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
    Paddle

    Paddle

    Paddle Payments

    Paddle is a subscription commerce and billing platform for Software and SaaS companies. It’s more difficult than ever to keep up with customer demands, to find new international growth opportunities, and to manage your internal resources effectively. With Paddle, you spend less time on fixing internal roadblocks and can focus on scaling your business. Paddle provides a full suite of tools from optimized checkout to sell your software, to recurring billing, fraud detection, manual invoicing, sales taxes, global currencies, customer support, analytics and much more, all in one platform. Choose how you want to sell, Paddle supports every type of sales motion. Optimize your checkout for conversions, scale your sales-assisted invoicing to more business accounts, and add subscription billing
  • 2
    SubscriptionFlow

    SubscriptionFlow

    SubscriptionFlow

    SubscriptionFlow is a subscription management software that automates the billing and payment processes for businesses. It incorporates a range of SaaS billing models for recurring payment systems along with a stringent region-based tax management process. With real-time AI-powered analytics and reporting, SubscriptionFlow provides useful insights that help streamlines business revenue. An automated and tailored subscription management system eliminates the overhead of time-consuming and labour-intensive work that ultimately increases business productivity in a shorter period of time. Moreover, it helps introduce efficiency in the business operations while automating the recurring billing subscriptions of users. Hence, it results in increased brand reputation, customer experience, and business revenue.
    Starting Price: $79 / Month
  • 3
    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
  • 4
    Gigapay

    Gigapay

    Gigapay

    ​Gigapay is a payment solution enabling businesses to pay creators anywhere, on demand while offloading onboarding and procurement obligations. It offers a streamlined payment infrastructure that allows businesses to save time, mitigate risks, and operate more efficiently. Key features include compliance with local regulations in over 40 markets, the ability to work with individual creators, and easy self-onboarding for creators. Gigapay also facilitates global payments by allowing businesses to generate batch payments, simplify bookkeeping, and pay vendors in accordance with local regulations. It supports local payout options for vendors, consolidates invoices per payout currency, and offers multi-currency pay-in options. Additionally, Gigapay provides tax management services, assisting businesses in complying with local regulations, including KU14 reporting of transactions, DAC7 reporting, and support with withholding and image rights policies.
    Starting Price: €279 per month
  • 5
    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.
  • 6
    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
  • 7
    Yapstone

    Yapstone

    Yapstone

    Leverage Yapstone’s entire payments platform, or plug into the features that fit your business requirements to amplify your growth. Accept all major and alternative payment methods from around the world. Tap into our in-market expertise on local consumers and payment methods. Approve 95% of merchants in record time with seamless, scalable onboarding for marketplaces, vacation rental hosts, freelancers, and more. Shift compliance burdens and regulatory complexity to Yapstone with our flexible merchant of record arrangements. Detect and prevent fraud before it happens with our powerful risk engine. Yapstone’s platform architecture is built on hundreds of layered microservices. Our easy-to-use REST APIs can be efficiently customized to meet your company’s individual needs, regardless of the vertical or industry. No matter your industry, Yapstone’s flexible platform can future-proof your payments and expand your customer base.
  • 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
    Transact Bridge

    Transact Bridge

    Transact Bridge

    We are the best Merchant of Record (MoR) solutions provider in India, which enables businesses to navigate the complex Indian market with confidence. Our tailored services are designed to simplify payment processing, ensuring you can focus on growth. Whether you’re in e-commerce, gaming, or any other industry, our solutions allow you to leverage popular Indian payment methods like UPI, Netbanking, Paytm, PhonePe, and cards. Partner with us to streamline your operations and unlock new opportunities in India’s dynamic economy. Mitigate currency risk and optimize foreign exchange transactions with our real-time FX rates and hedging solution, enhancing transparency and profitability. Our dedicated team ensures stress-free tax compliance, keeping your business fully tax-compliant across diverse markets, and saving you time and resources. Leverage our customizable reports and dashboards to gain valuable insights into customer behavior, preferences, and sales patterns.
  • 10
    Kyshi

    Kyshi

    Kyshi

    ​Kyshi's Merchant of Record (MoR) solution offers global businesses a seamless and effective way to navigate cross-border transactions, mitigate regulatory complexities, and expand their reach to international customers with ease. Kyshi provides a comprehensive and streamlined solution for payment processing and compliance in the global marketplace, simplifying cross-border transactions and empowering businesses to reach international customers. We enhance the payment experience by offering a variety of payment methods, currencies, and languages, catering to diverse customer preferences and improving overall transaction conversion rates. Our MoR platform is designed to help businesses navigate the intricate landscape of regulatory compliance, including tax regulations, VAT/GST requirements, and data privacy laws, ensuring secure and lawful transactions across various jurisdictions.
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