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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=5"/><link rel="stylesheet" href="/_next/static/css/966d842530d1c8ec.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/2485533cca75e344.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/97e63c4ebc446502.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/b581accc8ea71d19.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/4a1705247ae0d08f.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/0a4ec652d6028205.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/0688ebee5b0037e1.css" crossorigin="anonymous" data-precedence="next"/><link rel="stylesheet" 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crossorigin=""></script><script src="/_next/static/chunks/710-6d7185c5ea79f913.js" async="" crossorigin=""></script><script src="/_next/static/chunks/app/layout-52c8b265a1b827f9.js" async="" crossorigin=""></script><script src="/_next/static/chunks/3093-a2bed0827d170ccc.js" async="" crossorigin=""></script><script src="/_next/static/chunks/app/blog/%5Buid%5D/page-d89f1c557de4c63a.js" async="" crossorigin=""></script><link rel="preload" href="https://js.hsforms.net/forms/v2.js" as="script"/><title>What is a merchant of record (MoR) + why use one for payments and sales tax?</title><meta name="description" content="A merchant of record offers businesses an alternative to building your own payments stack, so you can focus on crafting your product and winning customers, rather than on the mechanics of how you get paid."/><meta name="robots" content="index"/><link rel="canonical" href="https://www.paddle.com/blog/what-is-merchant-of-record"/><meta property="og:title" content="What is a merchant of record (MoR) + why use one for payments and sales tax?"/><meta property="og:description" content="A merchant of record offers businesses an alternative to building your own payments stack, so you can focus on crafting your product and winning customers, rather than on the mechanics of how you get paid."/><meta property="og:image" content="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format,compress"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="What is a merchant of record (MoR) + why use one for payments and sales tax?"/><meta name="twitter:description" content="A merchant of record offers businesses an alternative to building your own payments stack, so you can focus on crafting your product and winning customers, rather than on the mechanics of how you get paid."/><meta name="twitter:image" content="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format,compress"/><script src="/_next/static/chunks/polyfills-42372ed130431b0a.js" crossorigin="anonymous" noModule=""></script></head><body><div class="toast_toast__fPqrx"><span class="toast_badge__yqt9c">Event</span><p>Happy Hour: Mastering pricing localization</p><a target="_blank" rel="noreferrer" href="https://www.paddle.com/events/happy-hour-2024?utm_medium=website&utm_source=website-banner&utm_campaign=webinars_fy2024_q4_core_paddle_happy_hour_webinar_series&utm_content=homepage-banner">Join us live</a></div><header class="site-header_header__htelx" role="navigation"><div class="site-header_header__inner__r_ALw"><a class="site-header_header__logo__9ParL" href="https://www.paddle.com/"><img alt="Paddle logo" loading="lazy" width="105" height="32" decoding="async" data-nimg="1" style="color:transparent" src="/_next/static/media/logo-primary.1520b460.svg"/></a><nav class="header-nav_header__nav__5cJdU"><div class="header-item_headerItem__wVK6h"><span>Products</span><div class="header-item_headerItem_menu__DS1Xs"><div class="header-item_headerItem_menu_main__UB2_i"><div class="header-item_headerItem_menu_group__oopjW"><a class="dropdown-link_dropdownLink__PKOtW dropdown-link_dropdownLink_product___bBJ0" href="https://www.paddle.com/profitwell-metrics"><img alt="ProfitWell Metrics Logo" loading="lazy" width="65" height="64" decoding="async" data-nimg="1" class="dropdown-link_icon__cCQEw dropdown-link_productIcon__J4nKs" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-metrics.16a62558.png&w=96&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-metrics.16a62558.png&w=256&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-metrics.16a62558.png&w=256&q=75"/><div class="dropdown-link_title__R3_MG"><h5>ProfitWell Metrics</h5><span class="dropdown-link_productBadge__LZMMl">Free</span></div><p class="dropdown-link_description__mtVj_">Real-time subscription analytics, 100% free</p></a><a class="dropdown-link_dropdownLink__PKOtW dropdown-link_dropdownLink_product___bBJ0" href="https://www.paddle.com/price-intelligently"><img alt="Price Intelligently Logo" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" class="dropdown-link_icon__cCQEw dropdown-link_productIcon__J4nKs" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-price-intelligently.2b457748.png&w=64&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-price-intelligently.2b457748.png&w=128&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-price-intelligently.2b457748.png&w=128&q=75"/><div class="dropdown-link_title__R3_MG"><h5>Price Intelligently</h5></div><p class="dropdown-link_description__mtVj_">Pricing strategies to accelerate your subscriptions growth</p></a><a class="dropdown-link_dropdownLink__PKOtW dropdown-link_dropdownLink_product___bBJ0" href="https://www.paddle.com/retain"><img alt="Retain Logo" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" class="dropdown-link_icon__cCQEw dropdown-link_productIcon__J4nKs" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-retain.168fdfde.png&w=64&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-retain.168fdfde.png&w=128&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-retain.168fdfde.png&w=128&q=75"/><div class="dropdown-link_title__R3_MG"><h5>Retain</h5></div><p class="dropdown-link_description__mtVj_">Radically reduce churn, automatically</p></a></div><div class="header-item_headerItem_menu_group__oopjW"><div class="header-item_headerItem_group_LogoTitle__EjEtE"><a href="https://www.paddle.com/billing"><img alt="Paddle Billing Logo" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=64&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=128&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=128&q=75"/><h5>Billing</h5></a></div><div class="header-item_headerItem_group_Description__MuwBz"><p>The only complete merchant of record solution purpose-built for SaaS businesses</p></div><div class="header-item_subGroup__1f2ly"><img alt="Billing icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=64&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=128&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Ficon-billing.c26661e1.png&w=128&q=75"/><div><h5>Billing</h5><p>The only complete merchant of record solution purpose-built for