Paddle
Build a product catalog and entitlement layer around a normal payment provider
A consolation build is possible, but the paid product's decisive value sits outside a solo rebuild. For Paddle, build a product catalog and entitlement layer around a normal payment provider. The hard boundary is merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance, plus payments, tax, distribution, and operations.
Build verification: not recorded. How we judge buildability
What you give up
- merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance
- marketplace discovery
- tax remittance
- fraud operations
- advanced course and community tooling
Why people still pay
People still pay for Paddle because creators pay to outsource the dangerous and tedious parts around money, delivery, tax, and customer access. The recurring cost buys checkout, webhooks, tax, refunds, fraud, entitlements, storage, email, accessibility, backups, and customer support, not just the visible interface.
Your build guide
The stack, security requirements, and agent rules for a focused replacement.
Before you start
- Stripe account
- PostgreSQL
- S3-compatible storage
- public HTTPS deployment
- email provider
Use these project rules and optional skill references alongside the prompt. Review each skill before adding it to your agent; the AGENTS.md export includes the same guidance.
Project rule, data: Model products, buyers, purchases, entitlements, and delivery receipts; keep stable source IDs and timestamps.
Project rule, behavior: Implement products, variants, prices, files or lessons, coupons, customers, orders, and entitlements.
Project rule, recovery: Use Stripe-hosted Checkout and verify every webhook signature and idempotency key.
Implementation plan
Phase 1, architecture and data
Use Next.js 15, TypeScript, PostgreSQL, Drizzle ORM, Stripe Checkout, and S3-compatible storage. Model products, buyers, purchases, entitlements, and delivery receipts; keep stable source IDs and timestamps.
Phase 2, implement
Implement products, variants, prices, files or lessons, coupons, customers, orders, and entitlements.
Phase 3, implement
Create a customer library with signed short-lived download or lesson URLs.
Phase 4, review and output
Add order search, resend receipt, refund handoff, export, and an immutable event log. Create a customer library with signed short-lived download or lesson URLs.
Phase 5, recovery and acceptance
Use Stripe-hosted Checkout and verify every webhook signature and idempotency key. Verify this invariant with a saved fixture: A repeated payment webhook cannot deliver twice; a refund must revoke the relevant access without deleting the audit trail. State the practical limit: merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance.
Build me a focused digital products, courses and memberships workflow for the personal core of Paddle. Requirements: - Use Next.js 15, TypeScript, PostgreSQL, Drizzle ORM, Stripe Checkout, and S3-compatible storage. Model products, buyers, purchases, entitlements, and delivery receipts; keep stable source IDs and timestamps. - Paid product context: Build a product catalog and entitlement layer around a normal payment provider. Build only this DIY scope: Sell a small product catalog through a normal payment provider, deliver purchased files or lessons via an entitlement layer, and manage customers from a user-owned storefront. - Implement products, variants, prices, files or lessons, coupons, customers, orders, and entitlements. - Create a customer library with signed short-lived download or lesson URLs. - Add order search, resend receipt, refund handoff, export, and an immutable event log. - Use a local web page with input, progress, review, and export views. Required input or access: Stripe account; S3-compatible storage. Keep credentials in .env. - Recovery: Use Stripe-hosted Checkout and verify every webhook signature and idempotency key. - Acceptance: with one labelled sample, show the input, saved intermediate state, and exported result; verify this invariant: A repeated payment webhook cannot deliver twice; a refund must revoke the relevant access without deleting the audit trail. - Out of scope: merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance; marketplace discovery. Keep this a personal, inspectable workflow. - Include a README with setup, a sample input, required keys or permissions, data location, and the supported scope.
$ open in your agent (prompt prefilled, you press enter), copy the prompt or copy AGENTS.md · generated from this app's build plan
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Paddle pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| pay as you go | $0 | $0 | No published product or revenue cap; 5% + $0.50 per checkout; payments, billing, tax, fraud and chargeback handling included. |
| custom | — | — | Custom volume rates and commercial terms; 0 self-serve prices published.Contact sales. |
free tierNo monthly fee and no published usage cap; Paddle charges 5% + $0.50 per checkout
billingtransaction-only pricing; no monthly or annual subscription
hidden costsChargebacks cost $15 for cards or $20 for PayPal; Paddle itself adds no payout fee beyond the base rate, but the receiving bank or Payoneer can charge one.
pricing sources checked 2026-08-14 · pricing source ↗
Questions about Paddle
Can you build your own Paddle with AI?
A full replacement is not the recommended project. A consolation build is possible, but the paid product's decisive value sits outside a solo rebuild. For Paddle, build a product catalog and entitlement layer around a normal payment provider. The hard boundary is merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance, plus payments, tax, distribution, and operations.
What does the Paddle build prompt cover?
The prompt starts with this scope: Sell a small product catalog through a normal payment provider, deliver purchased files or lessons via an entitlement layer, and manage customers from a user-owned storefront. Full-product capabilities excluded from the comparison include: merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance; marketplace discovery; tax remittance. Follow the implementation plan and its prerequisites before expanding the build.
How do I use the prompt, AGENTS.md and agent skills?
Start with the Paddle prerequisites and stack, then copy the prompt into your coding agent. Save the project rules as AGENTS.md in the project root. Linked skills are optional packages or source instructions for specific tasks; review their current contents and install only those matching the chosen stack. A skill does not supply API credentials or verify the finished app.
How long will this Paddle project take?
The catalogue estimate is closest consolation build: one sitting for the limited scope. Setup, integration approvals, debugging, deployment and ongoing maintenance can add time. This is an estimate, not a delivery guarantee.
What would I give up by replacing Paddle?
merchant-of-record tax, billing, fraud, subscriptions, global payments, and compliance; marketplace discovery; tax remittance; fraud operations; advanced course and community tooling. People still pay for Paddle because creators pay to outsource the dangerous and tedious parts around money, delivery, tax, and customer access. The recurring cost buys checkout, webhooks, tax, refunds, fraud, entitlements, storage, email, accessibility, backups, and customer support, not just the visible interface.
What can I use instead of building Paddle?
The prior-art section lists Medusa as starting points. Review their current scope, license and maintenance before adopting one.