Best Merchants of Record

Compare the Top Merchants of Record as of November 2025

What is Merchants of Record?

A Merchant of Record (MoR) is a business or entity that is responsible for processing transactions, managing payment collections, and ensuring compliance with regulations related to payments. They handle the entire payment process, from authorizing charges to managing refunds and chargebacks, and are the legal entity that appears on a customer's payment statement. The MoR assumes liability for the financial and legal obligations of the transaction, including taxes and customer disputes. In many cases, they also manage payment gateways and ensure secure transaction processing. This role is often outsourced by businesses to third-party payment processors to streamline operations and reduce risk. Compare and read user reviews of the best Merchants of Record currently available using the table below. This list is updated regularly.

  • 1
    Shopify

    Shopify

    Shopify

    Shopify is a leading all-in-one commerce platform that enables businesses to start, build, and grow their online and physical stores. It offers tools to create customized websites, manage inventory, process payments, and sell across multiple channels including online, in-person, wholesale, and global markets. The platform includes integrated marketing tools, analytics, and customer engagement features to help merchants reach and retain customers. Shopify supports thousands of third-party apps and offers developer-friendly APIs for custom solutions. With world-class checkout technology, Shopify powers over 150 million high-intent shoppers worldwide. Its reliable, scalable infrastructure ensures fast performance and seamless operations at any business size.
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    Starting Price: $29 per month
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  • 2
    Nexway

    Nexway

    Nexway

    Nexway is a French software and service company for ecommerce and payment. Nexway enables companies to sell their software and services online in more than 140 countries by connecting their e-store to its e-commerce and payment platform. Avast, Eset, Fnac Darty, Kaspersky and Veepee are amongst Nexway's. Headquartered in Paris (France), and with offices in Nîmes (France), Katowice (Poland), Milan (Italy), San Francisco (USA), and Tokyo (Japan), the company has 100 employees and generated a 95M€ turnover in 2019. Nexway Monetize: payment and ecommerce platform to manage the shopping cart, handle payment in more than 140 countries, run subscriptions, invoicing, manage local tax and compliance to local regulations globally. The SaaS platform is based on microservices and APIs and is complemented by managed services such as customer care and marketing campaign management. Nexway Connect: a digital distribution network that connects software and video games publisher.
    Starting Price: $0.01
  • 3
    Xsolla

    Xsolla

    Xsolla

    Xsolla is the video game ecommerce platform powered by Transaction Engine and Business Engine to help developers and publishers market, sell, connect and optimize their games globally. Serving only the video game industry, the Xsolla Transaction Engine and Business Engine work seamlessly together to solve the complexities of distribution, marketing and monetization so developers, publishers and platform partners can increase their audience, sales and revenue. Market, sell, connect, and optimize your game with one platform, powered by Xsolla Transaction Engine and Business Engine. Accessible solutions that combine our products, industry connections, and expertise to meet your company’s specific needs. Great games can emerge anywhere. We at Xsolla are here to ensure the best ideas get made, get seen, and get played. So we've built a suite of products that remove the barriers between creators and the support they need.
  • 4
    Cleverbridge

    Cleverbridge

    Cleverbridge

    A configurable platform that has everything you need to sell online; around the world. Additionally, our expert growth services make sure you have all the tools to hit revenue targets and ensure customer satisfaction, where ever, whenever. Sell your products and services around the world, focusing on your core business. In the background, we will navigate international taxation and compliance, ensure localized checkout experiences, manage fraud and everything else, enabling you with a host of best-in-class solutions. Take charge of complicated pricing, billing and payment processing no matter the situation with easy-to-use, adaptable solutions for B2B and B2C. B2B users expect an experience that at least equals their day-to-day digital lives. Our solutions leverage 15 years of eCommerce experience to fit the needs of B2B clients and their customers.
  • 5
    PayPro Global

    PayPro Global

    PayPro Global

    PayPro Global's reseller model means that when you partner with PayPro Global, everything is taken care of, from start to finish. From initial customer sales – in a variety of currencies and payment methods – to recurring invoicing, international tax compliance, fraud management, customer support and subscription management, PayPro Global takes care of the little details so you can focus on the big picture. Main PayPro Global Features: 1. Subscription management 2. Recurring billing & invoicing 3. Multi-currency payments 4. Over 70+ payment methods 5. Fraud management 6. 24/7 billing customer support 7. Revenue recovery tools 8. Global sales tax compliance 9. Expansion into new countries 10. Customer portal 11. Affiliate management 12. Customizable checkouts 13. Sales reports 14. Refunds and chargeback dispute resolutions 15. Merchant of Record (MoR) model 16. PCI-DSS Compliance 17. Localization 18. Instant License Delivery and much more.
    Starting Price: $0
  • 6
    Reach

