Merchant of Record

We sell so you don't have to

As your Merchant of Record, CreativeMark handles payments, taxes, compliance, and chargebacks — so you can focus on building products.

How It Works

What is a Merchant of Record?

A Merchant of Record is the legal entity that sells your products to customers. We take on the liability so you don't have to.

You build, we handle the rest

When CreativeMark acts as your Merchant of Record, we become the seller of record on every transaction. That means we handle payment processing, tax collection, regulatory compliance, and dispute resolution on your behalf.

  • You set the prices and products
  • We process payments under our entity
  • We calculate and remit taxes globally
  • We handle chargebacks and disputes
  • You receive net payouts on schedule
Transaction Flow
Customer pays CreativeMark
CreativeMark collects tax + handles compliance
You receive net payout

Benefits of using a Merchant of Record

Selling globally means navigating a maze of tax laws, payment regulations, and compliance requirements. As your MoR, CreativeMark absorbs all of that complexity.

  • Full liability shift — we are the legal seller
  • No tax registrations needed on your side
  • Chargeback and dispute handling included
  • PCI DSS compliance covered
  • Sell in 140+ currencies instantly
What we handle for you
Payment Processing
Tax Collection
Tax Remittance
Chargebacks
PCI Compliance
Fraud Prevention
Getting Started

Go live in four steps

From sign-up to your first sale, the entire onboarding process takes minutes, not weeks.

1

Create your account

Sign up and complete the onboarding flow with your business details and payout preferences.

2

Add your products

Upload your digital products, set prices in multiple currencies, and configure fulfillment.

3

Embed your checkout

Use our hosted checkout pages or integrate via API with your existing website or platform.

4

Start selling

Customers pay through CreativeMark. We handle tax, compliance, and disputes. You get paid.

Capabilities

Everything included as your MoR

A complete back-office for global commerce, so you can focus entirely on your product.

Payment Processing

We process all customer payments through our accounts. Cards, PayPal, bank transfers, and 70+ local payment methods — all under the CreativeMark entity.

Tax Collection & Remittance

Automatic tax calculation at checkout across 13,000+ jurisdictions. We collect the right amount and remit it to the appropriate tax authority on your behalf.

Chargeback & Dispute Handling

We manage the entire dispute lifecycle — from ingestion to evidence generation and submission. Stripe and PayPal disputes are handled automatically.

Regulatory Compliance

GDPR data handling, PCI DSS compliance, consumer protection laws, and local e-commerce regulations — all managed under our entity.

Customer Billing

Professional invoices, receipts, and billing communications sent from CreativeMark as the seller. Branded checkout pages with your product details.

Revenue Recognition

Accurate revenue tracking with commission ledger entries, payout batches, and full audit trails. Know exactly what you earned and when.

FAQ

Frequently asked questions

A Merchant of Record (MoR) is the legal entity that sells goods or services to the end customer. As your MoR, CreativeMark appears as the seller on the customer's bank statement. We take on the legal responsibility for payment processing, tax collection and remittance, consumer protection compliance, and dispute handling.
A payment processor (like Stripe or PayPal alone) moves money between buyer and seller, but you remain the legal seller responsible for tax, compliance, and disputes. A Merchant of Record takes over the seller role entirely. CreativeMark collects payments, calculates and remits taxes, handles chargebacks, and manages compliance — then pays you the net amount.
No. You retain full control of your product pricing in every currency. You set the price, configure discounts, and manage promotions. CreativeMark adds applicable taxes on top of your price at checkout. Your revenue is your price minus the CreativeMark commission — the tax portion is handled entirely by us.
Most sellers are live within minutes. The onboarding flow collects your business details and payout preferences, then you add your products and embed the checkout link or integrate via API. There is no lengthy approval process for standard digital products — once your account is verified, you can start selling immediately.

Ready to start selling globally?

Join CreativeMark and let us handle payments, tax, and fulfillment so you can focus on building great products.

Get Started Free Contact Sales

Free to apply. No credit card required.