Merchant of record
Nordgate becomes the legal seller of your software in 140+ countries. Payments, tax, fraud, and refunds become our problem. The product, the pricing, and the customer stay yours.
One integration accepts every method your buyers already use. We settle to you in the currency you choose.
and 80 more140+
countries
90+
methods
100%
liability on us
Why this model
Three things separate Nordgate from a payment processor with a tax bolt-on: the service, the integration, and the people behind every order.
You get a named account team that knows your business, not a ticket queue. We answer the questions a processor cannot: how a settlement was calculated, why a dispute was won, where conversion is leaking by market.
< 4h
median first reply
1
team that owns your account
Service levels are illustrative.
API, hosted checkout, or a mix. Webhooks for every order, payout, and refund, with billing migrated without downtime.
Payments, risk, and tax specialists on call, dispute analysts fighting chargebacks, and buyer support in 30+ languages.
Nordgate vs. do it yourself
Selling software globally on your own means standing up entities, tax filings, and a vendor stack in every market. As your merchant of record, we absorb it.
Comparison is illustrative of a typical cross-border setup.
Order flow
Buyer pays
in their currency and method
Nordgate is the seller
tax and compliance on us
We settle to you
one payout, on your schedule
How it works
We take legal ownership of every sale. The tax bill, the chargeback, and the compliance audit land on Nordgate, not on your team.
What we carry
Everything a merchant of record should own, each one a full discipline rather than a checkbox. You would otherwise stitch these together from a dozen vendors.
Accept 90+ local methods and 45+ currencies through one integration, settled the way you choose.
Share of orders, illustrative.
Recurring revenue the way buyers expect, with failed cards recovered automatically.
Illustrative.
VAT, GST, and sales tax calculated, collected, and filed in every market you reach.
$312K
remitted this month
12
regions filed
Score every order in real time, block the bad ones, and win the disputes that slip through.
Disputes won
fought and recovered on your behalf
Your buyers get help in their own language, day or night, without adding headcount.
30+
languages
24/7
live coverage
Hosted checkout and full storefronts, localized down to the payment method.
and 80 more“We switched off three vendors and a tax engine the week we moved to Nordgate. Reconciliation went from days to minutes.”
“Launching in Japan and Brazil used to be a quarter of legal work. With Nordgate it was a configuration change.”
“Our chargeback rate dropped by half in a quarter, and we retired the payments on-call rotation entirely.”
Still mapping how the merchant of record model fits your stack? Ask us anything.
A merchant of record is the legal seller in a transaction. Nordgate sells your product to the buyer, then pays you, so the payment, tax, and compliance obligations sit with us instead of your company.
No. You keep your branding, pricing, packaging, and the ongoing relationship. Nordgate sits in the transaction layer, not between you and your buyer.
Most teams are live in about two weeks. A hosted checkout can be running the same day you sign up, while a deeper API integration runs in parallel.
We do. As the merchant of record we manage refunds, disputes, and chargeback representment, and we carry the financial liability.
One revenue share per sale, with no setup fees and no monthly platform fee. Higher-volume sellers move to custom rates.
Become the merchant of record
Tell us what you sell and where. We will map the fastest route to revenue and the markets worth opening first.
Or reach us at sales@nordgate.financial