Stripe or a merchant of record: the checkout decision

Stripe wins the sticker comparison, 2.9% against 5%-and-up, and loses the real one, because the sticker is not the product. On Stripe you are the merchant of record, which for a solo product with EU customers means VAT from the first sale, quarterly filings, and add-ons that are priced separately. Here is the fee math six ways, with the tax liability each one does or does not take off your plate.