Not every online business can process payments easily through standard payment providers. Certain industries and business models are considered higher risk by banks and payment providers. In this context, the term high risk payment processing is frequently used. Digital platforms, international online services, and subscription based businesses often face [...]

Introduction In modern e-commerce – and especially in digital payment processing – a fundamental misunderstanding persists: The terms Merchant of Record (MoR) and Aggregator model (Sub-Merchant structure) are often used interchangeably. Yet in practice, they differ in critical and non-trivial ways. Both models involve the processing of payments [...]

What is a merchant of record? A merchant of record is a term used in the field of e-commerce and refers to an organisation or company that is responsible for the sale of goods or services. The merchant of record is legally and financially responsible for finalising sales transactions [...]

When customers pay online with a credit card, sensitive payment data is processed. To ensure that this information remains secure, strict global security requirements apply to companies that handle credit card data. PCI DSS compliance refers to meeting these security requirements when processing and protecting cardholder data. The Payment [...]