SaaS businesses</p><a href="https://www.paddle.com/billing" class="button_button__se8uC button_button--secondary__1tzjB button_button--s__wGjYP" data-component-name="Button" data-component-variant-name="Button - Secondary" role="button"><span>Explore all features</span></a><a class="header-item_subGroup__cover__cFYz4" href="https://www.paddle.com/billing"></a></div></div><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/checkout"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M10,30H4a2,2,0,0,1-2-2V16a2,2,0,0,1,2-2h6a2,2,0,0,1,2,2V28A2,2,0,0,1,10,30ZM4,16V28h6V16Z"></path><path d="M28,4H6A2,2,0,0,0,4,6v6H6V6H28V20H14v2h2v4H14v2h9V26H18V22H28a2,2,0,0,0,2-2V6A2,2,0,0,0,28,4Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Checkout</h6></div><p class="dropdown-link_description__mtVj_">High performance, localized checkout for SaaS</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/subscriptions"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M12 10H6.78A11 11 0 0127 16h2A13 13 0 006 7.68V4H4v8h8zM20 22h5.22A11 11 0 015 16H3a13 13 0 0023 8.32V28h2V20H20z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Subscriptions</h6></div><p class="dropdown-link_description__mtVj_">Flexible, multi-product subscriptions</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/payments"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M21,12V10H17V7H15v3H13a2.002,2.002,0,0,0-2,2v3a2.002,2.002,0,0,0,2,2h6v3H11v2h4v3h2V22h2a2.0023,2.0023,0,0,0,2-2V17a2.002,2.002,0,0,0-2-2H13V12Z"></path><path d="M16,4A12,12,0,1,1,4,16,12.0353,12.0353,0,0,1,16,4m0-2A14,14,0,1,0,30,16,14.0412,14.0412,0,0,0,16,2Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Payments</h6></div><p class="dropdown-link_description__mtVj_">All-in-one payment tools</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/tax-and-compliance"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M16,2A14,14,0,1,0,30,16,14,14,0,0,0,16,2ZM28,15H22A24.26,24.26,0,0,0,19.21,4.45,12,12,0,0,1,28,15ZM16,28a5,5,0,0,1-.67,0A21.85,21.85,0,0,1,12,17H20a21.85,21.85,0,0,1-3.3,11A5,5,0,0,1,16,28ZM12,15a21.85,21.85,0,0,1,3.3-11,6,6,0,0,1,1.34,0A21.85,21.85,0,0,1,20,15Zm.76-10.55A24.26,24.26,0,0,0,10,15h-6A12,12,0,0,1,12.79,4.45ZM4.05,17h6a24.26,24.26,0,0,0,2.75,10.55A12,12,0,0,1,4.05,17ZM19.21,27.55A24.26,24.26,0,0,0,22,17h6A12,12,0,0,1,19.21,27.55Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Tax & compliance</h6></div><p class="dropdown-link_description__mtVj_">Eliminate sales tax headaches with full, automatic global tax compliance</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/invoicing"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M30 23H24a2.0023 2.0023 0 01-2-2V11a2.002 2.002 0 012-2h6v2H24V21h6zM18 23H14a2.0023 2.0023 0 01-2-2V11a2.002 2.002 0 012-2h4a2.002 2.002 0 012 2V21A2.0023 2.0023 0 0118 23zM14 11V21h4V11zM6 23H2V9H6a4.0045 4.0045 0 014 4v6A4.0045 4.0045 0 016 23zM4 21H6a2.002 2.002 0 002-2V13a2.002 2.002 0 00-2-2H4z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Invoicing</h6></div><p class="dropdown-link_description__mtVj_">Recurring, automated B2B billing</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/billing/fraud-protection"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M14 16.59L11.41 14 10 15.41 14 19.41 22 11.41 20.59 10 14 16.59z"></path><path d="M16,30,9.8242,26.7071A10.9818,10.9818,0,0,1,4,17V4A2.0021,2.0021,0,0,1,6,2H26a2.0021,2.0021,0,0,1,2,2V17a10.9818,10.9818,0,0,1-5.8242,9.7071ZM6,4V17a8.9852,8.9852,0,0,0,4.7656,7.9423L16,27.7333l5.2344-2.791A8.9852,8.9852,0,0,0,26,17V4Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Fraud protection</h6></div><p class="dropdown-link_description__mtVj_">Reduce your risk with fraud prevention & protection</p></a></div></div><div class="header-item_headerItem_menu_side__xlIo2"><div class="header-item_sideGroup__tHGAm"><a href="https://www.paddle.com/events/webinars/unleashing-black-friday-success?utm_medium=website&utm_source=website-banner&utm_campaign=webinars_fy2024_q4_core_paddle_happy_hour_webinar_series&utm_content=top-page-banner" class="header-item_sideGroup_ContentPromotion__DUsvO"><img alt="Boost your sales by up to 7X: Proven Black Friday tactics for software companies" loading="lazy" width="1200" height="628" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpromo-products.d6d02b69.jpg&w=1200&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpromo-products.d6d02b69.jpg&w=3840&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpromo-products.d6d02b69.jpg&w=3840&q=75"/></a><div><a href="https://www.paddle.com/integrations" class="header-item_sideGroup_Link__4UvMg ">Integrations </a><a href="https://developer.paddle.com/build/overview" class="header-item_sideGroup_Link__4UvMg header-item_sideGroup_Link_external__u_tdy" target="_blank">Quickstart guide <svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M10 6L10 8 22.59 8 6 24.59 7.41 26 24 9.41 24 22 26 22 26 6 10 6z"></path></svg></a><a href="https://developer.paddle.com" class="header-item_sideGroup_Link__4UvMg header-item_sideGroup_Link_external__u_tdy" target="_blank">Dev docs <svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M10 6L10 8 22.59 8 6 24.59 7.41 26 24 9.41 24 22 26 22 26 6 10 6z"></path></svg></a><a href="https://sandbox-login.paddle.com/signup" class="header-item_sideGroup_Link__4UvMg header-item_sideGroup_Link_external__u_tdy" target="_blank">Billing sandbox <svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M10 6L10 8 22.59 8 6 24.59 7.41 26 24 9.41 24 22 26 22 26 6 10 6z"></path></svg></a></div></div></div></div></div><div class="header-item_headerItem__wVK6h"><span>Solutions</span><div class="header-item_headerItem_menu__DS1Xs"><div class="header-item_headerItem_menu_main__UB2_i"><div class="header-item_headerItem_menu_group__oopjW"><div class="header-item_headerItem_group_Description__MuwBz"><p>Use cases</p></div><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/launch"><div></div><div class="dropdown-link_title__R3_MG"><h6>Launch your SaaS business</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/selling-globally"><div></div><div class="dropdown-link_title__R3_MG"><h6>Sell your SaaS globally</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/self-serve"><div></div><div class="dropdown-link_title__R3_MG"><h6>Introduce product-led growth</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/revenue-data"><div></div><div class="dropdown-link_title__R3_MG"><h6>Unify your revenue data</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/investment-ready"><div></div><div class="dropdown-link_title__R3_MG"><h6>Prepare for funding, IPO or exit</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/paddle-for-games"><div></div><div class="dropdown-link_title__R3_MG"><h6>Paddle for games</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/solutions/web-stores"><div></div><div