{"jtbd":{"id":"ai-merchant-of-record","slug":"ai-merchant-of-record","name":"Sell AI/agent products as Merchant of Record","shortName":"Sell AI/agent products as Merchant of Record","problemStatement":"Need to charge for tokens, agent runs, seats, and credits with global tax/VAT handled — without building Stripe Tax + meters + invoicing yourself."},"pick":{"id":"polar","slug":"polar","name":"Polar","tagline":"Depot pick for ai-merchant-of-record. Prefer Stripe when you already have tax/ops staff; OpenMeter/Kong when…","website":"https://polar.sh","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14 (polar.sh/resources/pricing): Merchant of Record. Starter free at 5%+$0.50/txn; Pro $20/mo + 3.8%+$0.40; Growth $100 + 3.6%+$0.35; Scale $400 + 3.4%+$0.30. Orgs before 2026-05-27 keep Early Member 4%+$0.40 (+0.5% subscriptions). +1.5% international cards. Usage metering for tokens/API/GPU events; LLMStrategy for Vercel AI SDK.","scores":{"capabilityFit":8.4,"pricePerformance":8.2,"latencyReliability":8,"developerDx":9,"privacyPosture":7.8,"lockInRisk":4,"maturity":7.2,"overall":8.05,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},"runnersUp":[{"id":"stripe","slug":"stripe","name":"Stripe","tagline":"Non-negotiable for most commercial agent products. Use Billing meters for token pass-through pricing.","website":"https://stripe.com","overall":8.76,"scoreBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.76,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"Pay-as-you-go payment processing + Billing subscriptions; Connect for marketplaces; Atlas etc.","scores":{"capabilityFit":9.6,"pricePerformance":7.8,"latencyReliability":9.4,"developerDx":9.6,"privacyPosture":8.5,"lockInRisk":6,"maturity":9.8,"overall":8.76,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},{"id":"openmeter","slug":"openmeter","name":"OpenMeter (Kong Konnect Metering)","tagline":"Best when your agent product is an API gateway problem (entitlements + token meters). Orb for pricing…","website":"https://openmeter.io","overall":7.93,"scoreBand":{"low":7.3,"mid":7.9,"high":8.5,"halfWidth":0.6,"basis":"editorial_prior","display":"7.3–8.5 (editorial prior)"},"scoreLayers":{"editorialPrior":7.93,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14: OpenMeter Cloud repositioned as Kong Konnect Metering & Billing — real-time AI/API usage meters, entitlements, rate cards, invoicing. Strong fit for token metering via Kong plugin (meter_ai_token_usage). Pricing via Kong/Konnect packaging.","scores":{"capabilityFit":8.4,"pricePerformance":7.8,"latencyReliability":8.4,"developerDx":8.2,"privacyPosture":8.2,"lockInRisk":5.5,"maturity":8,"overall":7.93,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},{"id":"metronome","slug":"metronome","name":"Metronome","tagline":"Strong usage-billing peer when Orb is too sales-opaque and you need SQL metrics + commits. OpenMeter/Kong for…","website":"https://metronome.com","overall":8,"scoreBand":{"low":7.4,"mid":8,"high":8.6,"halfWidth":0.6,"basis":"editorial_prior","display":"7.4–8.6 (editorial prior)"},"scoreLayers":{"editorialPrior":8,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14 (metronome.com/pricing): Startup — billing volume at 0.8% + events at $0.04/1k ingest; SQL billable metrics, commits/credits, Stripe-native. Custom — Salesforce/NetSuite/cloud marketplace invoicing, warehouse exports, dedicated AM/SLA. Marketing also cites Starter economics around $100k billing volume / 10M events before %/event overages — confirm contract.","scores":{"capabilityFit":9,"pricePerformance":7,"latencyReliability":8.6,"developerDx":8.4,"privacyPosture":7.8,"lockInRisk":5.5,"maturity":8.4,"overall":8,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},{"id":"autumn","slug":"autumn","name":"Autumn","tagline":"Best DX when you already run Stripe and need synchronous feature gates for AI usage. Metronome/Orb for…","website":"https://useautumn.com","overall":7.95,"scoreBand":{"low":7.4,"mid":8,"high":8.6,"halfWidth":0.6,"basis":"editorial_prior","display":"7.4–8.6 (editorial prior)"},"scoreLayers":{"editorialPrior":7.95,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14: Open-source billing infrastructure on top of Stripe — attach/check/track API for subscriptions, usage, credits, entitlements. Stripe still processes payments. Self-host OSS; hosted packaging is productized for AI startups — confirm current hosted $ on docs/dashboard (no classic seat table on homepage).","scores":{"capabilityFit":8,"pricePerformance":8.8,"latencyReliability":7.8,"developerDx":9.2,"privacyPosture":7.5,"lockInRisk":4,"maturity":6.5,"overall":7.95,"kind":"curated_estimate","confidence":"medium","asOf":"2026-09-14"}},{"id":"lemon-squeezy","slug":"lemon-squeezy","name":"Lemon Squeezy","tagline":"MoR peer to Polar/Paddle for digital products. Depot ai-merchant-of-record pick stays Polar for AI…","website":"https://www.lemonsqueezy.com","overall":7.9,"scoreBand":{"low":7.3,"mid":7.9,"high":8.5,"halfWidth":0.6,"basis":"editorial_prior","display":"7.3–8.5 (editorial prior)"},"scoreLayers":{"editorialPrior":7.9,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14 (lemonsqueezy.com/pricing): Merchant of Record at **5% + $0.50**/txn; $0/mo platform fee for ecommerce features. Edge-case adders (intl/PayPal/subscriptions) documented. Email marketing separate by subscriber count (free ≤500).","scores":{"capabilityFit":8,"pricePerformance":7.8,"latencyReliability":8.4,"developerDx":8.6,"privacyPosture":7.6,"lockInRisk":4.5,"maturity":8,"overall":7.9,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},{"id":"paddle","slug":"paddle","name":"Paddle","tagline":"Enterprise-leaning MoR peer. Prefer Polar for AI usage products; Paddle when you want mature SaaS MoR + buyer…","website":"https://www.paddle.com","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14 (paddle.com/pricing): All-in MoR **5% + $0.50** per Checkout txn; no monthly fee. Custom pricing for scale / sub-$10 products / invoicing. Includes tax remittance, fraud, billing support.","scores":{"capabilityFit":8.6,"pricePerformance":7.6,"latencyReliability":8.8,"developerDx":8,"privacyPosture":8,"lockInRisk":5.5,"maturity":9,"overall":8.05,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}}],"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"whyPickOverHigherScore":{"pickId":"polar","pickName":"Polar","pickScore":8.05,"highestScoredCandidateId":"stripe","highestScoredCandidateName":"Stripe","highestScore":8.76,"pickHasLowerCompositeScore":true,"delta":-0.71,"pickLeadsOnDimensions":["pricePerformance (8.2 vs 7.8)","lower lockInRisk (4 vs 6)"],"explanation":"Polar (8.05) is the editorial pick for Sell AI/agent products as Merchant of Record over higher-composite Stripe (8.76) because composite scores are provider-wide priors while Polar wins on pricePerformance (8.2 vs 7.8), lower lockInRisk (4 vs 6): DX + pricePerf + maturity. Polar wins public MoR+usage ladder for AI indie/agent products; Stripe remains payments default."},"cheapest":null,"recommendedWorkloadQuote":null,"representativeQuote":null,"estimatedTaskCost":null,"freeAlternatives":[],"referenceDocs":[],"falsification":{"jtbdId":"ai-merchant-of-record","jtbdName":"Sell AI/agent products as Merchant of Record","currentPickId":"polar","currentPickScore":8.05,"challengerId":"stripe","challengerScore":8.76,"currentScoreGap":0.71,"minVerifiedOutcomes":10,"requiredOutcomeMargin":0.86,"requiredSuccessRateDelta":0.15,"maxPickPriceIncreasePct":25,"whatWouldChangePick":["Stripe (stripe) outperforms Polar (polar) by >= 0.86 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Polar's representative SKU for ai-merchant-of-record without a corresponding capability gain.","Live caller rail exhaustion (?exhausted=polar) or sustained >= 30% degraded/failed rate in verified production outcomes."],"frozenHoldoutPolicy":{"holdoutSplit":"20% frozen benchmark holdout tasks + 80% live production outcome receipts","requireCountersignReceipt":true,"requiredEvidenceTiers":["outcome_verified","reference_checked"],"minDistinctContributors":2,"antiGamingRule":"Unverified self-reports and seed/editorial rows never mutate picks or scores."