Draft:Merchant of record
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Merchant of record
A merchant of record is the entity with legal responsibility for a payment transaction. In electronic commerce and card payment systems, the merchant of record may be the business selling the goods or services, a platform, or a third-party provider, depending on the contractual and technical structure of the transaction.[1]
The merchant of record is generally responsible for transaction-related obligations such as processing payments, handling refunds, responding to disputes and chargebacks, and meeting applicable payment-network requirements.[2][3] In some arrangements, the role may also include tax calculation, tax collection, tax remittance, fraud controls, and compliance management.[4]
The term is also used in relation to payment facilitators. In a payment-facilitator model, card schemes may treat the sub-merchant or platform user as the merchant of record for a facilitated transaction. Payment processors may therefore require the payment facilitator to provide sub-merchant data with each transaction.[5][6]
Third-party merchant-of-record providers are used in some software, digital goods, subscription, and cross-border commerce arrangements. In these cases, the provider may act as the legal seller for the transaction while the underlying business supplies the product or service. Merchant-of-record software has been described as software that processes transactions, collects payments, manages compliance, and helps mitigate fraud, risk, and chargebacks.[4]
See also
- Merchant services
- Payment service provider
- Payment facilitator
- Payment gateway
- Chargeback
- Sales tax
- Value-added taxCite error: A
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- ^ "Understand the merchant of record in a Connect integration". Stripe Docs. Retrieved 16 May 2026.
- ^ "Adyen glossary". Adyen Docs. Retrieved 16 May 2026.
- ^ "What Is a Merchant of Record?". Stripe. 27 January 2026. Retrieved 16 May 2026.
- ^ a b "Introducing G2's New Merchant of Record Software Category". G2 Research. 2 September 2024. Retrieved 16 May 2026.
- ^ "Payment facilitators". Adyen Docs. Retrieved 16 May 2026.
- ^ "Card scheme requirements for payment facilitators". Adyen Docs. Retrieved 16 May 2026.
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