Merchant of Record
Merchant of Record (MoR) means FINBPM is the legal seller for transactions processed through our checkout. We take on the obligations that make global selling heavy, including payments, tax, and disputes, within the agreed scope.
You keep
Brand, pricing, product, fulfilment, and customer success.
FINBPM takes on
Payment processing, tax and VAT compliance, disputes, and billing support, within scope.
Scope is defined in the agreement. Built for SaaS and digital products.
Instead of you registering, contracting and operating across every jurisdiction, FINBPM becomes the seller of record for transactions processed through our checkout. We run the operational layer that comes with that role.
Liability
Tax calculation and collection workflows, payment processing compliance, refunds, and chargebacks, aligned to the agreed MoR scope.
Customer
Your brand, pricing, fulfilment, customer success and roadmap stay yours. We do not take over your product.
Ops
Fewer vendors, fewer brittle edge cases, and one consistent reporting and support surface across markets.
International selling creates obligations: local tax treatment, evidence collection, invoicing rules, dispute workflows and billing support. The MoR model consolidates that operational work into one layer you don’t have to build and maintain.
You’re expanding into new markets, dealing with complex tax exposure, or you want to stop stitching vendors and processes together.
If you already operate global tax, disputes and billing support in-house, and you want to keep liability and the full operational stack internally.
How it works
FINBPM runs the commercial and operational layer of the transaction. You keep fulfilment and the customer relationship.
Customer → FINBPM Checkout (MoR) → Payment methods
↘ Tax + Invoicing + Evidence
Your product fulfils the sale
Billing support, refunds, disputes → FINBPM
Net settlement + exports → Your finance stack
FINBPM processes payment, calculates tax, issues compliant documentation, and records evidence.
You deliver access, licenses, digital goods, or marketplace fulfilment, under your brand.
FINBPM settles net proceeds and provides exports for reconciliation and bookkeeping.
Refunds, chargebacks and billing queries are handled through agreed playbooks and SLAs.
We will review your products, pricing model, and target geographies and propose a go-live plan.