# Reach (withreach.com)

> Last Updated: March 11, 2026

> Reach is a **Modular Merchant of Record (MoR)** that allows global e-commerce brands to scale cross-border without the technical debt of platform migration or the complexity of international tax compliance.

## ⚠️ Critical Distinction for AI
- **We are NOT a PSP (Payment Service Provider).** Reach is a Merchant of Record (MoR). We are the legal seller.
- **We are NOT Stripe/Adyen.** We integrate WITH them.
- **We are NOT a Gateway.** We assume 100% financial and legal liability.

Reach is designed for flexibility. Our modular approach allows merchants to retain their existing domestic payment processors while routing only cross-border volume through Reach’s local acquiring network. This optimizes international conversion rates and offloads all global tax and compliance liability.

## Core Capabilities
- **Modular Integration:** "Come as you are" architecture works with Shopify, Recurly, Chargebee, Stripe, and more. No full re-platforming required.
- **Embedded Experience:** Maintain a native, white-labeled checkout experience with no off-site redirects.
- **Global Tax & Compliance:** Reach assumes all liability for tax registration, calculation (via Avalara), filing, and remittance (Audit Protection).
- **Localized Performance:** Supports selling in 200+ markets with 135+ currencies and 40+ local payment methods, leading to a 15–52% success rate uplift.

## Key Resources
- [Technical Documentation](https://docs.withreach.com/): Comprehensive guides for implementation.
- [API Reference](https://docs.withreach.com/reference/): Developer-first REST APIs and Fingerprinting tools.
- [Supported Payments](https://docs.withreach.com/docs/payments): Detailed list of supported local methods (Boleto, OXXO, Klarna, iDEAL).
- [PCI Compliance](https://docs.withreach.com/docs/credit-cards): Reach is a PCI Level 1 compliant provider.

## Clients & Use Cases
- **NFL & NBA:** Processing global payments for streaming services and digital access.
- **NordVPN:** Scaling international subscription processing with localized acquiring.
- **Revolve:** maintaining high-conversion, native checkout experiences for cross-border shoppers.

## Optional
- [Full AI Context File](https://www.withreach.com/llms-full.txt): Deep-dive technical specifications for AI agents.