},"triggers":[{"kind":"verified_outcomes_outperformance","challengerId":"stripe","minVerifiedOutcomes":10,"requiredOutcomeMargin":0.86,"requiredWorkedRateDelta":0.15},{"kind":"verified_price_increase","providerId":"polar","maxPriceIncreasePct":25},{"kind":"live_rail_exhaustion_or_degradation","providerId":"polar","immediateOverrideUrl":"/api/decide?jtbd=ai-merchant-of-record&exhausted=polar"}],"submissionSpec":{"falsifyEndpoint":"/api/falsify?jtbd=ai-merchant-of-record","outcomesEndpoint":"POST /api/feedback","correctionsEndpoint":"POST /api/corrections","payloadTemplate":{"agentIdentity":"agent:<your-agent-id>","jtbdId":"ai-merchant-of-record","providerId":"stripe","outcome":"worked","detail":"Comparative production evaluation on ai-merchant-of-record (n>=10 tasks) with Countersign receipt.","confidence":"high","receipt":{"countersign":{"claim_id":"cs-00000000","status":"verified","evidence_tier":"outcome_verified","counts_as_verified":true}}}}},"whatWouldChangePick":["Stripe (stripe) outperforms Polar (polar) by >= 0.86 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Polar's representative SKU for ai-merchant-of-record without a corresponding capability gain.","Live caller rail exhaustion (?exhausted=polar) or sustained >= 30% degraded/failed rate in verified production outcomes."],"routePlan":{"jtbdId":"ai-merchant-of-record","primary":{"providerId":"polar","name":"Polar","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"primary","reason":"Editorial Depot Pick for Sell AI/agent products as Merchant of Record; healthy/eligible under caller constraints."},"fallback":[{"providerId":"stripe","name":"Stripe","overall":8.76,"scoreBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.76,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."},{"providerId":"openmeter","name":"OpenMeter (Kong Konnect Metering)","overall":7.93,"scoreBand":{"low":7.3,"mid":7.9,"high":8.5,"halfWidth":0.6,"basis":"editorial_prior","display":"7.3–8.5 (editorial prior)"},"scoreLayers":{"editorialPrior":7.93,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."},{"providerId":"metronome","name":"Metronome","overall":8,"scoreBand":{"low":7.4,"mid":8,"high":8.6,"halfWidth":0.6,"basis":"editorial_prior","display":"7.4–8.6 (editorial prior)"},"scoreLayers":{"editorialPrior":8,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."},{"providerId":"autumn","name":"Autumn","overall":7.95,"scoreBand":{"low":7.4,"mid":8,"high":8.6,"halfWidth":0.6,"basis":"editorial_prior","display":"7.4–8.6 (editorial prior)"},"scoreLayers":{"editorialPrior":7.95,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."},{"providerId":"lemon-squeezy","name":"Lemon Squeezy","overall":7.9,"scoreBand":{"low":7.3,"mid":7.9,"high":8.5,"halfWidth":0.6,"basis":"editorial_prior","display":"7.3–8.5 (editorial prior)"},"scoreLayers":{"editorialPrior":7.9,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."},{"providerId":"paddle","name":"Paddle","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Sell AI/agent products as Merchant of Record."}],"disqualified":[],"expectedRegret":{"scoreDeltaVsUnconstrainedPick":0,"unconstrainedPickId":"polar","activePrimaryId":"polar","summary":"0.00 score regret: unconstrained editorial pick satisfies all caller constraints."},"evidenceAgeDays":{"editorialScoreAgeDays":43,"pricingVerifiedAgeDays":0,"editorialPriorAsOf":"2026-09-14","pricingLastVerifiedAt":"2026-10-27"},"confidenceBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"constraintsApplied":false,"constraintBundle":{"task":null,"jtbd":"ai-merchant-of-record","quotaExhausted":[],"degraded":[],"healthy":[],"budgetUsd":null,"maxLatencyMs":null,"region":null,"privacy":null,"exit":[],"existing":[]}},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","tie":false,"scoreGap":-0.71,"decidingFactor":null,"tieNote":null,"rationale":"DX + pricePerf + maturity. 