Built by payments experts
Payments are our core expertise. Every MoR payment runs on the same infrastructure our enterprise merchants rely on, backed by a team that works alongside yours to improve approval rates.
Sell internationally from day one, without lock‑in
Use Payrails MoR to expand to new markets in minutes. We take on sales tax, invoicing and compliance. Move markets to your own setup at any time and keep processing on the Payrails platform.
Launch fast, see everything, graduate on your terms
Payrails MoR runs on the Payrails platform. It uses the same API and SDKs as Payrails Orchestration – enabling your MoR, your own direct acquiring, and every other Payrails module to work together seamlessly with one integration.
MoR where you need it, your own setup everywhere else
Use Payrails MoR where a market is slow or expensive to set up, and your own merchant IDs everywhere else, under one account. When you move a market from MoR to your own setup, your integration stays the same and your saved customers come with you.
Sell without a local entity
Payrails resells your digital product under our entities. We calculate sales tax, VAT and GST at checkout, handle the filings and payments to tax authorities, and send buyers compliant, co-branded receipts and invoices. Your product name appears next to ours on card statements, so buyers know what they paid for.
Your checkout, with smart routing behind it
Embed the MoR Drop-in in your app or website, or use a hosted payment page. Buyers pay in their local currency with local payment methods, and smart routing and automatic retries across 100+ integrations help more payments go through.
See every insight behind every payment
The Payrails portal shows your deep MoR insights on authorization rates, fraud and chargebacks. A dedicated MoR analytics dashboard tracks performance across markets and products, so you can see what's costing you revenue and fix it.
Built for digital businesses
AI, SaaS, mobile app and digital goods companies selling internationally, from AI products billed by usage to subscription apps outside the app stores, game purchases and online courses.
Fraud and chargeback protection
As the seller of record, Payrails tackles fraud with AI-powered fraud prevention and chargeback management. Dispute handling sits with us alongside tax and invoicing, so your team can stay focused on selling.
Your customers stay yours
Saved payment credentials live in Payrails Token Vault, independent of any single payment provider. When you move a market to your own setup, returning customers keep checking out without re-entering their card details.
The operating system for payments
By providing your team with expanded intelligence, freedom, and control over your financial stack, we help global businesses to maximize revenue, lower costs, and grow at the pace of ambition.
Merchant of Record that scales with you
Payrails is the MoR designed to support your growth. Get a walkthrough tailored to your business, markets, and stack.
Got questions?
A merchant of record (MoR) is the legal entity that sells a product to the end customer and appears as the seller on the receipt and card statement. It is responsible for collecting and paying sales tax, VAT and GST, issuing compliant invoices, meeting local regulations and handling chargebacks. Companies use a merchant of record to sell in new markets without first setting up a local entity or tax registrations.