# Merchant of Record Articles > Articles about Merchant of Record from Dodo Payments, including guides, insights, and best practices. - **URL**: https://dodopayments.com/blogs/category/merchant-of-record --- - [Fungies.io Alternatives: 4 Options and How to Migrate Without Losing Subscribers](https://dodopayments.com/blogs/fungies-io-alternatives): Comparing Fungies.io alternatives for SaaS, game, and digital product sellers. Includes verified pricing, provider risk criteria, and a step-by-step card token migration path that keeps active subscriptions billing. - [Merchant of Record Services: What They Cover in 2026](https://dodopayments.com/blogs/merchant-of-record-services): A clear guide to merchant of record services in 2026: what an MoR handles, tax and chargeback liability, pricing, and how to choose one for global SaaS. - [Merchant of Record in Egypt: A 2026 Guide for SaaS Founders](https://dodopayments.com/blogs/merchant-of-record-in-egypt): How a Merchant of Record helps Egyptian SaaS founders handle ETA 14% VAT, CBE foreign currency rules, EGP devaluation, and USD revenue while scaling globally. Verified 2026 regulations and a practical comparison of local options. - [Merchant of Record in South Africa: A 2026 Guide for SaaS Founders](https://dodopayments.com/blogs/merchant-of-record-in-south-africa): How a Merchant of Record helps South African SaaS founders handle SARS VAT, SARB exchange controls, and USD billing while scaling to global customers. Verified 2026 rules and a practical comparison of local options. - [How MoR Payouts Work: Settlement Cycles, Holds, and Reserves Explained](https://dodopayments.com/blogs/mor-payouts-settlement-explained): A deep look at MoR payouts: cycles, deductions, thresholds, holds, reserves, and the timing reality founders need to plan cash flow correctly. - [Stripe Managed Payments Fees Explained: The Real Cost of 6.4%+ in 2026](https://dodopayments.com/blogs/stripe-managed-payments-fees-explained): Stripe Managed Payments charges 3.5% on top of standard Stripe fees. The real all-in rate is 6.4% domestic and 8% to 10% on international cards. See the math, the gaps, and a cheaper Merchant of Record. - [When Ecommerce Brands Need a Merchant of Record (and When They Don't)](https://dodopayments.com/blogs/merchant-of-record-ecommerce): A decision guide for ecommerce brands evaluating whether a Merchant of Record makes sense for cross-border sales, digital DTC, subscription boxes, and hybrid product catalogs. - [Merchant of Record for Game Studios: Pricing, Tax, and Global Payouts](https://dodopayments.com/blogs/merchant-of-record-gaming): Game studios face unique payment challenges - microtransactions, chargeback fraud from minors, and taxes across 100+ countries. Learn how a Merchant of Record solves all of them. - [Top 7 Merchant of Record Platforms 2026: Paddle, LemonSqueezy, Dodo & More](https://dodopayments.com/blogs/best-merchant-of-record-platforms): Compared 7 MoR platforms on real fees, tax coverage (VAT, GST, sales tax), payout speed, and SaaS fit. Pick the right Merchant of Record for your business in 5 minutes. - [Is Stripe a Merchant of Record? No - Here Is the Difference That Actually Matters](https://dodopayments.com/blogs/is-stripe-a-merchant-of-record): Is Stripe a merchant of record? No. Learn the exact difference between a PSP and MoR, what this means for tax and compliance liability, and when to switch to an MoR model. - [Merchant of Record for Indie Developers: The Practical Global Playbook](https://dodopayments.com/blogs/merchant-of-record-for-indie-developers): A practical guide to choosing a Merchant of Record for indie developers and indie hackers, with a clear breakdown of tax, compliance, global sales risk, and implementation steps. - [Merchant of Record for SaaS: Why It Matters and How to Choose the Right Partner](https://dodopayments.com/blogs/merchant-of-record-for-saas): Learn why SaaS companies use a Merchant of Record, what capabilities matter most, and how to evaluate providers for tax, compliance, billing, and