class="dropdown-link_title__R3_MG"><h6>Web stores</h6></div></a></div><div class="header-item_headerItem_menu_group__oopjW"><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/partners"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M8 9a4 4 0 114-4A4 4 0 018 9zM8 3a2 2 0 102 2A2 2 0 008 3zM24 9a4 4 0 114-4A4 4 0 0124 9zm0-6a2 2 0 102 2A2 2 0 0024 3zM26 30H22a2 2 0 01-2-2V21h2v7h4V19h2V13a1 1 0 00-1-1H20.58L16 20l-4.58-8H5a1 1 0 00-1 1v6H6v9h4V21h2v7a2 2 0 01-2 2H6a2 2 0 01-2-2V21a2 2 0 01-2-2V13a3 3 0 013-3h7.58L16 16l3.42-6H27a3 3 0 013 3v6a2 2 0 01-2 2v7A2 2 0 0126 30z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Partner with Paddle</h6></div><p class="dropdown-link_description__mtVj_">Let's work together to help more founders scale faster</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/ai-launchpad"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path stroke-width="0" d="M4 19L4 21 8.5859 21 2 27.5859 3.4141 29 10 22.4141 10 27 12 27 12 19 4 19z"></path><path stroke-width="0" d="m27,19c1.6543,0,3-1.3457,3-3s-1.3457-3-3-3c-1.302,0-2.4016.8384-2.8157,2h-5.7703l7.3008-7.3008c.3911.1875.8235.3008,1.2852.3008,1.6543,0,3-1.3457,3-3s-1.3457-3-3-3-3,1.3457-3,3c0,.4619.1135.894.3005,1.2852l-8.3005,8.3008v-6.5859c0-1.1025.897-2,2-2h2v-2h-2c-1.2002,0-2.2661.5425-3,1.3823-.7339-.8398-1.7998-1.3823-3-1.3823h-1c-4.9624,0-9,4.0371-9,9v4h2v-3h3c1.6543,0,3-1.3457,3-3v-2h-2v2c0,.5518-.4487,1-1,1h-2.9202c.4878-3.3867,3.4006-6,6.9202-6h1c1.103,0,2,.8975,2,2v4h-2v2h2v10c0,2.2056,1.7944,4,4,4h2v-2h-2c-1.1028,0-2-.8975-2-2v-6.5859l8.3005,8.3008c-.187.3911-.3005.8232-.3005,1.2852,0,1.6543,1.3457,3,3,3s3-1.3457,3-3-1.3457-3-3-3c-.4617,0-.894.1133-1.2852.3008l-7.3008-7.3008h5.7703c.4141,1.1616,1.5137,2,2.8157,2Zm0-4c.5513,0,1,.4482,1,1s-.4487,1-1,1-1-.4482-1-1,.4487-1,1-1Zm0-11c.5515,0,1,.4487,1,1s-.4485,1-1,1-1-.4487-1-1,.4485-1,1-1Zm0,22c.5515,0,1,.4487,1,1s-.4485,1-1,1-1-.4487-1-1,.4485-1,1-1Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>AI Launchpad</h6></div><p class="dropdown-link_description__mtVj_">Unlock the full potential of your AI business in 6 weeks</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/in-app-purchase"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M22,4H10A2.002,2.002,0,0,0,8,6V28a2.0023,2.0023,0,0,0,2,2H22a2.0027,2.0027,0,0,0,2-2V6A2.0023,2.0023,0,0,0,22,4Zm0,2,0,2H10V6ZM10,28V10H22l0,18Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>In-app purchase<span class="dropdown-link_badge__eyMex">Coming Soon</span></h6></div><p class="dropdown-link_description__mtVj_">Join the waiting list</p></a></div></div><div class="header-item_headerItem_menu_side__xlIo2"><div class="header-item_sideGroup__tHGAm"><div class="header-item_sideGroup_Split__i3DUW"><a href="https://www.paddle.com/customers" class="header-item_split_Link__jUVAw"><h6>vidyo.ai</h6><p>$100K in new revenue in the first 30 days</p></a><a href="https://www.paddle.com/customers" class="header-item_split_Link__jUVAw"><h6>Kaleido</h6><p>Launching and scaling across 181 countries</p></a></div><div class="header-item_sideGroup_Links__GlKNG"><a href="https://www.paddle.com/customers" class="header-item_sideGroup_Link__4UvMg ">All customer stories </a></div></div></div></div></div><a class="header-item_headerItem__wVK6h" href="https://www.paddle.com/pricing">Pricing</a><div class="header-item_headerItem__wVK6h"><span>Developers</span><div class="header-item_headerItem_menu__DS1Xs"><div class="header-item_headerItem_menu_main__UB2_i"><div class="header-item_headerItem_menu_group__oopjW"><a class="dropdown-link_dropdownLink__PKOtW" href="https://developer.paddle.com" target="_blank"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M31 16L24 23 22.59 21.59 28.17 16 22.59 10.41 24 9 31 16zM1 16L8 9 9.41 10.41 3.83 16 9.41 21.59 8 23 1 16z"></path><path d="M5.91 15H26.080000000000002V17H5.91z" transform="rotate(-75 15.996 16)"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Dev docs</h6></div><p class="dropdown-link_description__mtVj_">Get started with Paddle Billing</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://new.paddle.com"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M24 24v2h2.4592A5.94 5.94 0 0122 28a6.0066 6.0066 0 01-6-6H14a7.9841 7.9841 0 0014 5.2651V30h2V24zM22 14a8.04 8.04 0 00-6 2.7349V14H14v6h6V18H17.5408A5.94 5.94 0 0122 16a6.0066 6.0066 0 016 6h2A8.0092 8.0092 0 0022 14z"></path><path d="M12,28H6V24H8V22H6V17H8V15H6V10H8V8H6V4H24v8h2V4a2,2,0,0,0-2-2H6A2,2,0,0,0,4,4V8H2v2H4v5H2v2H4v5H2v2H4v4a2,2,0,0,0,2,2h6Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Changelog</h6></div><p class="dropdown-link_description__mtVj_">Stay updated on everything we ship</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://sandbox-login.paddle.com/signup" target="_blank"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M28.2261,22.812a13.9664,13.9664,0,0,0,0-13.624L28.4141,9a2.0021,2.0021,0,0,0,0-2.8281l-2.5857-2.586a2.0028,2.0028,0,0,0-2.8284,0l-.1877.1875a13.9687,13.9687,0,0,0-13.6243,0L9,3.5859a2.0024,2.0024,0,0,0-2.8284,0L3.5859,6.1719A2.0021,2.0021,0,0,0,3.5859,9l.1878.1875a13.97,13.97,0,0,0,0,13.625L3.5859,23a2.0021,2.0021,0,0,0,0,2.8281l2.5857,2.586a2.0021,2.0021,0,0,0,2.8284,0l.188-.188a13.9687,13.9687,0,0,0,13.6243.0005L23,28.4141a2.0021,2.0021,0,0,0,2.8284,0l2.5857-2.586a2.0021,2.0021,0,0,0,0-2.8281ZM28,16a11.973,11.973,0,0,1-1.2546,5.3315l-3.8948-3.895a6.9808,6.9808,0,0,0,0-2.873l3.8948-3.895A11.973,11.973,0,0,1,28,16ZM27,7.5859l-4.9346,4.9346A7.0434,7.0434,0,0,0,19.48,9.9346L24.4143,5ZM16,21a5,5,0,1,1,5-5A5.0057,5.0057,0,0,1,16,21ZM21.3154,5.2705,17.4365,9.1494a6.9808,6.9808,0,0,0-2.873,0L10.6846,5.2705A12.2484,12.2484,0,0,1,21.3154,5.2705ZM7.5859,5l4.9346,4.9346a7.0449,7.0449,0,0,0-2.5859,2.5859L5,7.5859ZM4,16a11.9716,11.9716,0,0,1,1.2546-5.3311l3.8948,3.8946a6.9808,6.9808,0,0,0,0,2.873L5.2546,21.3311A11.9716,11.9716,0,0,1,4,16ZM7.5857,27,5,24.4141,9.9346,19.48a7.0434,7.0434,0,0,0,2.5859,2.5859Zm3.0989-.27,3.8789-3.8789a6.9808,6.9808,0,0,0,2.873,0L21.3154,26.73A12.2484,12.2484,0,0,1,10.6846,26.73Zm13.73.27L19.48,22.0654A7.0449,7.0449,0,0,0,22.0654,19.48L27,24.4141Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Developer sandbox</h6></div><p class="dropdown-link_description__mtVj_">Start exploring</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://developer.paddle.com/api-reference/overview"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M19 10H26V12H19zM19 15H26V17H19zM19 20H26V22H19z"></path><path d="M28,5H4A2.002,2.002,0,0,0,2,7V25a2.0023,2.0023,0,0,0,2,2H28a2.0027,2.0027,0,0,0,2-2V7A2.0023,2.0023,0,0,0,28,5ZM4,7H15V25H4ZM17,25V7H28l.002,18Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>API reference</h6></div><p class="dropdown-link_description__mtVj_">Setup and maintain your data</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://security.paddle.com" target="_blank"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M14 