Merchant of Record & Payments-Provider Selection

Helps choose how to bill global customers for SaaS/digital products: whether to use a Merchant of Record (which absorbs global sales-tax/VAT liability for a higher fee) or a self-managed processor like Stripe (lower fee, but you own tax registration + remittance), and which specific provider fits.

Step 1 — Gather context

If references/learnings.md exists, read it first for accumulated knowledge.

Ask the user (lead with a best-effort answer if they've already told you most of this):

1. What's the decision?
   • A) MoR vs self-managed (Stripe) — the strategic call
   • B) Which MoR — Paddle vs Lemon Squeezy vs FastSpring vs Dodo vs Polar vs Creem vs Gumroad
   • C) Switching providers — is it worth it / how painful
   • D) Tax-compliance worry — VAT/GST/sales-tax nexus and who's liable