Best Payments for SvelteKit SaaS in 2026

Strengths

• ✓Documentation and SDK quality set the benchmark the rest of the industry copies.
• ✓Handles proration, trials, metered usage and dunning without custom billing logic.
• ✓Every boilerplate, tutorial and hiring pool already assumes Stripe.

Tradeoffs

• ✗You are the merchant of record, so sales tax and VAT remain your obligation.
• ✗The API surface is huge, and getting subscriptions right takes real reading.
• ✗Account reviews and holds happen with limited recourse for edge-case businesses.

Strengths

• ✓Acts as merchant of record, so global sales tax stops being your job.
• ✓Open source platform, so you can read exactly how billing behaves.
• ✓Digital product, licence key and usage billing primitives suit software sellers directly.

Tradeoffs

• ✗Younger platform, so it carries less proven history than incumbent processors.
• ✗Merchant of record model means the customer relationship is partly intermediated.
• ✗Payout timing follows the reseller model rather than landing immediately.

Strengths

• ✓Hosted checkout and licence keys mean a product can launch in an afternoon.
• ✓Built-in affiliate program removes the need for a separate referral tool.
• ✓Tax compliance across jurisdictions is absorbed by the reseller arrangement.

Tradeoffs

• ✗Checkout customization is limited compared to building your own payment page.
• ✗Combined reseller fee is higher than raw processing on the same volume.
• ✗Being acquired means roadmap and platform direction are set elsewhere.

Strengths

• ✓Handles global tax registration and remittance including tricky jurisdictions.
• ✓Recovery and retry tooling for failed subscription charges is mature.
• ✓Supports business-to-business invoicing and purchase orders that self-serve tools skip.

Tradeoffs

• ✗Onboarding involves an approval process, not just an instant signup.
• ✗Blended rate hides the split between processing and compliance costs.
• ✗Product catalogue is managed in their dashboard, which limits programmatic control.