Quick verdict
Use Stripe when you want maximum flexibility. Consider Paddle when merchant-of-record handling matters more.
Best for
- Stripe: custom billing and credit systems
- Paddle: SaaS teams that want tax handling simplified
Watch out for
- AI usage billing needs clear customer-facing cost rules
- Keep customer UI focused on billed usage
Recommended stack
Stripe or Paddle
PostHog
SilkRouter prepaid AI usage
Where SilkRouter fits
Your hosting, CRM, email, and automation tools should not force one model provider forever. SilkRouter gives AI startups one API for supported AI models, so routing and spend visibility can live in one place.
One API For All AI Models