2026 SaaS Merchant of Record (MoR) & Global Payment Fee Dataset + Effective Take-Home CLI (Stripe, Creem, Polar, Paddle, Lemon Squeezy)

Complete 2026 fee dataset (CSV + JSON) and zero-dependency Node.js CLI simulator comparing Creem (3.9%+$0.40, 0% intl surcharge), Polar.sh (Starter vs $20/mo Pro tier at 3.8%+$0.40), Paddle (5%+$0.50, 0% intl surcharge), Dodo Payments, Lemon Squeezy, FastSpring, and Stripe Full Stack (2.9%+$0.30 + 0.7% Billing + 0.5% Tax + 2.5% Intl/FX). Calculates exact net monthly payout based on your plan price, order volume, and international buyer percentage.