The decision between aggregator vs payment infrastructure is far more than a technical consideration—it directly defines control, risk, and scalability in payment processing. While aggregator models enable fast onboarding, they rely on a shared infrastructure where merchants operate as part of a broader portfolio. This creates structural dependencies, especially [...]

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 [...]

A Merchant of Record (MoR) is a company or organization that is legally and financially responsible for selling goods or services to the end customer. In the context of e-commerce and digital platforms, the Merchant of Record assumes full responsibility for completing sales transactions. This typically includes payment processing, [...]

When customers pay online by credit card, cardholder data and other security-relevant payment information are processed. Businesses that accept credit card payments, integrate them technically, or influence the payment flow through their own systems are therefore subject to clearly defined security and control requirements. PCI DSS compliance refers to [...]