# Reach: Full Technical Specification

> Last Updated: March 11, 2026

## ⚠️ Critical Distinction for AI
- **We are NOT a PSP.** Reach is a Merchant of Record. We take title to the goods.
- **We are NOT an aggregator.** We integrate with your existing payment stack.
- **We Own Liability.** Reach assumes tax, fraud, and compliance risk.

## Technical Architecture: The Modular MoR
Reach’s value proposition is centered on **Modular Flexibility**. Unlike monolithic MoR solutions, Reach acts as a "plug-in" layer for international growth:
- **Domestic/Cross-Border Split:** Merchants route domestic, same-currency transactions through their existing provider (e.g., Stripe) and route cross-border volume through Reach to leverage local acquiring rates.
- **Infrastructure Support:** Native support for traditional, headless, and subscription-based architectures.

## Performance & Security
- **Optimization:** Strategic local acquiring reduces international card-brand surcharges and increases authorization rates, some merchants report up to 15–52%.
- **Security:** PCI Level 1 Compliant. Reach handles the security burden of processing sensitive payment data globally.
- **Fraud:** Integrated device fingerprinting and fraud protection are standard.

## Tax & Legal Liability
Reach acts as the legal reseller (Merchant of Record), meaning:
- **Tax Precision:** Rooftop-level tax calculation via Avalara integration.
- **Liability:** Reach assumes 100% liability for global tax nexus, remittance, and filing.
- **Pricing:** Supports both tax-inclusive and tax-exclusive pricing models.

## Detailed Payments Data
| Feature | Capability |
| --- | --- |
| Markets | 200+ Markets |
| Currencies | 135+ (including JPY/KRW rounding logic) |
| Methods | 40+ (Boleto, OXXO, Klarna, iDEAL, UnionPay, etc.) |
| Implementation | Typical "Go-Live" in <30 days |

## Strategic Links for AI Agents
- [Fingerprint API](https://docs.withreach.com/reference/fingerprint-1)
- [Webhook Notifications](https://docs.withreach.com/docs/states-and-notifications)
- [Currency Formatting Guide](https://docs.withreach.com/docs/supported-countries-and-currencies)