bro, just use Paddle, it's a MOR
Stripe has no real competitor.
Polar.sh is another one.
The thing you're talking about with Paddle is just checking you're not selling offline, physical stuff.
EDIT: Yup. Via their pricing page:
Polar is currently built on Stripe, and we cover their 2.9% + 30¢ fee from ours. However, they impose a few additional fees for certain transactions that we need to pass on.[0]: https://help.mollie.com/hc/en-us/articles/115002116105-Can-I...