Merchant of Record

Sell globally without touching tax & compliance

Launch worldwide from Day 1 — fully compliant, with zero overhead.

Subotiz acts as your Merchant of Record so you can scale across regions without registering entities, maintaining tax logic, or handling regulatory exposure.

Your Merchant of Record for global growth. No entities. No tax logic. No regulatory exposure.

Why MoR Matters

Global revenue, without global risk

AI and SaaS companies grow fast — but every new market triggers VAT/GST rules, FX requirements, invoicing standards, consumer law, and dispute obligations.

Go global instantly

No entity registration needed. No waiting months. Start selling in 100+ countries immediately.

Automated compliance

Forget tax engines. Zero exposure to audits, fines, or merchant penalties.

Zero engineering overhead

No coding required to maintain payment compliance.

Focus on building the product. We cover bureaucracy.

MoR vs PSP：What's the Difference

MoR vs PSP：
What's the Difference

If you sell globally, MoR is not optional — it's the only scalable path.

MoR vs PSP Comparison Table

Capability

Subotiz MoR

PSP

Charge & collect payments

Assume tax liability

Fully handled

You must do it

Issue invoices

Localized

Handle compliance (PSD2, SCA, KYC, etc.)

Manage refunds & disputes

Global reach w/o entities

Accept cross-border risk

Engineering required

Minimal

High

Global Tax Autopilot

Always accurate. Always compliant.

Our proprietary tax engine ensures that tax calculation, collection, and remittance are flawless-protecting you from under-collection penalties.

Real-time tax calculation

Instantly determine the correct tax rate across 135+ currencies and complex product categories.

Automatic remittance

We pay the governments. Subotiz collects the funds, files the returns, and pays the correct tax authority.

Dynamic policy tracking

We constantly update rules based on legislative changes (e.g., EU VAT updates) so your product remains compliant.

Risk Management

Liability Transfer & Risk Shield

Transfer the risk. Focus on growth.

Our Merchant of Record service is a financial shield, absorbing risks that traditional payment gateways leave you exposed to.

Zero fraud liability

We absorb the cost of losses due to fraudulent transactions.

Zero fraud liability

We absorb the cost of losses due to fraudulent transactions.

Chargeback management

We handle the complex and time-consuming chargeback dispute process end-to-end.

Chargeback management

We handle the complex and time-consuming chargeback dispute process end-to-end.

Legal non-compliance penalties

Any penalties related to sales tax miscalculation are the responsibility of Subotiz.

Legal non-compliance penalties

Any penalties related to sales tax miscalculation are the responsibility of Subotiz.

KYC/KYB & Fast Onboarding

Compliance without the wait.

Legacy MoRs take weeks to onboard. Subotiz accelerates the process, allowing you to capture market demand immediately.

Launch faster than your competition.

Frequently Asked Questions

If our company is audited for sales tax, who is responsible?

Subotiz is the primary liable entity. As the Merchant of Record, we assume the audit responsibility and liability for the sales tax portion of the transaction.

How does Subotiz handle sales tax in the US where nexus laws vary by state?

We handle the complexity of US Sales Tax Nexus entirely. We monitor and comply with all state-by-state economic and physical nexus thresholds, ensuring you remain compliant across all 50 states.

Are the fees quoted inclusive of all compliance costs (e.g., filing fees)?

Yes. Our transaction fee is comprehensive. It includes all costs associated with tax calculation, filing, remittance, and audit defense related to sales tax.

What security measures are in place for sensitive customer financial data?

We adhere to strict global security protocols, including full PCI compliance, minimizing your need to handle sensitive cardholder data directly.

Sell globally without touching tax & compliance

Sell globally without touching tax & compliance

Why MoR Matters