Commercial infrastructure for digital business
Build the product.
We’ll run the business behind it.
Define what you sell and choose how Lernaura supports the business behind it. Use Merchant of Record when Lernaura should be the seller, or Direct when your own company should remain the seller.
Creator, not a developer? Enter Lernaura Creator
- Merchant of Record
- 5% + €0.40 cards3% + €0.40 invoicing
- Direct
- Stay the seller · pricing by conversation
- 100% EU
- European-controlled core data and infrastructure
A startup should not need a finance department before it has a business.
Early sales create contracts, subscriptions, invoices, payment failures, VAT questions and investor metrics. Lernaura keeps them connected from the first customer.
Start selling properly
Define the offer, set the terms and issue the first invoice without assembling a finance stack.
Collect the right way
Cards for fast conversion. Invoices and European bank rails where they are the better fit.
Know the real numbers
MRR, ARR, churn and collection status derived from actual commercial events.
Delegate when it helps
Remain the seller, let Lernaura run collection, or use Lernaura as Merchant of Record.
Choose what you want us to run today.
Your products, customers, contracts, invoices and history stay in place. Only the allocation of work, liability and funds flow changes.
Merchant of Record
Lernaura becomes the seller for Merchant of Record transactions and operates tax, payments, invoicing, collection, disputes and payouts.
Our entityYour product
Direct with Payments
You stay the seller while Lernaura supplies card acceptance and runs collection, reconciliation and dunning around your own account.
Your entityOur machinery
Direct Self-Collect
You are the seller. Invoice through Lernaura and collect into your own bank account; Lernaura maintains the commercial record.
Your entityYour IBAN
Move in either direction. Mix by product, market or customer.
Investor-ready is an operating condition, not a report.
Each number traces back to what was offered, agreed, invoiced and collected. Founders, accountants and investors work from the same evidence chain.
- 01Offer
- 02Contract
- 03Subscription
- 04Invoice
- 05Collection
- 06Ledger
- 07Metrics
Collect each deal the way it should be collected.
A self-serve subscription and an enterprise contract should not be forced through the same checkout. The commercial record stays consistent while the payment method changes.
Illustrative deals
Self-serve subscription
€39 / month
Instant conversionCard
Growth plan
€4,800 / year
Recurring euro collectionSEPA Direct Debit
Enterprise agreement
€24,000 / year
Procurement-readyInvoice and bank transfer
“The commerce model belongs to the customer. The operating mode belongs to the transaction.”
The same commercial rails. No integration required.
Courses, communities, newsletters, coaching, podcasts and digital products in one European creator platform. Build the offer and the audience; Lernaura runs the selling.
What people ask before they start.
- What is a merchant of record — and who is the seller on my sales?
- A merchant of record is the party that is legally the seller on a sale: the name on the invoice, the party that owes the buyer's country its tax, the one who answers the disputes. Which party that is, is your choice. On Merchant of Record it is Lernaura: your buyer sees your brand and your product, and the invoice, the tax, the disputes and the filings are ours. On Direct it is you — you stay the seller of record and keep the tax relationship, and Lernaura runs the billing, the collection and the books around you. You choose between them on the pricing page.
- Who can sell with Lernaura?
- Sellers based in the EU/EEA — companies and sole proprietors selling digital products: software and SaaS, APIs, courses, downloads, memberships. More seller countries are on the way.
- Where can my buyers be?
- Across Europe and North America, with more countries opening on both sides. Every sale is taxed, invoiced and recorded for the buyer's country automatically — consumers always see all-in prices, and business buyers get the tax treatment their VAT ID entitles them to.
- What does it cost?
- It depends on who should be the seller. On Merchant of Record, Lernaura is the seller and the rate depends on the payment method — one service at a card rate and an invoicing rate. On Direct, your company is the seller of record and pricing is agreed individually. The pricing page lays out both.
- How do payouts work?
- One clean payout in your currency — weekly or monthly, in six payout currencies, over local rails. One line in your bank statement, one counterparty for your accountant, and no tax hiding inside the number: what lands is yours.
- Is my data really EU-sovereign?
- Yes. Your data never leaves Europe, in any form, and there is no hyperscaler anywhere in the stack — no AWS, no Azure, no Google behind the curtain. European hardware, European AI, European payments, European ownership of your data end to end.
- Can my coding agent really do the integration?
- Yes — that is how Lernaura is built. Connect your agent to the Lernaura MCP server and it can create a sandbox in one call, set up products, run a checkout end to end and prove the integration against the sandbox's virtual clock. When it works, one human claims the account and verifies the business. The sandbox is open to everyone today; production access is rolling out to design partners first.
- I'm a creator, not a developer — is lernaura for me?
- Yes. Lernaura Creator is our free creator platform — courses, communities, newsletters, coaching, live — with selling handled by the same engine. No integration needed: sign up and start building. The features page has the full tour.