Stop paying for the extras

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.

Stripe's base rate of 2.9% + $0.30 looks attractive, but cross-border transactions add +1%, currency conversion adds another +1%, and dispute fees are $15 to open + $15 to respond. 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.

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.

Stripe supports cards and a limited set of local payment methods. In many markets, card-only checkout means losing 20-40% of potential customers.

Waffo Pancake supports 200+ local payment methods including Alipay, PIX, iDEAL, and local bank transfers — giving your customers the payment options they prefer.