Lovable’s built-in payments let you monetize your web-app with subscriptions and one-time payments.

In practice, you build your app using Lovable, enable Lovable Payments, and the agent handles the infrastructure, including creating accounts, connecting everything, and managing the technical setup, so you can focus on building your product.. From there, you can start accepting payments globally.

Within Lovable Payments, Paddle is available as a Merchant of Record option. When used, it takes on the legal and operational responsibility for transactions, managing payments, billing, tax, and compliance as part of a single system.

There’s no need to manually set up webhooks, billing systems, or tax handling. Everything is configured as part of the flow, so you can move from idea to revenue quickly, and start turning your app into a real business.

This is the first native Merchant of Record integration inside an AI development platform.

Paddle is embedded directly into the Lovable experience, with the agent helping handle account creation, product setup, checkout configuration, and billing logic as part of the build process. This means builders can go from prompt to payments without needing to manually configure a payments stack.

Within Lovable Payments, Paddle is available as a Merchant of Record option. When used, Paddle takes on the legal and operational responsibility for transactions, managing payments, billing, tax, and compliance as part of a single system.

In practice, this removes a significant amount of technical and operational overhead. Builders don’t need to stitch together multiple tools or manage global compliance themselves, making it easier to go from building to monetizing quickly - and to start capturing revenue as soon as their product is live. 

Lovable Payments allows you to start taking payments fast, without needing to set up a separate payments, tax, or billing stack. The time taken depends on a range of factors including your region, whether you are applying as a business or individual, and your product category. But we’ve seen builders go live in as little as 10 minutes! With a Merchant of Record provider like Paddle, these elements are handled together, reducing the amount of configuration required to go live.

This means you can move from building to generating your first revenue without pausing to manage infrastructure. It makes it easier to test ideas, iterate quickly, and start capturing value early ​​without delaying the moment your app becomes a business.

AI-first builders and vibe coders can go from idea to product in hours, but monetization is often where things slow down. Payments, tax, and compliance introduce complexity that sits outside the core product experience. 

AI-native tools have made it possible to go from prompt to product. Lovable Payments extends that to monetization, helping builders move from prompt to payments without additional infrastructure. 

Instead of needing to understand payments infrastructure, tax systems, and compliance rules, builders can enable payments directly inside Lovable and start selling globally, with tax and VAT handled across 200+ markets.

With Paddle as a Merchant of Record, payments, billing, and compliance are managed as part of a single system, while payment performance is continuously optimised to improve acceptance and reduce failed transactions.

Pretty much! The seamless integration of Paddle inside Lovable, means you can prompt most of your payments capabilities. 

For example, you can prompt to:

• Create products and prices, including usage based billing
• Manage free trials
• Localize prices
• Implement a checkout, and style it with brand colours
• Ask questions about customers, transactions and subscriptions
• Action refunds and subscription cancellations
• Build custom dashboards covering transactions, conversion rates, MRR, refunds etc
• Ask natural language questions about your metrics
• More…!

In most cases, no. With Paddle, payments, tax, and compliance are managed together, so there is no need to connect multiple tools or manage separate systems for billing or tax.

If you choose a different approach, such as integrating directly with a PSP, additional setup may be required to ensure you are fully compliant across markets.

A PSP typically handles payment processing only. If you use one directly, you’re responsible for tax registration, compliance in each market, subscription billing logic, and managing fraud or chargebacks.

Using a Merchant of Record provider like Paddle brings these responsibilities together into one system. Instead of stitching together separate tools for payments, tax, billing, and compliance, everything is handled within a unified setup. This can reduce the cost and complexity of running your stack, lower compliance risk, and help ensure more of your revenue successfully converts.

As a Merchant of Record, Paddle takes on the legal and operational complexity of global selling, assuming responsibility for payments, tax and regulatory compliance, fraud prevention, billing management, and buyer support.

If you use a PSP directly, you are typically the Merchant of Record. If you use Paddle, Paddle can take on that role on your behalf.

Selling globally introduces complexity that is not always obvious at the start. Digital product businesses often need to calculate tax in each country, register and file returns across multiple jurisdictions, manage changing regulations, and handle disputes.

With a Merchant of Record model, these responsibilities are handled for you. This reduces operational burden, lowers regulatory risk, and helps avoid costly errors, allowing you to focus on building and growing your product.

No. If you use Paddle as your Merchant of Record. Paddle handles global tax obligations, including VAT, sales tax, and GST, so you don’t need to register or file in multiple jurisdictions.

If you use a PSP directly, those responsibilities remain with you, including tracking thresholds and managing filings.