Browse 3 Gruv blog articles tagged Platform Liability. Coverage includes Business Structure & Compliance and Payment Protection & Finance. Practical guides, examples, and checklists for cross-border payments, tax, compliance, invoicing, and global operations.
The practical question is often who absorbs the first operational loss, not whether "the AI pays." In practice, the party closest to the transaction flow may have to act first. Liability is sorted out later through contracts, evidence, and local legal rules.
For platform teams, **what is merchant of record** is not a vocabulary quiz. It is the decision about who stands behind the sale when money moves, taxes attach, refunds reverse revenue, and a card dispute lands after launch. In 2026, the safest starting point is still to map responsibilities before you compare feature lists.
If you run a marketplace platform or an embedded payments product, generic merchant advice leaves gaps. This playbook is for the team making decisions across product, ops, finance, and engineering, not a single merchant storefront.