16.59L11.41 14 10 15.41 14 19.41 22 11.41 20.59 10 14 16.59z"></path><path d="M16,30,9.8242,26.7071A10.9818,10.9818,0,0,1,4,17V4A2.0021,2.0021,0,0,1,6,2H26a2.0021,2.0021,0,0,1,2,2V17a10.9818,10.9818,0,0,1-5.8242,9.7071ZM6,4V17a8.9852,8.9852,0,0,0,4.7656,7.9423L16,27.7333l5.2344-2.791A8.9852,8.9852,0,0,0,26,17V4Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Security portal</h6></div><p class="dropdown-link_description__mtVj_">Data privacy, transparency, and access</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://status.paddle.com" target="_blank"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 16 16" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M7.5 1H8.5V3.5H7.5z"></path><path d="M10.8 3.4H13.3V4.4H10.8z" transform="rotate(-45.001 12.074 3.922)"></path><path d="M12.5 7.5H15V8.5H12.5z"></path><path d="M11.6 10.8H12.6V13.3H11.6z" transform="rotate(-45.001 12.077 12.075)"></path><path d="M7.5 12.5H8.5V15H7.5z"></path><path d="M2.7 11.6H5.2V12.6H2.7z" transform="rotate(-45.001 3.929 12.078)"></path><path d="M1 7.5H3.5V8.5H1z"></path><path d="M3.4 2.7H4.4V5.2H3.4z" transform="rotate(-45.001 3.926 3.925)"></path><path d="M8,6c1.1,0,2,0.9,2,2s-0.9,2-2,2S6,9.1,6,8S6.9,6,8,6 M8,5C6.3,5,5,6.3,5,8s1.3,3,3,3s3-1.3,3-3S9.7,5,8,5z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Platform status</h6></div><p class="dropdown-link_description__mtVj_">See if everything is running as it should be</p></a></div><div class="header-item_headerItem_menu_group__oopjW"><div class="header-item_headerItem_group_Description__MuwBz"><p>Quick start guides</p></div><a class="dropdown-link_dropdownLink__PKOtW" href="https://developer.paddle.com/build/products/create-products-prices"><div></div><div class="dropdown-link_title__R3_MG"><h6>Create your first product</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://developer.paddle.com/build/invoices/create-issue-invoices"><div></div><div class="dropdown-link_title__R3_MG"><h6>Issue an invoice</h6></div></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://developer.paddle.com/build/checkout/build-overlay-checkout"><div></div><div class="dropdown-link_title__R3_MG"><h6>Connect a checkout</h6></div></a></div></div><div class="header-item_headerItem_menu_side__xlIo2"><div class="header-item_sideGroup__tHGAm"><a href="https://developer.paddle.com/changelog/overview" class="header-item_sideGroup_Callout___dzxF"><div class="header-item_callout__sNts6"><div class="header-item_callout_titleBadge__wGQvH"><span class="badge_badge__gMBZ0 badge_badge_small__mn_fe badge_badge_loud__cLDog ">New</span>Paddle Billing</div><p class="header-item_callout_body__HV3ho">Our new set of developer-friendly subscription billing APIs with feature enhancements and functionality improvements focused on helping you accelerate your growth and streamline your operations. </p></div></a><div><a href="https://developer.paddle.com/build/overview" class="header-item_sideGroup_Link__4UvMg ">Billing quickstart guide </a><a href="https://developer.paddle.com" class="header-item_sideGroup_Link__4UvMg header-item_sideGroup_Link_external__u_tdy" target="_blank">Developer docs <svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M10 6L10 8 22.59 8 6 24.59 7.41 26 24 9.41 24 22 26 22 26 6 10 6z"></path></svg></a><a href="https://sandbox-login.paddle.com/signup" class="header-item_sideGroup_Link__4UvMg header-item_sideGroup_Link_external__u_tdy" target="_blank">Billing sandbox <svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M10 6L10 8 22.59 8 6 24.59 7.41 26 24 9.41 24 22 26 22 26 6 10 6z"></path></svg></a></div></div></div></div></div><div class="header-item_headerItem__wVK6h"><span>Resources</span><div class="header-item_headerItem_menu__DS1Xs"><div class="header-item_headerItem_menu_main__UB2_i"><div class="header-item_headerItem_menu_group__oopjW"><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/blog"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M4 24H14V26H4zM4 18H14V20H4zM26 14H6a2 2 0 01-2-2V6A2 2 0 016 4H26a2 2 0 012 2v6A2 2 0 0126 14zM6 6v6H26V6zM26 28H20a2 2 0 01-2-2V20a2 2 0 012-2h6a2 2 0 012 2v6A2 2 0 0126 28zm-6-8v6h6V20z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Blog</h6></div><p class="dropdown-link_description__mtVj_">The latest SaaS insights, opinions and news</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/customers"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M22.45,6a5.47,5.47,0,0,1,3.91,1.64,5.7,5.7,0,0,1,0,8L16,26.13,5.64,15.64a5.7,5.7,0,0,1,0-8,5.48,5.48,0,0,1,7.82,0L16,10.24l2.53-2.58A5.44,5.44,0,0,1,22.45,6m0-2a7.47,7.47,0,0,0-5.34,2.24L16,7.36,14.89,6.24a7.49,7.49,0,0,0-10.68,0,7.72,7.72,0,0,0,0,10.82L16,29,27.79,17.06a7.72,7.72,0,0,0,0-10.82A7.49,7.49,0,0,0,22.45,4Z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Customer stories</h6></div><p class="dropdown-link_description__mtVj_">Learn how software businesses grow faster with Paddle</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/studios"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M13 15L13 23 13 23 20 19 13 15z"></path><path d="M26 28H6a2.0021 2.0021 0 01-2-2V12a2.0021 2.0021 0 012-2H26a2.0021 2.0021 0 012 2V26A2.0021 2.0021 0 0126 28zM6 12V26H26V12zM6 6H26V8H6zM8 2H24V4H8z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Paddle Studios</h6></div><p class="dropdown-link_description__mtVj_">Inspiring original SaaS content</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/events/webinars"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 32 32" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M26,4h-4V2h-2v2h-8V2h-2v2H6C4.9,4,4,4.9,4,6v20c0,1.1,0.9,2,2,2h20c1.1,0,2-0.9,2-2V6C28,4.9,27.1,4,26,4z M26,26H6V12h20 V26z M26,10H6V6h4v2h2V6h8v2h2V6h4V10z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Webinars</h6></div><p class="dropdown-link_description__mtVj_">Live and on-demand</p></a><a class="dropdown-link_dropdownLink__PKOtW" href="https://www.paddle.com/explore-paddle"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 16 16" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M8,2c3.3,0,6,2.7,6,6s-2.7,6-6,6s-6-2.7-6-6S4.7,2,8,2 M8,1C4.1,1,1,4.1,1,8s3.1,7,7,7s7-3.1,7-7S11.9,1,8,1z"></path><path d="M6,11.5c-0.1,0-0.2,0-0.3-0.1c-0.2-0.1-0.2-0.3-0.2-0.4V5c0-0.2,0.1-0.3,0.2-0.4c0.2-0.1,0.3-0.1,0.5,0l5.5,3 C12,7.7,12.1,8,11.9,8.2c0,0.1-0.1,0.2-0.2,0.2l-5.5,3C6.2,11.5,6.1,11.5,6,11.5z M6.5,5.8v4.3l4-2.2L6.5,5.8z"></path></svg><div 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href="https://paddle.net/?