Everything between “buyer pays” and “money in your bank” — behind one API.
lernaura Rails is a European merchant of record you reach through one API. On every sale, lernaura is legally the seller — so tax and compliance in the buyer's country, invoices, failed payments, collection, FX and chargebacks are our problem, not your roadmap. Your buyer sees your brand; the obligations sit with us.
You get one clean payout in your currency and one number for your accountant. 5% + €0.50 per sale, all-in — payment processing, tax, invoicing, disputes and payouts included. No platform fee, no minimums.
Start now: create a sandbox with a single call — no signup — or point your coding agent at the quickstart and let it build the integration for you.
What you integrate
One API that makes lernaura the legal seller on your transactions, so cross-border selling stops generating admin. You keep your product, your brand and your customer relationship; what's left on your side is the bookkeeping system you already have — and your actual job.
On every sale, the rail handles:
- Merchant of record — lernaura is legally the seller, so tax in the buyer's country, compliant invoices, refunds, chargebacks and collection sit with us. Borders stop existing in your books. Everything we handle, item by item →
- Payments, your customers' way — cards, wallets and local payment methods, or classic invoice-based billing for B2B — subscriptions and renewals running either way, failed payments recovered.
- Compliance that keeps moving — EU platform and payment rules change every year. Tracking them and shipping the changes is our job, not a line on your roadmap.
- Payouts, cleanly — money in your bank, in your currency, weekly or monthly, in 6 currencies. One line per payout; one number on your tax return.
- Sovereign by construction — your data and your buyers' data never leave Europe. For public sector and regulated buyers, that's a deal-winner you get without doing anything.
It's the same engine that runs lernaura Creator in production today — proven on real sales, not a separate beta.
Outsource the back office. Keep it sovereign.
Handing someone your back office means handing them your revenue data, your customer data and your money flows — so who you hand it to is the whole question. With lernaura the answer is 100% European: your data never leaves the EU, in any form, and there's no hyperscaler in the stack.
For many of your buyers that's a preference. For public sector, regulated industries and sovereignty-conscious enterprise it's a requirement no US-owned provider can meet — one more deal you win without doing anything. The full stack, layer by layer, is on the sovereignty page.
We earn when you earn
5% + €0.50 per sale, all-in — payment processing, tax, invoicing, disputes and payouts included. No setup fee, no platform fee, no minimums. Same at any scale: the rate is the rate whether you do €500 or €500k a month.
Against the merchant-of-record incumbents
An honest side-by-side against the MoR services a SaaS vendor actually evaluates — not the creator tools.
| lernaura | Paddle | Lemon Squeezy | Stripe (+ tax) | |
|---|---|---|---|---|
| Headline rate | 5% + €0.50 | 5% + €0.50 | 5% + €0.50 | 2.9% + €0.30 + Stripe Tax |
| Merchant of record | Yes | Yes | Yes | No (you stay MoR) |
| EU VAT / OSS / IOSS | Included | Included | Included | Calc only; you file |
| DAC7 + DSA seller verification | Included | Partial | Partial | No |
| Subject to US jurisdiction | No | Yes | Yes (Stripe-owned) | Yes |
| Data on EU-owned hardware | Yes | EU region of US cloud | EU region of US cloud | EU region of US cloud |
| Public headless API | Yes — sandbox in one call | Yes | Yes | Yes |
| Settlement routed through US networks | No | Yes | Yes | Yes |
| When procurement asks the US-jurisdiction question | It doesn't arise | It depends | It depends | It depends |
Same job, same price. What you gain is the part the incumbents can't change: an EU-owned rail your buyers' procurement can sign off without a footnote — and a sandbox you can try before lunch.
Developer FAQ
- When can I integrate?
- Today. Create a sandbox with a single call — no signup — and build against the full platform with real API keys. When it works, claim the account and verify your business in a single session; production access is rolling out to design partners first.
- Is it really the same rail as the creator platform?
- Yes. lernaura Creator is one front-end onto this engine; the API is another. Same merchant-of-record logic, same tax engine, same settlement — proven on real sales in production.
- Why 5% + €0.50 and not cheaper?
- Because it's all-in. The rate covers payment processing, tax calculated, collected and filed, invoicing, disputes, recovery and payouts — the whole department you'd otherwise assemble. No platform fee, no minimums; we only earn when you sell. The flat €0.50 means very small tickets carry a higher effective rate — worth checking against your price points.
- What exactly makes you 'sovereign' where an EU region of a US cloud isn't?
- Ownership and jurisdiction, not the location of the bytes. Your data lives on European-owned infrastructure, operated by a European company, with payments under EU licence — so the US-jurisdiction question your buyers' procurement asks doesn't arise. The full stack, layer by layer, is on the sovereignty page.
- What does integration look like?
- A REST API plus webhooks — products, checkout, subscriptions, usage billing. Or skip the reading: connect your coding agent to our MCP server and it discovers the platform, creates a sandbox and builds the integration for you. The sandbox has a virtual clock and simulated payments, so you can prove a year of renewals, failed cards and disputes in minutes before you ship.