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Overview

A merchant of record (sometimes shortened to “MoR”) is a legal entity that takes on the responsibility of selling goods and services to end customers, handling everything from payments to compliance.

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What is a Merchant of Record?

A Merchant of Record (MoR) is the legal entity responsible for selling goods or services to end customers. When customers make a purchase through Creem, they are technically buying from us as the Merchant of Record. This means we handle all aspects of the transaction, including payment processing, sales tax collection, refund management, chargeback handling, etc.

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Is Creem a Merchant of Record?

Yes! Creem acts as your Merchant of Record, taking on all the complex financial and legal responsibilities so you can focus on what matters most - building and growing your SaaS business.
We handle:
  • Payment processing and tax compliance across different markets
  • Management of refunds and chargebacks
  • Sales tax collection and remittance

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Further reading

Want to learn more about how the Merchant of Record model works? Learn more about MoR. Read our detailed guide on Understanding the Merchant of Record Business Model, where we break down the key benefits and explain why it’s crucial for modern and lean SaaS businesses.