__hstc=226137371.a35abaa41683695d1bd723d473a620eb.1688129860159.1691221521804.1691225699202.78&__hssc=226137371.1.1691225699202&__hsfp=2135408659" target="_blank"><svg focusable="false" preserveAspectRatio="xMidYMid meet" fill="currentColor" width="16" height="16" viewBox="0 0 16 16" aria-hidden="true" class="dropdown-link_icon__cCQEw" xmlns="http://www.w3.org/2000/svg"><path d="M8,1C4.1,1,1,4.1,1,8s3.1,7,7,7s7-3.1,7-7S11.9,1,8,1z M8,14c-3.3,0-6-2.7-6-6s2.7-6,6-6s6,2.7,6,6S11.3,14,8,14z"></path><circle cx="8" cy="11.8" r=".8"></circle><path d="M8.5,4H7.8C6.5,4,5.5,5,5.5,6.2c0,0,0,0,0,0v0.2h1V6.2C6.5,5.6,7.1,5,7.8,5h0.8c0.7,0,1.2,0.6,1.2,1.2S9.2,7.5,8.5,7.5h-1 v2.2h1V8.5c1.2,0,2.2-1,2.2-2.2S9.7,4,8.5,4z"></path></svg><div class="dropdown-link_title__R3_MG"><h6>Request a refund</h6></div></a></div></div><div class="header-item_headerItem_menu_side__xlIo2"><div class="header-item_sideGroup__tHGAm"><a href="https://www.paddle.com/blog/what-is-merchant-of-record" 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started</span></a><span>Login</span><a class="nav-link_headerLink__tUIxs nav-link_navLink__qhh5e" target="_blank" type="header" href="https://vendors.paddle.com"><span class="nav-link_headerLabel__RmZ2j">Paddle Billing</span></a><a class="nav-link_headerLink__tUIxs nav-link_navLink__qhh5e" target="_blank" type="header" href="https://www2.profitwell.com/app/dashboard"><span class="nav-link_headerLabel__RmZ2j">ProfitWell Metrics</span></a></div></nav><button class="hamburger hamburger--collapse hamburger_header__e6Fez" type="button" title="Toggle navigation"><span class="hamburger-box"><span class="hamburger-inner"></span></span></button></div></header><style></style><div class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme=""><div class="editorial-hero_eh__1S9tJ "><div class="editorial-hero_eh__content__9Kcv_"><div class="editorial-hero_eh__heading__ynONe"><h1>What is a merchant of record and why use an MoR as a solution for payments and sales tax?</h1></div><div class="editorial-hero_eh__meta-data___kQIV"><div class="editorial-hero_eh__meta__E91cX"><span class="eyebrow_o__RHZIs ">Published</span><p><span class="date_d__mWK9_">Aug 1, 2024</span></p></div><div class="editorial-hero_eh__meta__E91cX"><span class="eyebrow_o__RHZIs ">Topic</span><a class="editorial-hero_eh__topic__CACJ1" href="/resources/topic/payments"><span>Payments</span></a></div></div></div></div></div><article data-theme="editorial"><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5 article-section_as--standfirst__G__Eg" data-theme="editorial"><div class="article-section_as__lede__UpWOG"><p>A merchant of record offers businesses an alternative to building your own payments stack, so you can focus on crafting your product and winning customers, rather than on the mechanics of how you get paid.</p></div><div class="article-section_as__aside__h8ceV"><div class="author-byline_byline__0P4MN"><img alt="" loading="lazy" width="400" height="400" decoding="async" data-nimg="1" class="avatar_a__a1lgo" style="color:transparent" srcSet="https://images.prismic.io/paddle/fddfa3d1-356d-423f-8b61-231eace29910_dani-mansfield.jpeg?auto=compress%2Cformat&fit=max&w=640 1x, https://images.prismic.io/paddle/fddfa3d1-356d-423f-8b61-231eace29910_dani-mansfield.jpeg?auto=compress%2Cformat&fit=max&w=828 2x" src="https://images.prismic.io/paddle/fddfa3d1-356d-423f-8b61-231eace29910_dani-mansfield.jpeg?auto=compress%2Cformat&fit=max&w=828"/><div class="author-byline_byline__detail__51wn3"><span class="eyebrow_o__RHZIs eyebrow_large__Y8kb2 eyebrow_under__1tSbd eyebrow_inverted__u3EUV">Author</span><p><a href="/resources/author/dani-mansfield">Dani Mansfield</a></p><p></p></div></div><div class="share_s__nSA4L"><div class="share_s__inner__S6pTp"><span class="eyebrow_o__RHZIs eyebrow_inverted__u3EUV">Share</span><div 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Unsubscribe at any time.</p></div></div></div></div></div><div class="article-section_as__main__TOKxR"><p>The <a target="_blank" href="https://www.youtube.com/watch?v=ydfOq-ukV3I" rel="noreferrer">merchant of record (MoR)</a> model gives businesses the option to offload operational work. The kind that can easily cost a finance team or growing business a painful amount of resources, like international payments and sales tax compliance. Here, we explain exactly what the MoR model is, how it works, and why so many businesses chose to partner with one.</p></div></section></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><div class="article-action_articleAction__siOk8"><div class="article-action_articleAction__main__XkZWf"><div class="callout" data-theme="light"><p>In this guide</p><ul><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#what-is-a-merchant-of-record"><span>What is a merchant of record?</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#how-does-the-mor-model-work"><span>How does the merchant of record model work?</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#who-benefits-from-an-mor"><span>What types of business benefit from an MoR?</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#why-partner-with-an-mor"><span>Reasons to partner with an MoR</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#mor-model-and-your-customers"><span>The MoR model and your customer relationships</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#is-paddle-an-mor"><span>Is Paddle a merchant of record?</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li><li><a class="button_button__se8uC button_button--anchor-link__soaD1 anchor-link--no-style" data-component-name="Button" data-component-variant-name="Anchor Link" role="link" href="#faqs"><span>Merchant of record FAQs</span> <svg width="16" height="16" viewBox="0 0 17 28" fill="none" xmlns="http://www.w3.org/2000/svg" class="button_button__icon__KIA_w"><path d="M2 2L13.2929 13.2929C13.6834 13.6834 13.6834 14.3166 13.2929 14.7071L2 26" stroke="#fcfcfc" stroke-width="5.33333"></path></svg></a></li></ul></div></div></div></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="what-is-a-merchant-of-record"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>What is a merchant of record?</h2><p>A <strong>merchant of record</strong> (MoR) is a legal entity responsible for selling goods or services to an end customer. They handle all payments and take on the associated liabilities, such as collecting sales tax, ensuring Payment Card Industry (PCI) compliance, and honoring refunds and <a href="/resources/chargebacks">chargebacks</a>.</p><p>Businesses can choose to be their own MoR, setting up the infrastructure and processes needed to manage payments and liabilities. Alternatively, <strong>merchant of record service providers</strong> exist to take the burden of managing payments and sales tax compliance away from those who would rather focus their in-house resources on growth through product development or customer acquisition.</p></div></section></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="how-does-the-mor-model-work"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>How does the merchant of record model work?