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SaaS & Creators · 2026

Suby vs Polar

Both Merchant of Record platforms. Suby delivers lower effective fees, a more powerful API, built-in crypto payouts, and a dashboard built for scale.

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Every feature, fee and limitation, compared honestly.

Suby Polar
Suby vs Polar — feature, fee and limitation comparison
FeatureSubyPolar
Merchant of Record & Fees
Transparent FeesSuby: 4% per transaction; 1% + $0.30 card processing; 1.5% per transaction; No payout feePolar: 4% + $0.40 per transaction; +1.5% surcharge on international cards; No volume discounts; No crypto payout option; Flat pricing regardless of scale
Merchant of Record
Both handle global tax, compliance and invoicing. Same protection model.		YesYes
USDC / Crypto Payouts
Suby: get settled in USDC. Polar: fiat only.		YesNo
Volume-Based Pricing
Suby offers negotiable fees at scale. Polar: flat 4% + $0.40 regardless of volume.		YesNo
Global Tax Handling
Both handle VAT, GST, and sales tax across 190+ countries.		YesYes
Payments & Billing
Card Payments
Visa, Mastercard, AMEX, Apple Pay.		YesYes
Crypto Payments
Suby: full multi-chain (USDC, ETH, SOL, BNB). Polar: no crypto support.		YesNo
Recurring Billing
Automated subscriptions and retainer billing.		YesYes
Built-in Invoicing
Create and send branded invoices directly. Polar: no native invoicing.		YesNo
Payment Links
Shareable links for instant payment.		YesYes
API & Developer Experience
REST API
Full REST API with comprehensive endpoints. Polar: more limited scope.		YesPartial
Webhooks
Real-time webhooks for all events. Suby: more event types.		YesYes
Custom Checkout Flows
Build fully custom payment experiences via API.		YesPartial
Server-to-Server Security
API keys, OAuth, signed webhooks. Enterprise-grade auth.		YesYes
Integrations & Tools
Discord Integration
Automated role management, gating, access control.		YesNo
Telegram Integration
Group and channel access automation.		YesNo
Built-in Notifications
Email, push, in-app. Polar: email only.		YesPartial
Experience & Growth
Clean, Fast Dashboard
Both have solid dashboards. Suby: more streamlined for daily ops.		YesYes
Human Support
Suby: real team, under 2h response. Polar: community-driven.		YesPartial
Automated Upsells
Trigger the right offer at the right moment in the funnel.		YesNo
Built-in Affiliate Program
Tracking, payouts, and dedicated affiliate dashboard.		Coming soonNo
Native Email Marketing
Sequences, broadcasts, segmentation built in.		Coming soonNo
Complexity & Setup
No-Code Setup
Both offer no-code paths. Suby: payment links work without dev setup.		YesYes
Simple Pricing Model
One transparent rate. Polar: flat fee plus intl surcharge.		YesPartial
No Developer Dependency
Both offer no-code paths. Suby focuses on payment simplicity.		YesYes
Built for SaaS & Creators
Suby: built for SaaS, creators and digital products. Polar: developer-focused first.		YesPartial
Monthly invoiced revenue
$5,000
Drag to adjust
$500$25k$50k$75k$100k
Suby
$250
You keep $4,750
Polar
$345
You keep $4,655

Why teams choose Suby

Three reasons SaaS founders and creators are switching from Polar.

Lower effective fees at scale
Negotiable rates for high-volume merchants. Polar offers no volume discounts.
USDC payouts, native crypto
Get settled in USDC or fiat. Native multi-chain support: ETH, SOL, BNB. Polar is fiat-only.
More features, same simplicity
Discord and Telegram gating, built-in invoicing, payment links and subscriptions, all in minutes.
Not using Polar?

Compare Suby with any payment processor

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Frequently asked

Everything you'd ask a Suby rep before switching.

How is Suby cheaper than Polar if both charge 4%?

Polar charges 4% + $0.40 per transaction, plus a 1.5% surcharge on international cards, with no volume discounts. Suby charges 4% + 1% + $0.30 per card transaction (~5%), but offers 1.5% on crypto payments and negotiable rates at scale. For international or high-volume merchants, Suby ends up significantly cheaper.

Are Suby and Polar both Merchant of Record?

Yes. Both handle VAT, GST, sales tax, and invoicing on your behalf across 190+ countries. The MoR protection model is the same, but Suby adds crypto-native tax flows and built-in invoicing on top.

Why pick Suby over Polar?

Lower effective fees at scale, native crypto payouts (USDC, ETH, SOL, BNB), Discord and Telegram integrations, built-in invoicing, more powerful webhooks, and human support under 2 hours. Polar is great if you only need fiat payments and a simple API, but Suby covers more ground.

Can I get paid in USDC?

Yes. Suby supports USDC payouts directly to your wallet, removing banking delays and FX losses. Polar is fiat-only. Both options are available from day one on Suby.

How quickly can I migrate from Polar?

Most teams migrate in under a day. Suby supports payment links, recurring subscriptions, and webhook-compatible APIs out of the box. Talk with our founder for a guided migration.

What if I'm doing high volume? Are fees negotiable?

Yes. High-volume merchants get custom pricing. If you're processing more than $50k/month, reach out for tailored rates. Polar does not offer volume discounts.

Does Suby support the same API features as Polar?

Suby's REST API covers a broader scope: more event types in webhooks, server-to-server auth, custom checkout flows, and Discord/Telegram gating. Polar's API is solid but more limited in feature surface.