Paddle vs Clerk
Merchant of Record for SaaS — global tax, billing, checkout in one
vs. User management and authentication as a service
Pricing tiers
Paddle
Pay-as-you-go
5% + 50¢ per Checkout transaction. No monthly fee. All-inclusive (tax, fraud, support).
$0 base (usage-based)
Enterprise
Custom rates for high-volume. Dedicated success. Custom migration + implementation.
Custom
Invoicing (<$10 products)
Custom pricing for invoicing / products under $10.
Custom
Clerk
Free
50k MAU included. No SSO/SAML. Perfect for side projects and early prototypes.
Free
Pro
$25/mo (or $20/mo annual). 50k MAU, $0.02 each after. 1 enterprise SSO connection per app. Webhooks, JWT templates, custom session duration.
$25/mo
Business
$300/mo (or $250/mo annual). Advanced organizations, enhanced support, additional enterprise features.
$300/mo
Enterprise
Custom. Volume MAU discounts, SLA, workspace-wide SAML SSO, dedicated support.
Custom
Free-tier quotas head-to-head
Comparing payg on Paddle vs hobby on Clerk.
| Metric | Paddle | Clerk |
|---|---|---|
| mao | — | 100 orgs/month |
| mau | — | 50000 users/month |
| sso connections | — | 0 connections |
Features
Paddle · 12 features
- Affiliates (Rewardful partnership) — Affiliate tracking (via partner).
- Customer Portal — Self-service subscription management.
- Fraud Protection — ML + human review. Paddle absorbs chargebacks.
- Global Tax Compliance — Automatic VAT/GST/sales tax calc + remittance + filing.
- One-time Sales — Perpetual license sales, single purchases.
- Paddle Checkout — Hosted or overlay checkout. Localized + fraud-protected.
- Paddle Retain — Revenue recovery + cancel flows (acquired Retain).
- ProfitWell Analytics — Included subscription analytics (acquired ProfitWell).
- Self-Serve Invoices — B2B invoicing with custom POs.
- Smart Dunning — Retry logic + email sequences for failed payments.
- Subscriptions — Full lifecycle: trials, changes, cancellations, recovery.
- Webhooks — Standard resource events with HMAC signing.
Clerk · 15 features
- Account Portal — Hosted sign-in/user profile pages at accounts.yourapp.com — zero UI code, fully …
- Bot Protection — Cloudflare Turnstile CAPTCHA integrated into sign-up.
- Clerk Billing — Built-in Stripe-powered billing: subscriptions, plans, proration — ties directly…
- Enterprise SSO (SAML/OIDC) — SAML and OIDC for enterprise customers. Per-domain connection. Pro+ (1 included)…
- Impersonation — Act as a user from dashboard to debug. Logged.
- JWT Templates — Custom JWT issuance for third-party backends (Supabase, Hasura, Firebase, Convex…
- Machine Tokens (M2M) — API keys and machine tokens for service-to-service auth in addition to user sess…
- Multi-Factor Auth — TOTP (authenticator apps), SMS OTP, backup codes. Forced or optional per user.
- Organizations (B2B) — Multi-tenant orgs with roles, permissions, invitations, domain allowlist, and pe…
- Passkeys (WebAuthn) — Passwordless passkey sign-in with per-device biometrics.
- Prebuilt Components — Drop-in React components: <SignIn/>, <SignUp/>, <UserButton/>, <OrganizationSwit…
- Sessions — Server-side session tokens. Sliding expiration by default; configurable absolute…
- User Management — Full user CRUD, metadata (public/private/unsafe), email/phone verification, ban/…
- Waitlist Mode — Collect sign-ups before opening the app. Approve waitlist entries to activate ac…
- Webhooks — Events: user.created/updated/deleted, session.created, organization.* — delivere…
Developer interfaces
| Kind | Paddle | Clerk |
|---|---|---|
| SDK | Paddle.js, @paddle/paddle-node-sdk, paddle-python | @clerk/astro, @clerk/backend / @clerk/clerk-sdk-node, @clerk/chrome-extension, @clerk/clerk-expo, @clerk/clerk-js (vanilla), @clerk/clerk-react, @clerk/clerk-react-native, @clerk/nextjs, @clerk/nuxt, @clerk/remix, clerk-sdk-go, clerk-sdk-python, clerk-sdk-ruby, @clerk/tanstack-start, @clerk/vue |
| REST | Paddle Billing API | Backend REST API, Frontend API |
| MCP | — | Clerk MCP |
| OTHER | Paddle Checkout, Paddle Webhooks | Webhooks (Svix) |
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