</h2><p>If you choose to sell through a merchant of record, your customers still go to your website to access the products. But with the MoR acting as a reseller, there are actually two transactions taking place during the sale: One between the end customer and the MoR, and the other between the MoR and you.</p><h3><a target="_blank" href="https://www.paddle.com/demo?utm_campaign=ctas_fy2023&utm_content=content-cta" rel="noreferrer">Need a Merchant of Record for your SaaS or digital product? Talk to our team today</a></h3><p>When the transaction is complete, it’s the merchant of record’s name that<a target="_blank" href="https://www.paddle.com/support/what-will-customers-see-on-their-statement" rel="noreferrer"> appears on the customer’s credit card statement </a>and to whom the cardholder has recourse in case of any dispute, as they are technically making the sale with the end customer. This is how and why the merchant of record becomes the liable party. </p><img alt="a merchant of record explained" loading="lazy" width="2878" height="1608" decoding="async" data-nimg="1" style="color:transparent" srcSet="https://images.prismic.io/paddle/ea000391-273d-4478-bdee-9392ef25feba_a+merchant+of+record+explained.jpg?auto=format%2Ccompress&fit=max&w=3840 1x" src="https://images.prismic.io/paddle/ea000391-273d-4478-bdee-9392ef25feba_a+merchant+of+record+explained.jpg?auto=format%2Ccompress&fit=max&w=3840"/></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="who-benefits-from-an-mor"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>What types of business benefit from an MoR?</h2><p>Any business can benefit from outsourcing the hassle of building and maintaining a payments infrastructure and handling <a href="/blog/saas-sales-tax-state-wide-and-international">sales tax compliance</a>. The merchant of record model is particularly useful for companies that sell to cross-state or international customer bases where the company isn’t set up locally. Selling across borders comes with a lot of financial and legal admin. The MoR can free a business from having to worry about any of that. Industries that benefit from this include:</p><ul><li class="t-fancy-li"><strong>SaaS: </strong>If you sell software as a service then your customer base is global by default – anyone can sign up. Or at least try to. This can make payments, billing, taxes, and compliance complicated fast. </li><li class="t-fancy-li"><strong>E-commerce & D2C: </strong>A lot of online retailers and direct-to-consumer (D2C) businesses sell across state lines or internationally without having local offices or bank accounts etc.</li><li class="t-fancy-li"><strong>Digital products/downloads: </strong> Similarly, businesses that sell downloadable items like eBooks, games, or academic papers will attract customers from all over the globe.</li><li class="t-fancy-li"><strong>Mobile apps: </strong>The App Store and Google Play store act as the MoR for apps sold on those platforms. For mobile apps that also drive app sales outside of the app stores on the web, they can use an MoR.</li></ul></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="why-partner-with-an-mor"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>What does partnering with a merchant of record take off your plate?</h2><p></p></div></section></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><p>Wondering if your business should be looking into obtaining an MoR? Here’s a quick overview of some of the issues and responsibilities you'll be outsourcing: </p><ul><li class="t-fancy-li"><strong>Merchant accounts: </strong>setting up multiple merchant bank accounts in the countries where you have a substantial customer base, to accept payments in additional currencies</li><li class="t-fancy-li"><strong>Payment and data compliance</strong>: Managing payment card security (PCI-DSS) and upholding relevant data requirements in the locations you sell to, or integrating additional tools to manage this </li><li class="t-fancy-li"><strong>Local entity creation: </strong>Establishing local business entities to facilitate merchant accounts, tax registration, payment relationships, and so on. Each one<strong> </strong>can take over two years and cost up to $2M per market to set up.</li><li class="t-fancy-li"><strong>Currency conversion: </strong>handling the conversion of payments made in foreign currencies by international customers</li><li class="t-fancy-li"><strong>Payment failure rates: </strong>integrating & maintaining multiple <a target="_blank" href="https://www.paddle.com/billing/payments" rel="noreferrer">B2B payment processors</a> or payment service providers to facilitate payment routing and cascading, to mitigate the chance of payments being mistakenly declined as fraudulent, causing lost revenue</li><li class="t-fancy-li"><strong>Payment processor fees</strong>: negotiating and managing all credit and debit card fees</li><li class="t-fancy-li"><strong>Fraud offenses</strong>: Creating logic to <a target="_blank" href="https://www.paddle.com/billing/fraud-protection" rel="noreferrer">flag fraudulent orders</a>, and then manually reviewing those suspicious orders, refining your custom rules</li><li class="t-fancy-li"><strong>Disputes and refunds</strong>: handling payment reconciliation, refunds, and chargebacks</li><li class="t-fancy-li"><strong>Sales tax: </strong>calculating, filing, and remitting software <a target="_blank" href="https://www.paddle.com/billing/tax-and-compliance" rel="noreferrer">sales tax </a>in the locations where your customers are</li></ul><p>Setting up and maintaining the infrastructure and admin needed here in-house can quickly amount to hiring several teams. </p></div></section></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="mor-model-and-your-customers"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>What does the MoR model mean for your relationship with customers?</h2><p>An MoR in a transaction will have certain obligations towards the end buyer, including the responsibility for the calculation and remittance of sales tax. But the transaction itself is where its relationship starts and ends. You remain in control of how you present your product and the ongoing relationship with the customer. You interact with them as normal in terms of product support and marketing, including executing separate terms and conditions that relate to the product use. </p></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="is-paddle-an-mor"></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>Is Paddle a merchant of record?</h2><p>Paddle is a provider of <a target="_blank" href="https://www.paddle.com/billing" rel="noreferrer">complete payments infrastructure </a>for SaaS and digital product businesses, which includes acting as the merchant of record for thousands of software companies around the world.