Merchant of Record  Can Save You Money

Third party MOR services act as an intermediary between a business and its customers, taking responsibility for the payment process and assuming liability on behalf of that business.

By leveraging our Merchant of Record model, you gain the ability to process locally through our international entity structure, remove the need to establish expensive local entities in your global markets, while also lowering fees, reducing false declines and increasing approval rates.

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Why choose us as your Merchant of Record?

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Enter new markets with confidence with no need to set up a legal entity outside your domestic market.

Increase Conversions

Offer your customers the ability to pay in local currency with the payment methods they know and trust.

Reduce Fees

By accessing our global payment infrastructure, unlock local processing power.

Offload Liability & Reduce Complexity

Maintain compliance for Tax, PCI, and local regulations and manage everything through a single integration.

Our Merchant of Record model is ideal for any business, regardless of industry or use case:

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Gain immediate access to one of the largest MOR networks globally when you onboard our cross-border payments platform. Fill out the form below to get started!

Frequently Asked Questions

Reach can work with all types of companies including marketplaces, Travel, SaaS, and companies selling physical and/or digital goods. Learn more about our offerings for each service model in our Customers page.

No additional contracts are required.

With one contract and integration, Reach can enable processing in 130+ currencies, 100+ payment methods, and local acquiring in 40 markets. You may choose to have a direct relationship with other payment providers in your domestic markets or other countries.

We offer several ways to integrate to Reach which enables your business to maintain complete control of your checkout, UX, data, and customer relationship. No customer redirect to Reach is required.

Reach only steps in to take liability for the transaction. You will still be in charge of how you communicate and market to your customers.

As the Merchant of Record, Reach will be included on the card statement. We offer dynamic descriptors so you can include your company name or website on the statement. For example: RCH*

A payment service provider refers to a company that securely processes payments on your behalf but doesn’t take on any financial risk or handle the other complex tasks mentioned above.

For these providers, you will still need to be the Merchant of Record. This can cause issues when selling into global markets as these providers will require you to have a foreign subsidiary in each market you want to access local processing.

No. As the Merchant of Record, Reach can take on all tax liability and will file and remit all required sales tax under our Tax IDs.

Want to learn even more about Merchant of Record?

Read more on our blog.