There
The buyer pays Polar, not you. The sale and the customer belong to Polar. Your money arrives later, on Polar's payout schedule.
Pact · VIII
Coming from Polar?
Polar and Coin Moebius solve the same job in opposite ways. Polar is a merchant of record. It sells on your behalf and handles the tax. We are simple plumbing between your page and accounts you own. Once you know which one you need, the rest follows.
What a merchant of record buys you
Polar's big win is that you stop thinking about sales tax. As the merchant of record, it owns each transaction. So it registers, collects, and pays tax and VAT across borders for you. It is also open source and built for developers, which is a real draw. If you ship into many countries, that relief is worth a lot.
What it costs you
Because Polar owns the transaction, it also owns the rules. It takes a share of every sale. Your buyers sit in its records, not yours. Crypto is not part of the deal. Sellers leave when they want the money, the customer, and the rules back under their own name.
What stays the same
You still sell from a page with nothing to run. Both tools handle the checkout plumbing. You keep building your product, not a billing stack. Subscriptions still work without you writing billing code.
Who owns the transaction
Here
The buyer pays through your own Stripe, PayPal, or NOWPayments account. We verify the sale, log it, and step back. There is no payout to wait for, because the money never touches us.
Why it matters
Nobody can freeze money they never hold. The worst we can do is lose you as a customer, because the open SDK lets you point your button elsewhere.
Weigh it honestly
What you gain
- Your own payment accounts, in your own name. We never hold your money.
- Crypto and pay-by-mail in the picker, which a merchant of record does not offer.
- A flat monthly price, and 0% of your sales, ever.
- An open-source exit no one can close, not even us.
What you give up
- Tax handled for you. Collecting and paying tax where required becomes your job again.
- The legal shield of a merchant of record.
- Polar's built-in tools for digital products and subscriptions, as Polar packages them.
How to make the move
- Open your own payment accounts if you do not have them yet. They belong to you, not us.
- Create a project, connect those accounts, and add your products.
- Attach files to digital products so delivery stays automatic.
- Point your buy links at pages carrying the button, and test in test mode.
- Stop issuing the old Polar checkout links, and wind the store down as in-flight orders settle.
Subscriptions cannot move between systems. Existing ones keep billing on Polar until they cancel. Subscribers will need to sign up again through your button. Write that email before you switch the links.
A fair case for staying
If the tax handling is why you signed up, and crypto means nothing to you, a merchant of record is the right tool. We are not one. This page is for sellers who want their accounts and customers back.
Try it before you decide
The free plan is a full sandbox. You get every feature and 150 transactions a month, and we never ask for a card.