Payments · Compliance
Sales tax, VAT, PCI scope, KYC and chargeback liability. This page sets out what Suby carries as the merchant of record across 190 countries, and the short list of things that stay yours.
THE PROBLEM
Global sales come with global obligations.
The moment you sell across a border you inherit a tax registration threshold, a filing calendar, a PCI questionnaire and a dispute process, in every jurisdiction, on a different schedule. It is the kind of work that is invisible until it is a letter, and it does not scale with a small team.
THE SOLUTION
Merchant of record means the obligation is ours.
Suby is the seller of record on every transaction across 190 countries. That means we register for sales tax and VAT, calculate it at checkout, collect it and file it. Card data is collected on Suby-hosted fields and tokenised, so raw card data never reaches your systems. Chargeback liability sits with us.
What Suby carries.
DATA
Export or delete a customer's payment data from the dashboard or the API, subject to financial retention rules.
DISPUTE
Disputes are ours to answer and ours to carry, with the evidence assembled automatically.
Compliance in practice.
Who this is for
Founders selling internationally without local entities
SaaS teams that do not want a tax filing calendar
Creators who just received a VAT notice
Anyone weighing merchant of record against a plain gateway
Use cases
Sell into the EU, the UK and the US without registering for tax
Keep raw card data out of your infrastructure
Hand chargeback liability work to your merchant of record
Answer a customer's data request from the dashboard
Four steps, start to finish.
Verify the business once
KYC & KYB runs at brand level before the first payout, not as a hold three months later.
Sell as normal
Tax is calculated from the buyer's location and shown before payment. Suby collects it.
Suby files it
Registration and filing across the 190 covered countries are Suby's obligation as merchant of record.
Handle data requests
Export or delete customer payment data from the dashboard or the API, within retention rules.
What compliance works with.
Suby lets you accept cards, Apple & Google Pay, Klarna, crypto and more, all into one unified balance. Withdraw to your bank in your own currency, or to your wallet in stablecoins.
