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A Merchant of Record (MOR) is the entity that legally sells to your customer and is responsible for the transaction. When you sell through Tokenz, Tokenz becomes the merchant of record and the seller on the receipt, processes the payment, and takes on the tax, compliance, and liability that come with each sale.

That responsibility matters because the rules are different in every market: EU and UK VAT, US sales tax (which varies state by state), GST in countries like Australia, Canada, and India, Japan's Consumption Tax, and a growing list of digital-services taxes, each with its own thresholds and deadlines that change frequently. As the merchant of record, Tokenz takes this entire burden on, so you can sell anywhere without becoming an expert in each jurisdiction's rules. 

You keep full ownership of your product, your pricing, and your brand; Tokenz handles the financial and regulatory work behind the checkout.

Beyond world-class compliance and tax coverage, which come as standard with Tokenz, our existing merchants point to three things that set us apart:
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1. The first, and the one we hear about most, is support: 24/7 help in your local language from real people who know your account, not a generic ticket queue. 
2. The second is how easy it is to launch: a clean, well-documented API and a hosted checkout keep the engineering lift small, so you can go live quickly with minimal engineering effort from your team.
3. The third is reach: 224+ countries and territories and 200+ payment methods supported, so you can sell globally and compliantly.

If you'd like a detailed comparison for your specific use case, get in touch and our team will walk you through how Tokenz fits your needs.

A payment processor moves money, but you remain the seller of record, which means you're responsible for calculating and remitting sales tax and VAT in every market, managing fraud and chargebacks, and keeping up with rules as they change. With an MOR, Tokenz takes those responsibilities on for you, making your global sales easy and compliant.

Because Tokenz is the merchant of record, the tax obligations on each sale are Tokenz's responsibility rather than yours. 

In practice, Tokenz registers and maintains the tax registrations required in each jurisdiction, so you don't have to. We work out the correct tax for every sale based on your customer's location and your product type and apply it at checkout, and then file the returns and remit what's collected to each tax authority on schedule. 

Tokenz also issues tax-compliant invoices and receipts, and validates VAT and tax IDs to apply exemptions or reverse-charge rules for B2B sales where they apply. Rates and rules are kept current as they change, so you never need to monitor tax law or manage a filing calendar yourself.

Tokenz lets you sell to customers in 224+ countries and territories, with 200+ payment methods supported, including cards, digital wallets such as Apple Pay and Google Pay, PayPal, and a wide range of local payment options. Letting customers pay with the methods and currency they already know removes friction at checkout: industry research shows that offering local payment methods lifts conversion by around 7% on average. 

Yes. Tokenz handles the full lifecycle of recurring billing. You can offer fixed-interval plans (monthly, annual, or a custom cadence), free trials, and promotional or discounted pricing. Customers can upgrade, downgrade, or cancel at any time, with charges automatically prorated when they switch plans, and renewals are billed automatically.

Because Tokenz is the merchant of record, every renewal is handled end to end: sales tax and VAT are recalculated on each charge as rates change, and customers are billed in their local currency. Tokenz also supports automatic retries on failed payments to reduce involuntary churn, and a self-service portal where customers manage their own subscriptions.

Tokenz manages refunds, disputes, and chargebacks as part of being your merchant of record, so you never have to deal directly with banks or card networks.

For refunds, you can issue a refund from your dashboard or via the API at any time. Tokenz returns the money to your customer and reconciles the tax that was collected on the original sale, so your records stay accurate.

When a customer files a dispute or chargeback, Tokenz handles the entire process on your behalf. Because Tokenz is the legal seller of record, it is the party that responds to the card networks, compiles the supporting evidence, and contests illegitimate claims, so the operational work doesn't fall on you. On top of this, all transactions are screened for fraud before they are approved, which helps keep disputes and chargebacks lower in the first place.

Most merchants go live in one to two weeks including testing, and a simple hosted storefront can be ready in a few days. The engineering lift is minimal because Tokenz uses a hosted checkout: your server creates a checkout session through our REST API, we return a payment URL, you redirect the customer to a Tokenz-hosted page, and after payment we send them back to your success, pending, or cancel page and fire a webhook so your backend can fulfill the order. 

Our pricing is transparent, based on successful checkouts only, with no setup costs. For pricing tailored to your business and volume, get in touch through our contact form and we'll walk you through the details.