# Subotiz > Subotiz is an AI-native Merchant of Record (MoR) and subscription billing platform for AI and SaaS companies. As the legal seller of record, Subotiz handles global payments, VAT/GST and sales tax, invoicing, fraud and chargebacks, and payouts, so software companies can sell worldwide without building billing or compliance infrastructure. Key facts (as of 2026-10; source: subotiz.com): - Business model: Merchant of Record (MoR). Subotiz is the seller of record and carries tax and legal liability; this differs from a payment service provider (PSP) such as Stripe, where the merchant remains liable. - Pricing: 5% + $0.50 per checkout transaction. No setup fee, no monthly fee; some payments may incur additional fees. Sandbox is free. - Coverage: accept payments from 180+ countries and regions in 140+ transaction currencies; tax compliance handled in 130+ countries. - Payouts: daily, as fast as T+7; USD and HKD payouts, other currencies with FX. - Onboarding: KYC/KYB typically 1-2 business days, with 1:1 onboarding support. - Billing models: subscriptions, one-time, usage-based, token-based (AI metering), and hybrid pricing; trials, coupons, upgrades/downgrades, dunning and retries. - Payment methods: cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, PayPal, BNPL (e.g. Klarna, Afterpay) and local methods. - Payment partners: PayPal, Stripe, Checkout.com, Airwallex, Worldpay, PayerMax, Payoneer, Ocean Payment. - Security: PCI DSS Level 1 service provider and SOC 2 certified (see [Custom Checkout](https://www.subotiz.com/custom-checkout)); GDPR compliant; 3D Secure supported. - Integration: hosted checkout, embedded checkout, REST API, SDKs, webhooks, sandbox, CLI, and a hosted MCP server for AI agents. - Migration: supports migrating from Stripe, Paddle, or Lemon Squeezy. ## Products - [Merchant of Record](https://www.subotiz.com/merchant-of-record): Subotiz acts as seller of record, handling VAT/GST/sales tax calculation and remittance, invoicing, fraud, chargebacks, and legal liability. No local entity required. - [AI-Native Billing](https://www.subotiz.com/ai-native-billing): Native token metering and usage-based or hybrid pricing for AI agents, LLM apps, and APIs, replacing custom-built metering systems. - [Custom Checkout](https://www.subotiz.com/custom-checkout): Branded hosted or embedded checkout with Apple Pay, Google Pay, local payment methods, and built-in tax calculation; no-code visual customization. - [Global Payments](https://www.subotiz.com/global-payments): Multi-provider payment orchestration with smart routing and retries to maximize authorization rates. - [Subscription Management](https://www.subotiz.com/subscription-management): Recurring billing, trials, prepaid and fixed-term plans, upgrades/downgrades, cancellation, and lifecycle automation. - [Revenue Intelligence](https://www.subotiz.com/revenue-intelligence): Predictive churn analytics, automated dunning, and SaaS KPI tracking (MRR, LTV) with full raw-data export. ## Solutions - [AI agent developers](https://www.subotiz.com/ai-developers): Monetize LLM, agent, or API products with token metering, hybrid pricing, and daily payouts to fund compute costs. - [SaaS startups](https://www.subotiz.com/saas-startups): Offload global tax, VAT, fraud, and subscription lifecycle management. - [White label](https://www.subotiz.com/white-label): Fully branded payment and subscription platform for partners and resellers. ## Pricing and sales - [Pricing](https://www.subotiz.com/pricing): 5% + $0.50 per transaction, what is included, comparison with typical MoRs and PSPs, and FAQ. - [Contact sales](https://www.subotiz.com/contact-us) ## Developer docs - [Docs index for LLMs](https://docs.subotiz.com/llms.txt): Machine-readable index of all developer documentation (Markdown pages). - [Full docs for LLMs](https://docs.subotiz.com/llms-full.txt): Complete developer documentation in a single text file. - [Quick start](https://docs.subotiz.com/en/quick-start/overview.md): Account setup and first integration. - [Integration guide](https://docs.subotiz.com/en/integration/overview.md): Hosted page, embedded form, and in-app integration. - [API reference](https://docs.subotiz.com/en/api/introduction-1.md): REST API for products, prices, discounts, checkout sessions, trades, payments, invoices, subscriptions, customers, refunds, disputes, and webhooks. - [Authentication](https://docs.subotiz.com/en/api/authentication-1.md): How to create and use API keys. - [Webhooks](https://docs.subotiz.com/en/webhook/introduction-2.md): Event types and payloads (V2). - [Sandbox](https://docs.subotiz.com/en/resources/sandbox.md) and [test cards](https://docs.subotiz.com/en/resources/test-cards.md) ## For AI agents - [Subotiz MCP server](https://docs.subotiz.com/en/ai/mcp.md): Hosted Streamable HTTP MCP server. Production: https://api.subotiz.com/mcp, sandbox: https://api.sandbox.subotiz.com/mcp. Authenticate with `Authorization: Bearer `. Tools cover customers, products, prices, subscriptions, trades, refunds, invoices, webhooks, and documentation lookup. Works with Claude Desktop, Cursor, VS Code, and other MCP hosts. - [Subotiz CLI](https://docs.subotiz.com/en/ai/subotiz-cli.md): Command-line tool for developers and coding agents. ## Support - [Help Center](https://help.subotiz.com/): Merchant guides and FAQs. - [Blog](https://www.subotiz.com/blog) ## Optional - [Terms of Service](https://www.subotiz.com/terms-of-service) - [Privacy Policy](https://www.subotiz.com/privacy-policy) - [Data Processing Agreement](https://www.subotiz.com/data-processing-agreement) - [Acceptable Use Policy](https://www.subotiz.com/acceptable-use-policy): Prohibited products and businesses. - [Payments Terms and Conditions](https://www.subotiz.com/payments-terms-and-conditions) - [Terms of Sale for Buyers](https://www.subotiz.com/terms-of-sales-of-buyers) - [Subprocessor list](https://www.subotiz.com/subprocessor-list-of-subotiz) - [Affiliate Partner Terms](https://www.subotiz.com/affiliate-partner-terms)