Billing a customer
Use the Merchant of Record guide when the question starts with an invoice, checkout, or customer payment.
Open guideMerchant of Record and Agent of Record
Separate customer billing from contractor engagement, then confirm who owns each legal, tax, and payment responsibility.
3 articles
Choose the commercial model
Start with the relationship, not the acronym
Merchant of Record and Agent of Record describe different jobs. Begin with who is buying, who is being engaged, who signs the agreement, and who is responsible for the invoice, review, and payment decision.
Engaging a contractor
Use the Agent of Record guide when the question starts with contractor status, agreements, or readiness.
Open guideUnderstanding a blocked step
Use the readiness guide to see which information and decisions should be clear before a workflow advances.
Open guideBefore rollout, confirm the legal and tax roles, approved markets, provider responsibilities, and escalation owner in writing.
Write down who owns each decision
Capture the seller or invoice issuer, contractor-facing entity, classification reviewer, tax owner, payment provider, and support contact for the proposed market. If any role is still unclear, keep it as a rollout question instead of treating a product label as the answer.
What does Merchant of Record mean?
Understand the billing questions a Merchant of Record setup must answer before you issue a payment link.
What does Agent of Record mean?
Understand the contractor, agreement, review, and payment responsibilities to confirm for an Agent of Record setup.
How do readiness checks affect a payout?
See how readiness questions and hold reasons help a team understand what needs attention next.
Still need help?
Tell us what you are trying to do, what you can see, and where the workflow stopped. We will route the question to the right person and follow up.