Are there any SaaS services that take care of hosting, selling, billing etc that small bands can use? May be the SaaS app can take 10% of the sales or something

Are there any SaaS services that take care of hosting, selling, billing etc that small bands can use? May be the SaaS app can take 10% of the sales or something like that (like udemy, but for music)? If there are, what are the reasons the smaller bands aren't using them? If at the end, Apple/Google/Amazon/Microsoft replace the record labels and become the new overlords of music, then nothing much has changed, right?