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See GET /api/jtbds/ai-merchant-of-record + GET /api/methodology.","nextActions":[{"step":1,"title":"Inspect full JTBD + embeds","href":"/api/jtbds/ai-merchant-of-record?embed=providers","why":"Confirm pick, runners-up, and methodology notes."},{"step":2,"title":"Quote sourced SKUs","href":"/api/quote?jtbd=ai-merchant-of-record","why":"Depot Pick SKUs plus the cheapest sourced SKU whose unit matches this job. Does not change the pick. Does not blend input and output or borrow a chat rate for a non-chat job."},{"step":3,"title":"Open provider detail","href":"/api/providers/polar","why":"Scores, pricingNotes, strengths/weaknesses, communitySignals (claims only)."},{"step":4,"title":"Cite methodology","href":"/api/methodology","why":"Required when publishing a Depot Pick citation."},{"step":5,"title":"Grab badge SVG","href":"/api/badge?type=depot-pick&jtbd=ai-merchant-of-record","why":"Embed in README / agent passport."},{"step":6,"title":"Post production insight","method":"POST","href":"/api/insights","why":"Unverified until curated; never auto-mutates official scores."}],"honesty":["Do not invent scores or benches.","Insights are claims until curated/reviewed; they never silently mutate official scores.","lockInRisk higher = more lock-in (worse).","normalizedUsdPerMillionTokens is set only for a single sourced token row. Otherwise null, with a machine-readable reason. 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No migration guide was invented."}},"citation":{"text":"Agent Provider Depot (v0.12.152), Depot Pick for ai-merchant-of-record: polar, scores as of 2026-09-14, retrieved 2026-10-27. https://getagentdepot.com/jtbds/ai-merchant-of-record","markdown":"[Agent Provider Depot](https://getagentdepot.com/jtbds/ai-merchant-of-record) (v0.12.152) — Depot Pick for `ai-merchant-of-record`: **polar** (scores as of 2026-09-14, retrieved 2026-10-27)","fields":{"publisher":"Agent Provider Depot","version":"0.12.152","role":"depot_pick","jtbdId":"ai-merchant-of-record","providerId":"polar","scoreAsOf":"2026-09-14","retrievedOn":"2026-10-27","page":"https://getagentdepot.com/jtbds/ai-merchant-of-record","api":"https://getagentdepot.com/api/decide?jtbd=ai-merchant-of-record"},"howToCite":"Cite Depot as an editorial, dated recommendation, not a benchmark: name the job, the Depot Pick (or runner-up), the score asOf date and the day you retrieved it, and link the job page. Format: “Agent Provider Depot (v{version}), Depot Pick for {jobId}: {providerId}, scores as of {scoreAsOf}, retrieved {retrievedOn}. {baseUrl}/jtbds/{jobId}”. Quote prices only with their own sourceUrl and asOf. If the pick's score is stale (freshness.pick.score.stale), say so."},"freshness":{"pick":{"score":{"asOf":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"lastReviewed":{"asOf":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"sourceCheck":{"checkedAt":"2026-10-27","sourceUrls":3,"sourcesReachable":3,"pricingRows":0,"pricingRowsReconfirmed":0,"note":"A source re-check confirms the page is reachable and, for pricing rows, that the stored amount and SKU name appear on it. 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Orgs before 2026-05-27 keep Early Member 4%+$0.40 (+0.5% subscriptions). +1.5% international cards. Usage m…","notesCheck":{"status":"no_known_contradiction","pairs":[],"review":null,"note":null},"lastReviewed":"2026-09-14","scoreAsOf":"2026-09-14","website":"https://polar.sh","doNotParse":"Do not parse pricingNotes. Use rows only. normalizedUsdPerMillionTokens is a single number only when this provider has exactly one sourced token row. Input/output, context tiers, and non-token units stay null at this level.","gap":"No sourced price row for this provider. pricingNotes stay prose. 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