What is a Merchant of Record?
Definition
/ɛm oʊ ˈɑr/ abbr.- A Merchant of Record (MoR) is a legal entity responsible for selling goods or services to an end customer. They manage all payments and take on the associated liabilities, such as collecting sales tax, ensuring PCI compliance, and honoring refunds and chargebacks.
When you sell software, apps or digital products globally, you face a maze of payments complexities and tax obligations that can drain your resources.
This complication and confusion is a drag on growth, a brake on innovation. And if you wait to solve it, the problem only compounds.
An MoR takes on these important responsibilities by becoming the legal entity responsible for selling your product to customers worldwide.
Instead of building out your own global payments infrastructure and managing tax compliance across the world, the MoR handles everything - from payments management and sales tax to handling refunds, disputes, and dealing with fraud protection.
Why settle for less,
when you can have MoR?
More revenue
Launch into new markets instantly. No need to set up local entities or navigate complex tax regulations. Get paid easily.
More focus
The MoR takes on all payment liabilities, tax compliance, and fraud protection. You just focus on making the best product.
Less complexity
Everything you need to sell online. Payments, currencies, subscription management and metrics, and churn tools. All in one place.
Do MoR, or DIY trying
Paddle is the Merchant of Record (MoR) for SaaS, app and AI companies who want to grow faster globally without the risk and pain and cost and hassle of building your own payment stack.
MoR for SaaS
Sell your SaaS globally immediately without the administrative and financial headaches.
MoR for digital products
The perfect payments partner for digital goods, including e-books and online courses.
MoR for apps
Skip the app store fees and take control of your growth by selling your app on the web.
Paddle gives you MoR
With Paddle, global growth is yours. The risk, compliance and accountability are ours. Here's what's included in your fee.
| MoR | PSP | |
|---|---|---|
| Transaction processing | ||
| Banking network | ||
| Payment methods | ||
| Multiple currencies | ||
| Currency conversion | ||
| Manage subscriptions | ||
| Fraud protection | ||
| Chargeback dispute handling | ||
| Customer billing support | ||
| Global sales tax compliance |
The world needs MoR,
and 5,000+ companies have it
The world's most innovative
companies grow with Paddle.
Discover MoR
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