Keep control. Lose the liability.
Full VAT compliance without leaving Stripe.
DIY tax means multiple global registrations, e-invoicing setups, and audits. Merchant of Record payment service providers take the tax risk, but they also take over customer ownership, subscription management, and charge 5–15% of revenue. XborderCo lets you keep Stripe while we handle VAT liability.
| Feature | Stripe (+ DIY Tax) | XborderCo | Merchant of Record PSP |
|---|---|---|---|
| Global Tax Liability | |||
| VAT liable | You | XborderCo | MoR |
| Compliance burden | You | XborderCo | MoR |
| Payments & Ownership | Your Stripe account | ||
| Owns the customer | You | You | MoR |
| Owns the subscription | You | You | MoR |
| Checkout | Stripe | Stripe | MoR-branded |
| Invoicing | Stripe | Stripe | MoR |
| Name on customer statement | You | You | MoR |
| Fees | Stripe fees (+ Tax compliance fees) | 1–2% (+ Stripe payments fees) | 5%–15% (+ 50c per transaction) |
(+ Tax compliance fees)
(+ Stripe payments fees)
(+ 50c per transaction)
Why SaaS teams choose XborderCo
Built for digital merchants who want to scale globally without tax liability.
Stripe-native integration
5 minute install. Install via our Stripe App and webhooks. Keep your Checkout, Billing, Customer Portal, refund flows, and payout timelines exactly as they are today.
Subscription & one-off payment support
All Stripe payment types supported. One-off payments, new subscriptions and forward support of existing subscriptions where required.
Reverse charge + B2B support
Collect VAT numbers, validate via VIES, apply reverse charge when appropriate, adjust invoicing as required by local legislation. Automatically.
Invoicing
Keep Stripe invoicing. Customer invoices show XborderCo VAT IDs; e-invoicing obligations are our problem - not yours.
How it works
Get compliant in three steps.
Connect Stripe
Install the XborderCo app, grant webhook access, and sync your catalog and subscriptions data in under five minutes. No API integration or development required.
Configure VAT scope
Choose the countries you want us to cover, set VAT-inclusive vs exclusive pricing, and set B2B behaviour. Enter billing information.
Turn on
Switch to live.
Incl countries in Europe, Asia, Africa, LATAM; US support next.
Stripe App + preferences wizard
Our VAT IDs, our e-invoicing certificates, our audits
Resources
Understand the trade-offs before you pick a tax model.
DIY vs MoR vs XborderCo
A side-by-side breakdown of cost, control, and compliance when choosing between Stripe (+ DIY Tax), merchant-of-record PSPs, or XborderCo.
Read article →Tax compliance checklist for SaaS
Registration, location evidence, invoicing requirements, and record-keeping for selling globally.
Read article →5 signs you've outgrown DIY tax compliance
Recognize when managing VAT/GST in-house is holding back your SaaS business.
Read article →