Merchant of Record

Sell to the world.
We do the rest.

ExosPay becomes the merchant of record for approved cross-border sellers. We take on the sale, settle the money in your currency, and handle what comes after checkout — so you reach US and EU customers from wherever you build.

MoRLegal seller
US + EUTarget markets
Your currencySettlement
ApplicationAccess model
Who we work with

Built for approved cross-border sellers.

ExosPay is application-based. We work with a limited number of approved, incorporated businesses. Every account is subject to review — we verify your business, your product category, and the markets you sell into. Not every applicant or product category is accepted. We currently onboard sellers in selected physical-goods and vetted digital categories. Approved sellers receive written terms before going live.

Physical

Physical-goods sellers

For approved incorporated sellers preparing to route inventory through the ExosPay hub as it launches.

Digital

Digital & SaaS sellers

For approved software and digital-goods businesses. Merchant-of-record service is available today without a hub dependency.

I.Why ExosPay

Great products come from everywhere. Getting paid across borders shouldn't mean foreign entities, bank accounts, and processors that turn you away. As your merchant of record, ExosPay is the legal seller to your customer — you price in your market, and your money arrives in your currency.

Seller

Seller of record

We are the legal merchant to your customer.

After checkout

After checkout, handled

Settlement, tax, and compliance — with fulfillment, returns, and customs on our roadmap.

Markets

Cross-border first

Purpose-built for sellers outside the US and EU.

Access

Approved & underwritten

Application-based access for incorporated businesses.


II.How it works

From application to paid.

Apply, complete review, onboard, and let ExosPay handle the sale through settlement. Hub-based fulfillment joins this flow as it launches.

01

Apply

Submit your business for review.

02

Get approved

We verify your entity, category, and markets.

03

Onboard

Connect your storefront or use our checkout.

04

We sell & collect

We become the merchant of record, sell to your customer, and collect the payment.

05

Get paid

We remit to your bank in your currency, on your agreed schedule.


III.What we handle

From sale to settlement, handled.

One accountable merchant-of-record relationship for the work around every approved sale.

Merchant of record

We are the legal seller, so you carry neither the processor relationship nor the compliance load.

Settlement in your currency

We remit approved settlements to your bank in your agreed currency and schedule.

Tax & compliance

Sales tax, VAT and GST handled where we're registered.

Disputes & chargebacks

Managed under your seller agreement.


IV.Who it's for

Two tracks. One reviewed relationship.

Physical

Physical-goods cross-border sellers

Incorporated sellers shipping into the US and EU, with hub-based fulfillment and returns launching.

Digital

Vetted digital sellers

Software and digital-goods businesses that pass review, with no hub dependency.


V.Pricing

Custom pricing on application.

Pricing is quoted per business, after review. Your rate depends on your product category, volume, destination markets, and the services you use — settlement, and where available, fulfillment, returns, customs, and tax. There is no universal published rate. Approved sellers receive written pricing before going live.

See pricing

VI.Questions

Answered plainly.

What is a merchant of record?+
A merchant of record is the legal entity that sells to the end customer. ExosPay becomes that seller for approved businesses and handles the sale, tax, compliance, disputes, and settlement under written terms.
Who is eligible to apply?+
ExosPay is application-based. We review your incorporated business, product category, and destination markets. Not every applicant or product category is accepted.
Do you support both physical and digital sellers?+
Digital and SaaS merchant-of-record service is available today without a hub dependency. Physical-goods onboarding will use the ExosPay hub as it launches.
How is pricing set?+
Pricing is quoted per business after review. Approved sellers receive written pricing before going live; there is no universal published rate.
How are disputes and chargebacks handled?+
Disputes and chargebacks are managed under your seller agreement. Responsibilities, evidence requirements, and outcomes follow the written terms agreed before going live.
How do I get paid?+
We remit approved settlements to your bank in your agreed currency and on the schedule documented in your seller terms.
Apply

Ready to sell to the world?

Apply for review. Approved sellers get written terms before going live.

Every application is reviewed