global growth. - [Merchant of Record vs Payment Service Provider: Which Model Fits Your Business?](https://dodopayments.com/blogs/merchant-of-record-vs-payment-service-provider): Compare Merchant of Record and Payment Service Provider models across tax, compliance, risk, and cost so you can choose the right setup for global SaaS growth. - [Shopify Merchant of Record: What Shopify Handles vs What You Still Own](https://dodopayments.com/blogs/shopify-merchant-of-record): A detailed guide to Shopify Merchant of Record decisions for digital products, including Shopify's actual role, where liability stays with merchants, and how Dodo Payments complements Shopify. - [What Is a Merchant of Record? Complete Guide for SaaS and Digital Products](https://dodopayments.com/blogs/what-is-a-merchant-of-record): Learn what a Merchant of Record is, how the MoR model works, and why SaaS teams use it to handle global payments, tax compliance, chargebacks, and cross-border growth. - [Cheapest Merchant of Record for SaaS in 2026: Full Pricing Breakdown](https://dodopayments.com/blogs/cheapest-merchant-of-record): Looking for the cheapest merchant of record for SaaS? This answer-first guide compares Dodo Payments, Creem, Paddle, FastSpring, Lemon Squeezy, Gumroad, and Whop using real pricing and total cost of ownership math. - [The Financial Impact of Switching to Merchant of Record for SaaS](https://dodopayments.com/blogs/merchant-of-record-financial): Understand the real financial impact of switching to a Merchant of Record, including fees, cash flow tradeoffs, and tax-compliance savings for SaaS. - [Paddle Review 2026: Pricing, Features, Tax Handling and Gaps](https://dodopayments.com/blogs/paddle-review): This Paddle review covers pricing, tax scope, checkout UX, payout trade-offs, and whether Paddle is still a good fit for SaaS teams in 2026. - [From Arm Pain to Payment Links: Why DictationDaddy Choose Dodo Payments as their Merchant of Record](https://dodopayments.com/blogs/saas-payments-merchant-of-record): Read how DictationDaddy launched faster with Dodo Payments as Merchant of Record, using simple payment links and webhooks without setup delays. - [Merchant of Record In Philippines](https://dodopayments.com/blogs/merchant-of-record-philippines): See how Philippine SaaS teams use a Merchant of Record to localize global payments, automate VAT compliance, and improve cross-border checkout conversion. - [Best Polar.sh Alternatives for SaaS Billing](https://dodopayments.com/blogs/polar-alternatives-saas-billing): Compare top Polar.sh alternatives for SaaS billing in 2026 with pricing, tax compliance, developer experience, and global payment coverage compared. - [Merchant of Record in Mexico](https://dodopayments.com/blogs/merchant-of-record-in-mexico): Learn how Mexican SaaS companies can expand globally with a Merchant of Record, handling local payments, 16% VAT compliance, fraud, and operations. - [Dodo Payments: How Merchant Insights Drive Innovation](https://dodopayments.com/blogs/merchant-insights-innovation-dodo-payments): See how Dodo Payments turns merchant feedback into product innovation using community insights, prioritization frameworks, and fast feature delivery. - [Merchant of Record in France](https://dodopayments.com/blogs/merchant-of-record-in-france): Learn how French SaaS companies use a Merchant of Record to manage VAT, support local and global payment methods, and scale internationally. - [Merchant of Record in South Korea](https://dodopayments.com/blogs/merchant-of-record-in-southkorea): See how South Korean SaaS companies use a Merchant of Record to manage global payments, tax compliance, and invoicing without building local entities. - [Merchant of Record In Sri Lanka](https://dodopayments.com/blogs/merchant-of-record-in-srilanka): Discover how Sri Lankan SaaS startups use a Merchant of Record to handle 18% VAT, cross-border payments, and global compliance from one setup. - [Merchant of Record in Indonesia](https://dodopayments.com/blogs/merchant-of-record-in-indonesia): Discover