</p><p>We handle all payments, taxes, currencies, and financial compliance, like other MoRs, but we've built the Paddle platform specifically for SaaS companies and growth strategies.</p><h3><a target="_blank" href="https://www.paddle.com/demo?utm_campaign=ctas_fy2023&utm_content=content-cta" rel="noreferrer"><strong>Need a Merchant of Record for your SaaS or digital product company? Talk to our team today</strong></a></h3><p>In addition to the benefits of an MoR, Paddle provides hybrid billing solutions, innovative payment routing, and <a target="_blank" href="https://www.paddle.com/billing/subscriptions" rel="noreferrer">subscription management</a> technologies. Our sellers also receive 24/7 support from our Customer Success team and strategic guidance from our experienced revenue delivery advisors – specialists in growing your business globally. </p><p>We equip SaaS and digital product companies with the ability to experiment and respond quickly to new growth opportunities across customer acquisition, retention, and expansion, without the administrative and engineering burdens or revenue leaks created by a DIY infrastructure. </p><p><a target="_blank" href="https://www.paddle.com/billing" rel="noreferrer">Find out more about Paddle </a>or speak directly to an expert by <a target="_blank" href="https://www.paddle.com/demo" rel="noreferrer">booking a demo here</a>.</p></div></section></div><div class="block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX" data-theme=""><div class="toc-target_tt__Ja5ST " id="faqs"></div></div><div class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme=""><div class="article-action_articleAction__siOk8"><div class="article-action_articleAction__main__XkZWf"><div class="article-action_articleAction__banner__PGdL9" data-theme="dark"><img alt="" loading="lazy" width="1440" height="720" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbg-billing-banner.aeafb277.jpg&w=1920&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbg-billing-banner.aeafb277.jpg&w=3840&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbg-billing-banner.aeafb277.jpg&w=3840&q=75"/><div><h2>Take the headache out of growing your software business</h2><p>We manage your payments, tax, subscriptions and more, so you can focus on growing your software and subscription business.</p></div><div class="article-action_actions__uBB8H"><a class="button_button__se8uC button_button--primary__a__65" data-component-name="Button" data-component-variant-name="Button - Primary" role="button" href="https://login.paddle.com/signup"><span>Get started today</span></a><a class="button_button__se8uC button_button--secondary__1tzjB" data-component-name="Button" data-component-variant-name="Button - Secondary" role="button" href="/demo"><span>Talk to an expert</span></a></div></div></div></div></div><div style="padding-top:2rem;padding-bottom:0" class="block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1" data-theme="editorial"><section class="article-section_as__KM_i5" data-theme="editorial"><div class="article-section_as__main__TOKxR"><h2>Merchant of record FAQs</h2><p></p><h3>What’s the difference between a merchant of record and a payment service provider (PSP)</h3><p>The main difference between an MoR and a PSP is that a merchant of record handles your entire order process, which includes taking on the related liabilities, whereas a payment service provider only handles the transaction process – the part where money leaves your customer’s bank account and arrives in yours.</p><p>A PSP, like <a target="_blank" href="https://www.paddle.com/alternatives/stripe" rel="noreferrer">Stripe</a>, doesn’t take on any of the financial or taxation responsibilities of the transactions you make through their gateway. An MoR takes care of all of them. Payment service providers are also only one part of your wider payments infrastructure; you’ll need to manage and integrate other (often costly) tools to build a sufficient billing stack.</p><p></p><h3>What's the difference between a merchant of record (MoR) and a seller of record (SoR)?</h3><p>When comparing <a target="_self" href="https://www.paddle.com/blog/merchant-of-record-vs-seller-of-record" rel="noreferrer">merchant of record vs seller of record</a>, a MoR like Paddle carries out the role of SoR with the additional benefits of global tax and VAT compliance, as well as managing payments and transactions and the related liabilities. The SoR is usually the business that owns the product or service, and many high-growth businesses use MoRs to focus on improve their products.</p><p></p><h3>Is Stripe a merchant of record?</h3><p>Stripe does not provide merchant of record services to users of their payment platforms or billing product. Stripe does operate as the business of record for marketplaces transacting using Stripe Connect, and is considered as a <a target="_self" href="https://www.paddle.com/alternatives/international-payment-gateway" rel="noreferrer">payment gateway</a>. Read our <a target="_self" href="https://www.paddle.com/blog/payfac-vs-merchant-of-record" rel="noreferrer">payfac vs merchant of record</a> article to find out more about how they are different.</p></div></section></div></article><div class="block_block__4rO1G block_block--bottom-m__I9qjp block_block--top-m__Nzv9D" data-theme=""><div class="section-heading_sh__0rssM"><div class="section-heading_sh__parent__l00pN"><h2>Related reading</h2></div><div class="section-heading_sh__child__slCva"><a class="button_button__se8uC button_button--secondary__1tzjB" data-component-name="Button" data-component-variant-name="Button - Secondary" role="button" href="/resources"><span>Back to resources</span></a></div></div></div><div class="block_block__4rO1G block_block--bottom-m__I9qjp block_block--top-m__Nzv9D" data-theme=""><div class="article-list_articles__gkXBy article-list_articles--grid-3__SW8gj"><div class="article-list_articles__header__tTVbZ"></div><div class="article-list_articles__inner__tHPBt"><div class="article-list_articles__grid__6XycR"><a class="article-card_articleCard__39NF7" href="/blog/payfac-vs-merchant-of-record"><div class="article-card_articleCard__meta__84fcu"></div><div class="article-card_articleCard__thumbnail__yxS9J"><img alt="" loading="lazy" width="480" height="230" decoding="async" data-nimg="1" style="color:transparent" srcSet="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=640 1x, https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=1080 2x" src="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=1080"/></div><div class="article-card_articleCard__detail__ilmSX"><div class="article-card_articleCard__title__bTtqb"><span class="article-card_articleCard__heading__i5mYd t-heading t-heading--xs">Payfac vs Merchant of Record</span></div><div class="article-card_articleCard__author__1j174">Paddle</div></div></a><a