What is a Merchant of Record (MoR) and why do I need one?

A Merchant of Record (MoR) is a legal entity that acts as a reseller, taking on the full financial and legal responsibility for selling your products. You need an MoR to sell internationally without handling the complexities of global taxes, fraud liability, and compliance yourself. This model acts as a legal shield, allowing your SaaS or software business to scale globally with confidence.

How does using an MoR simplify selling my software internationally?

An MoR simplifies international sales by removing the operational burdens of global expansion. We handle all cross-border payment processing, currency conversions, and global tax compliance for your digital products. This means you can enter new markets instantly without needing to set up local legal entities or manage complex international regulations.

What are the main benefits of choosing an MoR over a payment processor?

While a payment processor only handles transactions, an MoR manages the entire sales process. The key benefits are a complete liability shift for taxes and fraud, automated global compliance, and simplifyd financial operations for your SaaS business. We handle everything from chargeback disputes to data privacy, allowing you to focus on your product.

Will I still control my pricing and subscriptions if I use an MoR?

Yes, you retain full control over your business strategy. Our MoR model supports flexible subscription models—including tiered, usage-based, and hybrid—and allows you to experiment with different pricing strategies for various regions. We provide the infrastructure to execute your vision, including automated, tax-compliant invoicing for your software subscriptions.

How do I get started with an MoR solution?

Getting started is fast and straightforward. Our simplified onboarding process and expert assistance ensure you can get up and running quickly. We process payments through our MoR model, manage all tax and compliance duties, and provide real-time analytics, enabling your software or game company to begin selling globally without delay.

Sell Globally with a Complete Merchant of Record for SaaS, Software & Games

Let us handle payments, taxes, compliance, and regulations.
With PayPro Global’s all-in-one Merchant of Record (MoR) solution, you can focus on scaling your SaaS without limits.

Introducing the Merchant of Record

As your Merchant of Record, PayPro Global acts as a legal and financial shield. We become the reseller of your product, managing the entire transaction with the end customer. This removes the burden of global sales regulations from you entirely.

Customer
Customer
Customer

MoR Sells to Customer

The MoR takes on the responsibilities and liabilities of the end transaction, as this is the entity processing the transaction.

MoR

MoR Buys from Seller

The Merchant of Record is the direct customer of the seller, the latter having no direct interaction with the customer.

Seller

How Our Merchant of Record Model Works in 5 Simple Steps

STEP 1

Checkout Selection

A customer selects a product on your website and proceeds to our secure, localized checkout page.

STEP 2

Secure Payment Processing

We process the payment using our MoR model, integrating multiple gateways for smooth, secure transactions.

STEP 3

Authorization and Settlement

We confirm funds, process the payment, and transfer your revenue to you.

STEP 4

Global Tax Compliance and Dispute Management

We manage global tax compliance, fraud prevention, and data privacy for every transaction. We also handle all chargebacks and refunds on your behalf.

STEP 5

Reporting and Analytics

Access real-time reporting and analytics to track sales, understand customer behavior, and make data-driven decisions for growth.

Stop worrying about taxes, payments, and regulations.

With PayPro Global as your Merchant of Record, you can sell anywhere — and keep your focus where it matters most: growing your business.

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Cross-Border Payments

Unlock Global Sales

Reach new markets and maximize revenue by simplifying international transactions.

Expand Worldwide: Use our local entities to sell in key markets without the legal and financial overhead.
70+ Payment Methods: Offer customers their preferred local payment options to increase trust and conversions.
Automatic Currency Conversion:Accept payments in 140+ currencies without worrying about fluctuating exchange rates.
Localized Checkout: Boost sales with checkout experiences translated into 30+ languages.

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Global Tax & Compliance

Stress-Free Tax Compliance

Confidently expand knowing your tax and data security are handled by experts.

Full Global Tax Compliance: We calculate, collect, report, and remit global taxes on your behalf.
PCI-DSS Level One Certified: Protect customer data with the highest, most rigorous level of payment security.
Shift the Tax Liability: The burden of customer-related tax liability worldwide shifts from you to us

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Subscription Management

Simplify Global Billing

Automate recurring revenue and focus on scaling your business, not managing invoices.