how Indonesian SaaS teams use a Merchant of Record to accept global currencies, automate taxes, and expand without foreign entities. - [Merchant of Record in Bangladesh](https://dodopayments.com/blogs/merchant-of-record-in-bangladesh): See why Bangladesh SaaS companies use a Merchant of Record to accept global payments, handle VAT compliance, and expand without foreign entities. - [Merchant of Record in Nigeria](https://dodopayments.com/blogs/merchant-of-record-in-nigeria): Learn how Nigerian SaaS teams use a Merchant of Record to solve cross-border payments, automate VAT compliance, and scale globally without entities. - [What is Stripe MoR?](https://dodopayments.com/blogs/stripe-mor): Understand Stripe Managed Payments in 2026 and compare Stripe MoR vs Dodo Payments on compliance, global coverage, pricing, and onboarding. - [Best Merchant of Record Software in 2026](https://dodopayments.com/blogs/top-merchant-of-record-software): Compare the top merchant of record platforms for 2026 with pricing, global coverage, tax handling, and compliance features for SaaS businesses. - [Unlocking Merchant of Record (MoR) Potential Across Industries with Billing Software](https://dodopayments.com/blogs/merchant-of-record-billing-software): Discover how billing software and Merchant of Record services help industries automate compliance, manage subscriptions, and scale global payments. - [Merchant of Record for Small-Medium Scale Businesses](https://dodopayments.com/blogs/merchant-of-record-for-small-medium-business): Explore how small and medium businesses use a Merchant of Record to handle tax compliance, prevent fraud, and simplify cross-border payments. - [Merchant of Record in Morocco](https://dodopayments.com/blogs/merchant-of-record-morocco): Explore how Moroccan SaaS businesses use a Merchant of Record to simplify global payments, e-invoicing compliance, VAT handling, and fraud protection. - [Payment Facilitator (Payfac) vs a Merchant of Record (MoR)](https://dodopayments.com/blogs/merchant-of-record-vs-payfac): Compare Payment Facilitator vs Merchant of Record models to choose the right setup for global payments, tax compliance, risk, and scaling goals. - [Merchant of Record In China](https://dodopayments.com/blogs/merchant-of-record-china): See how Chinese SaaS companies use a Merchant of Record to handle global payments, automate tax compliance, and expand internationally with less risk. - [Why Have Additional Fees on an MoR vs a PG?](https://dodopayments.com/blogs/why-have-additional-fees-on-an-merchant-of-record-vs-a-payment-gateway): Understand why Merchant of Record fees can outperform payment gateways by covering tax, compliance, fraud risk, and global payment complexity. - [Merchant of Record for Marketplaces](https://dodopayments.com/blogs/merchant-of-record-marketplaces): Learn why marketplaces use a Merchant of Record to manage global payments, tax obligations, invoicing, and compliance while scaling across borders. - [Unlocking MoR Potential Across Industries with Billing Software](https://dodopayments.com/blogs/global-billing): See how Merchant of Record billing software helps ecommerce, SaaS, healthcare, and education teams automate compliance, payments, and growth. - [Merchant of Record for Digital Creators](https://dodopayments.com/blogs/merchant-of-record-digital-creator): How digital creators use a Merchant of Record to automate taxes, prevent fraud, handle chargebacks, and scale global sales without compliance overhead. - [Importance Of Merchant of Record For Brazil](https://dodopayments.com/blogs/merchant-of-record-brazil): Learn why businesses in Brazil need a Merchant of Record to handle global tax compliance, payment localization, fraud prevention, and expansion. - [Is PayPal a Merchant of Record or a Payment Service Provider?](https://dodopayments.com/blogs/merchant-of-record-vs-psp): Learn whether PayPal is a PSP or Merchant of Record, and how to choose the right model for global SaaS payments, taxes, and compliance workflows. - [Merchant