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
    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
  • 2
    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
  • 3
    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. ​
  • 4
    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
  • 5
    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.
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