for your SaaS with pricing, features, and use cases. 2026.04.13Dawid Woźniak · 10 minKnowledge ](/best-payment-infrastructure-platforms-saas-2026) - [ № 243 2026.04.13 ### 10 Essential Tools for Your SaaS Finance Stack in 2026: The Complete Guide Build the perfect SaaS finance stack with our 2026 guide. Compare 10 essential tools for accounting, billing, analytics, and financial operations. Real pricing, honest reviews, and stage-specific recommendations from pre-revenue to $1M ARR. 2026.04.13Duke Vu · 12 minKnowledge ](/saas-finance-stack-2026) - [ № 249 2026.04.12 ### Payment Processor vs Merchant of Record vs Payment Gateway: The Complete Guide for SaaS Companies 2026 Confused about payment infrastructure? This guide breaks down the key differences between payment processors, merchants of record, and payment gateways — with real pricing comparisons and a decision framework for SaaS companies. 2026.04.12Dawid Woźniak · 9 minKnowledge ](/payment-processor-vs-merchant-of-record-vs-payment-gateway) - [ № 266 2026.04.10 ### 10 SaaS Pricing Models Compared: Which One Fits Your Business in 2026 Compare 10 SaaS pricing models for 2026: per-seat, usage-based, hybrid, tiered, and more. Learn which pricing model fits your business with real data, examples, and a decision framework. 2026.04.10Duke Vu · 8 minKnowledge ](/saas-pricing-models-compared-2026) - [ № 287 2026.04.07 ### AI Market: The Complete 2026 Market Analysis with Data, Trends & Predictions The global AI market hit $538 billion in 2026—a 37.3% YoY surge. By 2030, we are looking at a $1.81 trillion market. Complete analysis with data, trends, and predictions. 2026.04.07Duke Vu · 21 minKnowledge ](/ai-market-analysis-2026) January · 20261 entry - [ № 305 2026.01.10Latest ### 2026 Digital Revolution: 20 Top Trends for Modern Creators and Sellers The digital products marketplace is no longer a niche corner of the internet; it is a booming, mainstream economy. For creators, entrepreneurs, and digital product sellers, 2026 represents a landscape of unprecedented opportunity, driven by the convergence of the creator economy, AI, and evolving consumer behavior. The global digital marketplace, valued at over $580 billion 2026.01.10Maja Wiewióra · 28 minKnowledge ](/2026-digital-revolution-20-top-trends-for-modern-creators-and-sellers) September · 20251 entry - [ № 308 2025.09.10Latest ### The Unseen Engine of Growth: Why Your SaaS and Digital Business Needs a Merchant of Record In the fast-paced world of SaaS and digital downloads, your focus is on creating an exceptional product and building a loyal customer base. You’re a creator, an innovator, a problem-solver. But as your business grows, a new set of challenges emerges, a silent and complex web of administrative tasks that can quickly become a major 2025.09.10Duke Vu · 9 minKnowledge ](/the-unseen-engine-of-growth-why-your-saas-and-digital-business-needs-a-merchant-of-record) February · 20251 entry - [ № 322 2025.02.20Latest ### Top 10 Store Builders for Creators in 2025 (with Comparison Table) Discover the top 10 store builders for creators. Compare key features, benefits, and pricing to find the best platform that fits your business needs. Building a branded online store shouldn’t require coding skills, or come with hidden fees and limited customization. Yet, many store builders either lock key features behind paywalls or restrict design flexibility…. 2025.02.20Maja Wiewióra · 16 minGuides ](/store-builders-for-creators) March · 20242 entries - [ № 366 2024.03.25Latest ### Monopoly GO!: A Masterclass in User Acquisition, Monetization, and Player Psychology A Tale of Two Billion Dollars In the bustling realm of mobile gaming, where titles rise and fall with the fickle tides of player preferences, Monopoly GO! has emerged as a beacon of enduring success. Adapted from the iconic board game that has graced countless living rooms for generations, Monopoly GO! has transcended the physical 2024.03.25Duke Vu · 9 minGuides ](/monopoly-go-a-masterclass-in-user-acquisition-monetization-and-player-psychology) - [ № 367 2024.03.24 ### How to grow a community around your indie game Building a game is tough. Marketing is a skill that most game developers, skilled primarily in art or code, do not come equipped with. Creating a community for your indie title, however, will be surprisingly uplifting, rather than being a tax on the energy and time commitment you have for the game! Why organize a 2024.03.24Maja Wiewióra · 10 minGuides ](/how-to-grow-a-community-around-your-indie-game) February · 20241 entry - [ № 373 2024.02.08Latest ### Apple’s EU Digital Markets Act: an in-depth analysis Apple’s recent adjustments in response to the EU’s Digital Markets Act (DMA) have ignited discussions across the mobile app ecosystem. While some see these changes as insufficient, our analysis suggests that, under certain