of Record for Travel](https://dodopayments.com/blogs/merchant-of-record-travel): Discover how travel platforms use a Merchant of Record to manage global payments, tax compliance, refunds, and chargebacks across regions. - [Merchant of Record for Solo Builders Selling Digital Products](https://dodopayments.com/blogs/merchant-of-record-freelancer): How solo founders, indie hackers, and SaaS or AI builders use a Merchant of Record to sell digital products globally, automate tax, and stay compliant, plus where pure-services freelancing falls outside this model. - [How does a Merchant of Record cut Health tech Risks](https://dodopayments.com/blogs/merchant-of-record-healthtech): Discover how HealthTech companies use a Merchant of Record to reduce compliance risk, secure payments, and scale internationally with confidence. - [Merchant of Record in EdTech](https://dodopayments.com/blogs/merchant-of-record-edtech): Learn why EdTech companies use a Merchant of Record to simplify global payments, automate tax compliance, and scale faster across regions. - [Merchant of Record For AI](https://dodopayments.com/blogs/merchant-of-record-ai): Learn why AI solopreneurs use a Merchant of Record to simplify global payments, tax compliance, and operations while scaling AI wrapper products. - [How to Use a Merchant of Record in Poland In 2026](https://dodopayments.com/blogs/merchant-of-record-poland): Learn how Polish SaaS businesses use a Merchant of Record to accept global payments, automate VAT compliance, and expand without foreign entities. - [Merchant of Record vs Seller of Record Explained](https://dodopayments.com/blogs/merchant-of-record-vs-seller-of-record): Understand the difference between Merchant of Record and Seller of Record, including tax liability, compliance responsibilities, and which model fits SaaS. - [Merchant of Record In Vietnam](https://dodopayments.com/blogs/merchant-of-record-vietnam): See how Vietnamese SaaS teams use a Merchant of Record to handle global payments, tax compliance, and multi-currency billing without foreign entities. - [Merchant of Record in Turkey: Tax, Compliance and Payment Guide](https://dodopayments.com/blogs/merchant-of-record-turkey): How merchant of record services handle Turkish VAT, payment regulations, and compliance for SaaS companies selling to customers in Turkey. - [Individual Business Using Merchant of Records](https://dodopayments.com/blogs/merchant-of-record-for-individuals): Learn how solopreneurs use a Merchant of Record to sell globally without a registered company while outsourcing tax, compliance, and payments. - [Is Stripe a Merchant of Record? Best Alternative in 2026](https://dodopayments.com/blogs/stripe-vs-merchant-of-records): Is Stripe a Merchant of Record in 2026? Learn where Stripe Managed Payments helps, where liability still stays with you, and how to evaluate MoR alternatives for global SaaS growth. - [The Best Digital River Alternatives to Watch in 2026](https://dodopayments.com/blogs/digital-river-alternative): Compare Digital River alternatives for 2026 with a practical switch plan for SaaS teams that need faster onboarding, global tax compliance, and dependable Merchant of Record coverage. - [PayPal or Merchant of Record: What's Best for Your SaaS?](https://dodopayments.com/blogs/paypal-or-merchant-of-record): PayPal is a payment processor, not a Merchant of Record. Compare what each model covers for SaaS, with verified PayPal fees, tax and chargeback responsibility, and subscription depth before you choose a billing stack. - [Why is UPI in a Merchant of Record Important?](https://dodopayments.com/blogs/upi-for-mor): Learn why UPI support in a Merchant of Record setup matters for Indian SaaS, from localized checkout and higher conversions to smoother compliance. - [Guide to Sales Tax for SaaS in the US (2026)](https://dodopayments.com/blogs/us-sales-tax-saas): Navigate US SaaS sales tax in 2026 with a clear guide to state taxability, economic nexus, compliance risks, and Merchant of Record support. - [Lemon Squeezy