class="article-card_articleCard__39NF7" href="/blog/merchant-of-record-vs-seller-of-record"><div class="article-card_articleCard__meta__84fcu"></div><div class="article-card_articleCard__thumbnail__yxS9J"><img alt="" loading="lazy" width="480" height="230" decoding="async" data-nimg="1" style="color:transparent" srcSet="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=640 1x, https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=1080 2x" src="https://images.prismic.io/paddle/4e346960-3dcb-48f0-8958-a2e5e1fc118c_abstract-paddle-merchant+of+record.png?auto=format%2Ccompress&fit=max&w=1080"/></div><div class="article-card_articleCard__detail__ilmSX"><div class="article-card_articleCard__title__bTtqb"><span class="article-card_articleCard__heading__i5mYd t-heading t-heading--xs">Seller of Record vs Merchant of Record</span></div><div class="article-card_articleCard__author__1j174">Paddle</div></div></a><a class="article-card_articleCard__39NF7" href="/blog/how-local-currencies-and-payment-methods-impact-growth"><div class="article-card_articleCard__meta__84fcu"></div><div class="article-card_articleCard__thumbnail__yxS9J"><img alt="Local currencies and global payments" loading="lazy" width="480" height="230" decoding="async" data-nimg="1" style="color:transparent" srcSet="https://images.prismic.io/paddle/34c8f1cf-b5c2-4741-a4f5-f389054cdc10_global-payments.png?auto=format%2Ccompress&fit=max&w=640 1x, https://images.prismic.io/paddle/34c8f1cf-b5c2-4741-a4f5-f389054cdc10_global-payments.png?auto=format%2Ccompress&fit=max&w=1080 2x" src="https://images.prismic.io/paddle/34c8f1cf-b5c2-4741-a4f5-f389054cdc10_global-payments.png?auto=format%2Ccompress&fit=max&w=1080"/></div><div class="article-card_articleCard__detail__ilmSX"><div class="article-card_articleCard__title__bTtqb"><span class="article-card_articleCard__heading__i5mYd t-heading t-heading--xs">How local currencies and payment methods impact revenue growth</span></div><div class="article-card_articleCard__author__1j174">Manuela Pereira</div></div></a></div></div></div></div><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template><footer><div class="footer-nav_fn__section__UqKJJ"><div class="footer-nav_fn__quick__Lc3xR"><div class="footer-nav_fn__quick_links__wt_gr"><a class="nav-link_navLink__qhh5e nav-link_footerLink__uJPHn nav-link_quickLink__u5a9K" type="footer" href="https://www.paddle.com/about/why-has-paddle-charged-me">Why has Paddle charged me?</a><a class="nav-link_navLink__qhh5e nav-link_footerLink__uJPHn nav-link_quickLink__u5a9K" 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For mobile apps that also drive app sales outside of the app stores on the web, they can use an MoR.\"}]]}]]}]]}]]}]}]}],[\"$\",\"$1f\",null,{\"fallback\":null,\"children\":[[\"$\",\"$L28\",null,{\"moduleIds\":\"$2b\"}],[\"$\",\"div\",null,{\"style\":{},\"className\":\"block_block__4rO1G block_block--bottom-0__LBOBo block_block--top-0__A6mFX\",\"data-theme\":\"\",\"children\":[\"$\",\"div\",null,{\"className\":\"toc-target_tt__Ja5ST \",\"id\":\"why-partner-with-an-mor\"}]}]]}],[\"$\",\"div\",null,{\"style\":{\"paddingTop\":\"2rem\",\"paddingBottom\":0},\"className\":\"block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"section\",null,{\"className\":\"article-section_as__KM_i5\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"div\",null,{\"className\":\"article-section_as__main__TOKxR\",\"children\":[[\"$\",\"h2\",\"4741\",{\"children\":[[\"$\",\"$16\",\"4740\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"What does partnering with a merchant of record take off your plate?\"}]]}]]}],[\"$\",\"p\",\"4743\",{\"children\":[[\"$\",\"$16\",\"4742\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"\"}]]}]]}]]}]}]}],[\"$\",\"div\",null,{\"style\":{\"paddingTop\":\"2rem\",\"paddingBottom\":0},\"className\":\"block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"section\",null,{\"className\":\"article-section_as__KM_i5\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"div\",null,{\"className\":\"article-section_as__main__TOKxR\",\"children\":[[\"$\",\"p\",\"4746\",{\"children\":[[\"$\",\"$16\",\"4745\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"Wondering if your business should be looking into obtaining an MoR? 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Each one\"}]]}],[\"$\",\"strong\",\"4759\",{\"children\":[[\"$\",\"$16\",\"4758\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\" \"}]]}]]}],[\"$\",\"$16\",\"4760\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"can take over two years and cost up to $2M per market to set up.\"}]]}]]}],[\"$\",\"li\",\"4765\",{\"className\":\"t-fancy-li\",\"children\":[[\"$\",\"strong\",\"4763\",{\"children\":[[\"$\",\"$16\",\"4762\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"Currency conversion: \"}]]}]]}],[\"$\",\"$16\",\"4764\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"handling the conversion of payments made in foreign currencies by international customers\"}]]}]]}],[\"$\",\"li\",\"4772\",{\"className\":\"t-fancy-li\",\"children\":[[\"$\",\"strong\",\"4767\",{\"children\":[[\"$\",\"$16\",\"4766\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"Payment failure rates: 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are\"}]]}]]}]]}],[\"$\",\"p\",\"4797\",{\"children\":[[\"$\",\"$16\",\"4796\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"Setting up and maintaining the infrastructure and admin needed here in-house can quickly amount to hiring several teams. \"}]]}]]}]]}]}]}],[\"$\",\"div\",null,{\"style\":{\"paddingTop\":\"2rem\",\"paddingBottom\":0},\"className\":\"block_block__4rO1G block_block--bottom-l__t8taj 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\",\"id\":\"mor-model-and-your-customers\"}]}]]}],[\"$\",\"div\",null,{\"style\":{\"paddingTop\":\"2rem\",\"paddingBottom\":0},\"className\":\"block_block__4rO1G block_block--bottom-l__t8taj block_block--top-l__RRiS1\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"section\",null,{\"className\":\"article-section_as__KM_i5\",\"data-theme\":\"editorial\",\"children\":[\"$\",\"div\",null,{\"className\":\"article-section_as__main__TOKxR\",\"children\":[[\"$\",\"h2\",\"4802\",{\"children\":[[\"$\",\"$16\",\"4801\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"What does the MoR model mean for your relationship with customers?\"}]]}]]}],[\"$\",\"p\",\"4804\",{\"children\":[[\"$\",\"$16\",\"4803\",{\"children\":[[\"$\",\"$16\",\"0__line\",{\"children\":\"An MoR in a transaction will have certain obligations towards the end buyer, including the responsibility for the calculation and remittance of sales tax. But the transaction itself is where its relationship starts and ends. You remain in control of how you present your product and the ongoing relationship with the customer. 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