Payments · Merchant of Record
Selling internationally.
We are the merchant of record.
The seller on the transaction, the tax registration, the chargeback liability. This page sets out what it means for Suby to be the merchant of record across 190 countries, and where that responsibility ends.
THE PROBLEM
Being the seller means being the one who's liable.
Sell your own product directly and you're the merchant of record by default: your entity registers for tax, answers disputes, holds PCI scope, and gets the KYC checks. It is the standard setup, and it is invisible work until a jurisdiction sends a letter or a customer files a chargeback you have to fight yourself.
What Suby carries as merchant of record.
Being named the seller is not a formality. This is what it moves off your side.
KYC & KYB
Identity and business checks run at brand level before the first payout, not as a surprise hold later.
DATA
Export or delete a customer's payment data from the dashboard or the API, subject to financial retention rules.
Merchant of record, 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 as the seller of record.
Suby carries the obligation
Registration, filing, PCI scope and chargeback liability across the 190 covered countries sit with Suby, not you.
Handle data requests
Export or delete customer payment data from the dashboard or the API, within retention rules.
What merchant of record 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.
