Payment Responsibility Articles

Choosing Escrow, MoR, or Direct Payment by Operational Ownership

Escrow, Merchant of Record and direct payment processing answer different questions. Escrow controls when held funds may be released. Merchant of Record identifies the customer-facing merchant; a reseller/MoR service can also take on defined tax and billing operations. Direct processing lets the identified seller collect through a processor. A marketplace can combine these roles, so map the seller, custodian and payment path separately before choosing a provider.