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Best payments API for SaaS

3 models · updated 2026-06-29

The verdict

Paddle leads — All 3 models rank Paddle the top startup.

Combined ranking

  1. 1
    Paddle—10 pts
    GPT #3Claude #3Gemini #2· Acts as a Merchant of Record (MoR) to legally handle and remit global sales tax/VAT, eliminating compliance risks for scaling international businesses.

Not ranked (incumbents): Stripe, Adyen, Checkout.com, Braintree

By model

ChatGPT

  1. 1.Stripe
  2. 2.Adyen
  3. 3.Paddle
  4. 4.Checkout.com
  5. 5.Braintree

Claude

  1. 1.Stripe
  2. 2.Adyen
  3. 3.Paddle
  4. 4.Braintree
  5. 5.Checkout.com

Gemini

  1. 1.Stripe
  2. 2.Paddle
  3. 3.Adyen
  4. 4.Checkout.com
  5. 5.Braintree

Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled continuously