Flexible Subscription Models: Easily bill for any model—tiered, usage-based, flat-rate, or hybrid.
Automated, Compliant Invoicing: Generate tax-compliant invoices automatically for customers in 200+ regions.
Experiment with Pricing: Test different pricing strategies and billing frequencies without developer work.
Consistent Branding: Customize invoices and checkout pages to match your brand's look and feel.

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Fraud Detection and Prevention

Safeguard Your Revenue

Protect your income from fraud with our advanced, multi-layered security system.

AI-Powered Detection: Our machine learning algorithms analyze millions of transactions to identify and block fraudulent activity in real-time.
Customizable Fraud Rules: Set fraud rules based on region, transaction value, or user risk.
Card Tester Blocking: We actively block attempts to test stolen card information, preventing unauthorized charges from impacting your business. ⁤
Checkout Page Monitoring: Every transaction is reinforced by our dynamic encryption and hash settings, which safeguard critical payment information during checkout.

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Customer Support & Assistance

Your Partner in Success

Our support extends beyond transactions to enhance your operations and customer satisfaction.

24/7/365 Customer Support: Our expert team is always available to handle questions and resolve issues for both your team and your end users.
Risk Analytics Verifications: Through meticulous risk analytics and thorough final verifications on orders, possible fraudulent activity is identified and blocked.
Full Chargeback and Dispute Management: We handle the entire chargeback process to protect your revenue and reputation.
Fast MoR Integration: Get up and running quickly with our streamlined onboarding process and expert assistance.

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Merchant of record: Market expansion and operational efficiecy. Say goodbey to global growth hurdles

Market Expansion & Operational Efficiency

Say Goodbye to Global Growth Hurdles

Partner with us to unlock rapid market entry and optimize your operations.

Effortless Market Entry: Enter new countries without needing local legal entities or tax knowledge.
Enhanced Customer Experience: Benefit from increased conversions with region-specific checkouts that offer local currencies, preferred payment options, and experiences. ⁤
Strategic Pricing: Easily deploy different pricing strategies for different regions to maximize your impact.
Targeted Marketing Insights: Use our regional expertise to craft campaigns that resonate with local audiences.
Higher Approval Rates: Our localized payment processing increases authorization rates, reducing failed payments and boosting revenue.

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FAQ

What is a Merchant of Record (MoR) and why do I need one?

A Merchant of Record (MoR) is a legal entity that acts as a reseller, taking on the full financial and legal responsibility for selling your products. You need an MoR to sell internationally without handling the complexities of global taxes, fraud liability, and compliance yourself. This model acts as a legal shield, allowing your SaaS or software business to scale globally with confidence.
How does using an MoR simplify selling my software internationally?

An MoR simplifies international sales by removing the operational burdens of global expansion. We handle all cross-border payment processing, currency conversions, and global tax compliance for your digital products. This means you can enter new markets instantly without needing to set up local legal entities or manage complex international regulations.
What are the main benefits of choosing an MoR over a payment processor?

While a payment processor only handles transactions, an MoR manages the entire sales process. The key benefits are a complete liability shift for taxes and fraud, automated global compliance, and simplifyd financial operations for your SaaS business. We handle everything from chargeback disputes to data privacy, allowing you to focus on your product.
Will I still control my pricing and subscriptions if I use an MoR?

Yes, you retain full control over your business strategy. Our MoR model supports flexible subscription models—including tiered, usage-based, and hybrid—and allows you to experiment with different pricing strategies for various regions. We provide the infrastructure to execute your vision, including automated, tax-compliant invoicing for your software subscriptions.
How do I get started with an MoR solution?

Getting started is fast and straightforward. Our simplified onboarding process and expert assistance ensure you can get up and running quickly. We process payments through our MoR model, manage all tax and compliance duties, and provide real-time analytics, enabling your software or game company to begin selling globally without delay.

The Merchant of Record that helps your SaaS grow.

Let our experts handle the complexity of international sales so you can focus on what you do best.