conditions, Apple’s proposals could indeed offer new opportunities for developers and publishers. This development is particularly significant for mobile game publishers, who 2024.02.08Duke Vu · 7 minGame Distribution ](/apples-eu-digital-markets-act-an-in-depth-analysis) November · 20233 entries - [ № 375 2023.11.24Latest ### Navigating the Resurgence of the Mobile Gaming Industry: Future Trends The mobile gaming industry, after facing a period of challenges, is poised for a resurgence. In this article (based on a report by AppTopia), we will explore the emerging trends that are shaping the future of mobile gaming. We will delve into the varied landscape of game genres and their unique dynamics. Additionally, the ramifications 2023.11.24Adrian Schenberg · 7 minGuides ](/navigating-the-resurgence-of-the-mobile-gaming-industry-future-trends-and-the-impact-of-the-digital-markets-act) - [ № 377 2023.11.11 ### Mastering Indie Game Sales: A Comprehensive Guide to Diversification and Self-Publishing In the ever-evolving world of indie game development, the path to success is both thrilling and challenging. As indie game publishers, you’re not just creators of immersive digital worlds; you’re also entrepreneurs navigating a competitive industry. To thrive in this dynamic landscape, you must continually adapt and explore new horizons. This article serves as your 2023.11.11Duke Vu · 10 minGuides ](/mastering-indie-game-sales-a-comprehensive-guide-to-diversification-self-publishing-and-steam-commission-solutions) - [ № 380 2023.11.03 ### Why Every Indie Game Developer Needs A Website And How To Start One Today Discover essential website strategies for indie games: mobile-friendly design, social media savvy, regular updates, and more for a standout online presence. 2023.11.03Dawid Woźniak · 10 minGame Distribution ](/why-every-indie-game-developer-needs-a-website-and-how-to-start-one-today) October · 20237 entries - [ № 381 2023.10.28Latest ### How to Resell Games on Steam: Myths and Realities Learn how to resell games on Steam with this comprehensive guide. Get the facts, pros, and cons to make an informed decision. 2023.10.28Duke Vu · 10 minGame Distribution ](/how-to-resell-games-on-steam-myths-and-realities) - [ № 382 2023.10.26 ### Sell Game Codes Beyond Steam Explore your options to sell game codes, from major platforms like Steam and Epic Games Store to indie favorites and even your own storefront. 2023.10.26Dawid Woźniak · 11 minGame Distribution ](/sell-game-codes-beyond-steam) - [ № 384 2023.10.20 ### The Complete Indie Developer’s Guide On How To Sell Steam Games Navigate the complex world of how to launch and sell steam games with this guide. From market research to community engagement and no-code storefronts. 2023.10.20Dawid Woźniak · 12 minGame Distribution ](/the-complete-indie-developers-guide-on-how-to-sell-steam-games) - [ № 387 2023.10.16 ### FAQ: How to Refund a Game on Steam Learn the ins and outs of how to refund a game on Steam with our comprehensive guide. We’ve got you covered for a hassle-free refund experience. 2023.10.16Duke Vu · 10 minGuides ](/faq-how-to-refund-a-game-on-steam) - [ № 388 2023.10.12 ### Steam Game Trading 101: How To Trade Games On Steam? Learn everything about how to trade games on Steam. From understanding the trading ecosystem to insights for indie developers. Stay informed and trade smart. 2023.10.12Adrian Schenberg · 11 minGuides ](/steam-game-trading-101-how-to-trade-games-on-steam) - [ № 389 2023.10.08 ### EU Digital Markets Act (DMA) Targets Tech Titans: Here’s What You Need to Know EU’s European Commission designates six tech giants as ‘gatekeepers’ under the DMA, intensifying scrutiny on their digital services for a fairer digital market. 2023.10.08Maja Wiewióra · 9 minKnowledge ](/eu-digital-markets-act-dma-targets-tech-titans-heres-what-you-need-to-know) - [ № 390 2023.10.04 ### Indie Game Concept Journey: From Niche to Mainstream Explore the transformative journey of the concept of an indie game: its origins, influential milestones, and the symbiotic relationship with its community. 2023.10.04Maja Wiewióra · 10 minKnowledge ](/indie-game-concept-journey-from-niche-to-mainstream) § End of file [Browse the full archive →](https://fungies.io/latest-news-blog/) ## Stop reading about it. Start selling. Everything we write about — tax, payouts, checkout, recovery — is already handled the moment you open an account. No card, no contract, no setup fee. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. No credit card required. ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://fungies.io/#organization","name":"Fungies","legalName":"Fungies Inc.","url":"https://fungies.io/","description":"Merchant of Record for SaaS, games, and digital products. Fungies handles global payments, VAT and sales tax, and checkout. 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