Payments for agent-built SaaS
MoR
Paddle and Lemon Squeezy are common choices for digital products because they can act as merchant of record. Stripe offers checkout and payment infrastructure, and some Stripe products cover managed payment responsibilities for eligible businesses.
Gap
The hard part is not just taking a card. It is deciding who pays for each model call, refunding failed jobs, preventing runaway spend, and opening access after payment.
SettleMesh
SettleMesh packages deploy, auth, database, usage billing, and service calls into one path a coding agent can operate after it writes the app.
1. Are you selling SaaS access, API credits, files, services, or one-off downloads?
2. Do users trigger paid AI/model/search/media calls?
3. Do you need subscriptions, prepaid credits, or per-action charges?
4. Who handles VAT, GST, sales tax, refunds, and disputes?
5. What happens when a paid background job fails?
6. How does payment unlock app access, API quota, or license rights?FAQ
A merchant of record is the entity responsible for selling to the customer and handling parts of the payment, tax, compliance, refund, and dispute workflow. SaaS builders compare MoR providers when they do not want to manage those obligations directly.
FAQ
No. A simple app may only need a payment link or checkout. An AI app with usage-based compute, credits, user wallets, refunds on failed jobs, and paid API calls often needs an additional metering and entitlement layer even when a MoR handles checkout.
FAQ
SettleMesh focuses on agent-built apps that need deploy, login, database, metered usage, and end-user payments together. It can sit beside payment providers by turning prepaid top-ups into app-level usage billing.