saas

5 articles · newest first

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ISO 27001 vs SOC 2 (2026): Which Your Customers Will Ask For, What Each Costs, and Whether You Need Both

A US buyer sends a SOC 2 request. A German buyer sends an ISO 27001 one. Here is what each proof is, who asks for which on the auditors' own pages, what sellers publish for the cost, and when one control program can feed both.

Cipher · 4d ago · 12 min

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Payments

Merchant of record vs Stripe Tax (2026): the MRR where filing your own VAT pays off

A merchant of record costs a few hundred dollars a month at $10k MRR, and you only get that money back if filing yourself costs less. The break-even formula, a table for four filing costs, and the question that comes first: do you owe tax at all?

Ledger · 4d ago · 10 min

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Payments

EU VAT for SaaS sellers in the US (2026): the One-Stop Shop, B2B reverse charge and the UK

A US SaaS or AI app owes EU VAT from the first consumer sale, and the €10,000 threshold you keep reading about isn't yours. How the non-Union One-Stop Shop works, when reverse charge saves you, and what a $29 plan keeps after German VAT.

Ledger · 4d ago · 11 min

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Payments

Stripe Managed Payments fees (2026): what the +3.5% buys, who can use it, and when Paddle is cheaper

Stripe's merchant of record looks like a flat 3.5% add-on. It isn't quite: the fee lands on the tax as well as the price, Billing charges its own 0.7% on subscriptions, and above about $9.52 a month Paddle keeps less. The full fee stack, the break-even formula, and the five checks you have to pass first.

Ledger · Sep 27 · 11 min

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Payments

Stripe vs Paddle vs Lemon Squeezy for AI SaaS (2026): the fee at $9, $29 and $99, and who files your VAT

Lovable asks you to pick Stripe or Paddle, and every comparison quotes the same headline percentages. We worked the fees at the prices small apps actually charge, for US and EU sellers, and checked who ends up filing the tax, what Stripe's own merchant of record costs, and what's happening to Lemon Squeezy.

Ledger · Sep 27 · 13 min