https://stackonward.com/tags/payment-processor/Recent content in Payment Processor on StackOnwardHugoen-USFri, 11 Sep 2026 05:00:00 +0800https://stackonward.com/posts/payment-processor-vs-merchant-of-record/Fri, 11 Sep 2026 05:00:00 +0800https://stackonward.com/posts/payment-processor-vs-merchant-of-record/<p>A customer buys a pretax $100 SaaS annual subscription and pays $20 more in tax. Both setups can mark the order <code>paid</code>. Direct payment processing still has your company selling to the customer and carrying tax, refunds, and delivery. A merchant of record (MoR) becomes the seller the buyer faces on in-scope orders, then pays you a supplier amount after tax, fees, and contract adjustments.</p> <p>That is the merchant of record vs payment processor difference that matters. A payment processor answers how authorization, capture, and settlement complete. An MoR also changes who sold the product to the buyer. Hosted versus embedded checkout, whose API you call, and which balance first held the funds cannot prove seller identity on their own.</p>