International payments,
simplified by MerchSales.
From checkout to tax, compliance and chargebacks, MerchSales handles it all as your merchant of record, so you can focus on building your business.
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The silent system powering global commerce.
MerchSales is a merchant of record: an entity that processes payments and takes full responsibility for taxes and compliance, providing a complete solution for your modern global business.
MerchSales lets merchants stay focused on product and operations while the financial layer runs in the background.
Your business,
our solution.
An all-in-one cross-border solution: merchants run the business, MerchSales runs the money movement.
Global buyer checkout
Your products have reached the world. Let your buyers reach you. Cards, wallets, BNPL and the local methods buyers actually use, in one flow that adapts.
Flexible billing models
Subscriptions, one-time purchases and retainers, all billed under a merchant of record.
Settlement flexibility
Settle in INR or USD to your account over compliant rails. FIRC documents are generated automatically.
The industry's most complete merchant of record suite.
Four pillars that cover the full cross-border lifecycle, from the first payment to the last dispute.
Payments
Domestic checkout for global buyers. Cards, wallets and pay-later, plus agent-initiated flows on a scalable MoR platform.
Tax
Automated tax calculation, collection and remittance across multiple jurisdictions.
Compliance
Built-in compliance workflows with KYC, AML and regulatory safeguards for global commerce.
Chargebacks
Centralised dispute management and fraud prevention in one place.
Maximise approvals,
drive growth.
Every transaction is routed to look and feel domestic: fewer decline patterns, higher approval rates.
Localised checkout
Buyers see a domestic flow with their preferred methods. Cross-border friction disappears at the buyer's end.
Domestic processing
MerchSales processes via a local acquirer. No cross-border decline patterns. No international card flags.
Adaptive authentication and risk
3DS and risk screening calibrated for low-friction approvals, for people, teams or AI agents.
Secure at every step.
End-to-end protection across payments, compliance and data infrastructure.
End-to-end encryption
Built on PCI DSS-aligned infrastructure.
Strong customer authentication
Applied at checkout with adaptive flows.
Data protection
Audited partners, with sanctions screening and monitoring built into the merchant of record posture.
Frequently asked questions
What you need to know about MerchSales and how it works for your business.
What is a merchant of record?
A merchant of record (MoR) is the legal entity responsible for selling products or services to customers. MerchSales handles payments, tax compliance, fraud management and regulatory responsibilities on your behalf.
How is MerchSales different from a payment processor?
Unlike a traditional payment processor, MerchSales acts as the merchant of record, taking responsibility for compliance, taxation, settlements, fraud prevention and global payment infrastructure.
Do I need a US entity to sell to US customers from India?
No. MerchSales enables Indian businesses to sell globally without a US entity, through compliant cross-border payment and settlement infrastructure.
Which payment methods are supported?
Cards, wallets, BNPL, local payment methods, bank transfers and other region-specific checkout options.
How do I request a refund?
Write to support@merchsales.com with your order number, transaction reference, email address and the reason for the request. Each request is assessed against the seller's refund policy, or MerchSales fallback terms where none applies.