    Reach

    Reach

    We combine dynamic checkout, intelligent routing, and Merchant of Record local acquiring to offer you the most cost-effective way to sell to global customers. Reach is the premier partner for dynamic retail brands looking to connect with shoppers around the world, and skyrocket global sales. Using our unique Merchant of Record model, Reach helps retailers process global payment transactions wherever a retailers customer is based. Reach brings consistency to cross-border currency conversions with its Guaranteed FX solution, has relationships with banks worldwide to enable local credit card processing, offers consumers alternative payment methods where they are accustomed to using them, and provides best-in-class fraud detection and prevention services.
    Starting Price: 2.75% + $0.30 per transaction
  • 7
    ExpandNow

    ExpandNow

    ExpandNow

    ​ExpandNow is a comprehensive global ecommerce platform that simplifies international expansion by integrating commerce, localized checkout, and merchant-of-record services into a single solution. The platform enables businesses to quickly launch online stores with customizable storefronts, marketing tools, analytics, and promotions, all without the need for coding. It supports localized checkout experiences tailored for over 200 markets, offering features like country switchers, local payment methods, multilingual support, and guaranteed fraud protection. Acting as the merchant of record, ExpandNow manages complex aspects such as local selling entities, global payment options, sales tax, VAT and GST compliance, trade compliance, and fraud prevention. This approach allows businesses to focus on growth while ensuring compliance and operational efficiency across global markets. ​
  • 8
    2Checkout

    2Checkout

    Verifone

    The 2Checkout Monetization Platform is comprehensive and flexible, so you can quickly pursue new market opportunities and deliver exceptional user experiences. The all-in-one monetization platform that maximizes your revenues and makes global digital sales easier. We enable merchants to accept mobile and online payments from buyers worldwide. Our payment processing is seamless, safe, reliable, no matter where you are on the map. This is the all-in-one monetization package that helps global businesses grow digital commerce revenue streams. Get in front of new customers worldwide via our niche affiliates from across the globe, and use our channel manager solution to multiply your global distribution network online. Reach out through the channels where your customers are buying.
    Starting Price: 4.5% + $0.45 per sale
  • 9
    FastSpring

    FastSpring

    FastSpring

    FastSpring is the trusted ecommerce partner for companies that sell software around the world. With FastSpring’s full-service ecommerce solution, software companies sell more, stay lean, and compete big. We enable software and SaaS companies to increase their revenue by 30% or more. Thousands of customers use FastSpring to accept payments in all major currencies and collect VAT and taxes. Selling software online is challenging. That’s why software companies around the world partner with FastSpring’s full-service ecommerce platform. We’re changing the way software is bought and sold online with an easy-to-use, full-service ecommerce platform.
  • 10
    CommerceGate

    CommerceGate

    CommerceGate

    Get a CommerceGate Merchant Account set up with our trusted banks. We offer customised solutions for Merchants and Start-ups. As our client, you always have the benefit of our dedication to simplicity, security, service and speed. If you already have a merchant account, you can benefit by using our processing platform, advanced anti-fraud tools and powerful back office. Integration with our gateway is quick and easy with our technology and service working for you. Take advantage of our synergistic risk management to avoid loss and fraud. We combine the best of data driven automation and manual control. Leverage our expertise and technology to monitor and safeguard your revenue stream.
  • 11
    Digital River

    Digital River

    Digital River

    Your Complete Checkout Solution for Global Payments, Fraud, Tax and Compliance Management. Build a D2C channel that fits your needs now, and has room to grow into your future tomorrow. Leave the back-office to us so you can focus on what matters most — making your customers happy. Take the complexities out of selling online. Whether you’re compiling best-of-breed providers into a single sophisticated solution or looking for an all-in-one ecommerce provider, we have the tools and expertise to help you grow your business around the world. We help brands reach new markets in months, not years. We’ve done the heavy lifting, building a global infrastructure made up of 26 local acquirers, 9 local entities, 120+ payment methods, and 46 currencies. All that infrastructure gives brands the Onshore Advantage™ of delivering great localized customer experiences.
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