Merchant of Records (MoR)

Scale revenue globally without building complex payments, tax, and compliance stacks. As your Merchant of Record, we take on payment processing, local tax collection, billing, invoicing, chargebacks, and regulatory compliance — so you focus on product and growth.

Benefits

Focus on building your product while we handle the complexities of global commerce

Global expansion, simplified

Sell in multiple countries with local currencies and payment methods without the complexity of managing multiple merchant accounts and compliance requirements.

Faster time-to-market

Integrate once and start selling internationally in days, not months. Skip the lengthy merchant onboarding process in each country.

Compliance & tax handled

Automated VAT/GST collection, filing, and local invoicing. We ensure compliance with local regulations so you don't have to.

Risk & chargeback management

Full dispute handling and fraud protection. Our team manages chargebacks and fraud detection on your behalf.

Transparent, predictable fees

Clear rates and consolidated settlements. No hidden fees or surprise charges - know exactly what you'll pay upfront.

Keep more of what you earn

Competitive pricing with transparent fee structure helps you retain more revenue from international sales.

How it Works

Simple integration, powerful results. Launch in new markets in days.

1

Integrate

Connect via API, SDK, or hosted checkout in under a week. Seamless integration with your existing systems.

2

Sell

Accept local payment methods, collect tax, and deliver invoices automatically. We handle customer-facing payment processing.

3

Settle

Receive consolidated settlements with transparent reporting. Regular payouts to your designated account with detailed reconciliation.

Target Markets

Perfect for businesses ready to scale globally

SaaS companies scaling internationally

Accept subscriptions and one-time payments across global markets with automated tax handling.

E-commerce brands expanding to new markets

Sell products globally with local payment methods and automatic tax collection.

Marketplaces with global buyers and sellers

Enable transactions between global users with comprehensive compliance and tax handling.

Digital goods and subscription businesses

Sell digital products and services globally with automated content delivery and billing.

Startups avoiding complex payment infrastructure

Focus on product development while we handle the complexity of global payment processing.

Businesses launching in new markets

Fast-track international expansion with pre-built compliance and tax infrastructure.

Security & Compliance

Enterprise-grade security protecting your customers and your business reputation

Security Standards

  • PCI DSS Compliance

    Level 1 PCI DSS certification with regular audits and continuous monitoring

  • GDPR-Aligned Data Handling

    Complete data protection compliance with European Union regulations

  • Robust Encryption

    End-to-end encryption across processing and storage infrastructure

Risk Management

  • Regular Third-Party Audits

    Independent security assessments and penetration testing

  • Continuous Risk Monitoring

    Real-time fraud detection and threat monitoring systems

  • Brand Protection

    Comprehensive measures to protect your customers and maintain your brand integrity

Frequently Asked Questions

Common questions about Merchant of Records solutions

What does a Merchant of Record do?

We act as the legal seller for your transactions, handling payments, tax, compliance, invoicing, and chargebacks so you don't need to manage those operations.

Will my customers know you're the seller?

Co-branding options are available. By default, invoices and receipts can display your brand while backend records list us as the legal MoR.

How quickly can I launch in new markets?

Most customers launch within days to a few weeks depending on integration complexity and local requirements.

How are taxes handled?

We calculate tax in real time, collect VAT/GST where required, file returns, and provide compliant invoices.

What payment methods do you support?

Card networks and local debit systems (mobile money and bank transfers) across African markets.

How do settlements and payouts work?

We provide consolidated settlements, with regular payouts to your bank account and detailed reconciliation reports.

What fees do you charge?

Fees depend on plan and volume. Contact us at sales@t2prodsolutions.com for a tailored quote.

Who handles refunds and chargebacks?

We process refunds and manage chargeback representment on your behalf, including communication with banks and dispute evidence submission.

Is my data secure?

Yes — we use industry-standard encryption, tokenization, and are PCI DSS compliant with strict access controls.

Ready to Scale Globally?

Launch in new markets in days, reduce churn with localized checkout, and keep more of what you earn with transparent pricing.