Alternatives for SaaS Founders (2026)](https://dodopayments.com/blogs/lemon-squeezy-alternatives): Compare Lemon Squeezy alternatives for 2026 with features, pricing, MoR capabilities, and onboarding experience rated for SaaS founders. - [Best Gumroad Alternatives in 2026: 6 Platforms Compared](https://dodopayments.com/blogs/gumroad-alternatives): Compare the six best Gumroad alternatives in 2026 for creators and SaaS teams, including Dodo Payments, Lemon Squeezy, Payhip, Whop, Shopify, and Paddle, with fees, tax coverage, and who each platform actually fits. - [Why We Slashed Our Pricing for Dodo Payments' Beta Users](https://dodopayments.com/blogs/beta-pricing-drop): Why we cut beta pricing from 5% to 4%: how early adopters benefit from lower fees while keeping full Merchant of Record coverage. - [Why Indie Hackers Lose Revenue Without a Merchant of Record](https://dodopayments.com/blogs/indie-hackers-lose-revenue-without-merchant-of-record): See why indie hackers lose revenue without a Merchant of Record and how MoR support for tax, payments, and fraud prevention protects growth. - [7 Key Features to Look for in a Merchant of Record Service as a Micro-SaaS Founder](https://dodopayments.com/blogs/key-features-merchant-of-record-micro-saas): Explore 7 must-have Merchant of Record features for micro-SaaS founders, from global tax compliance to fraud handling and scalable subscriptions. - [10 Real-World Uses of a Merchant of Record (MoR)](https://dodopayments.com/blogs/merchant-of-record-use-cases): Explore 10 real-world Merchant of Record examples and see how leading platforms simplify payments, tax compliance, and global transaction operations. - [Top 3 Merchant of Record for selling SaaS out of India [2026]](https://dodopayments.com/blogs/top-merchant-of-record-for-saas-india): Compare the top Merchant of Record options for Indian SaaS in 2026, including Paddle, Lemon Squeezy, and Dodo Payments with key tradeoffs. - [Top Pricing Mistakes Founders Make (and How to Avoid Them)](https://dodopayments.com/blogs/top-pricing-mistakes-founders-make): Learn the top SaaS pricing mistakes founders make, from underpricing to poor segmentation, and get practical fixes to improve growth and retention. - [Top 5 Lemon Squeezy Alternatives Compared](https://dodopayments.com/blogs/top-5-alternatives-to-lemon-squeezy): Side-by-side comparison of 5 Lemon Squeezy alternatives with pricing, pros, cons, and feature analysis for indie developers and SaaS founders. - [5 Automation Tools to Keep Your International Taxes in Check](https://dodopayments.com/blogs/how-to-automate-global-tax-compliance-a-solopreneur-s-toolkit): Discover 5 automation tools that help SaaS solopreneurs manage international taxes, reduce compliance risk, and scale without manual tax work. - [Indian B2C MicroSaaS: Invoicing & Billing simplified with an MoR](https://dodopayments.com/blogs/b2c-billing-for-indian-microsaas-with-merchant-of-record): Learn how Indian MicroSaaS founders can simplify B2C billing, invoicing, taxes, and global payments by using a Merchant of Record. - [How Indie Hackers Can Scale Globally: Merchant of Record is the answer](https://dodopayments.com/blogs/how-indiehackers-can-scale-globally-with-a-merchant-of-record): Learn how indie hackers can scale globally with a Merchant of Record by simplifying taxes, currency, fraud prevention, and local payments. - [What Is a Merchant of Record? How MoR Works](https://dodopayments.com/blogs/simplifying-your-global-payments-with-merchant-of-record): Learn what a Merchant of Record is and how MoR simplifies global payments through tax compliance, dispute handling, and scalable checkout infrastructure. --- **Dodo Payments** -- The billing & payments platform for AI-first companies. [Payments](https://dodopayments.com/payments) | [Billing](https://dodopayments.com/billing) | [Distribution](https://dodopayments.com/distribution) | [Pricing](https://dodopayments.com/pricing) | [Documentation](https://docs.dodopayments.com) | [Dashboard](https://app.dodopayments.com)