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Compare the Top Free Merchants of Record as of November 2025

What is Free Merchants of Record?

A Merchant of Record (MoR) is a business or entity that is responsible for processing transactions, managing payment collections, and ensuring compliance with regulations related to payments. They handle the entire payment process, from authorizing charges to managing refunds and chargebacks, and are the legal entity that appears on a customer's payment statement. The MoR assumes liability for the financial and legal obligations of the transaction, including taxes and customer disputes. In many cases, they also manage payment gateways and ensure secure transaction processing. This role is often outsourced by businesses to third-party payment processors to streamline operations and reduce risk. Compare and read user reviews of the best Free Merchants of Record currently available using the table below. This list is updated regularly.

  • 1
    Paddle

    Paddle

    Paddle Payments

    Paddle is a subscription commerce and billing platform for Software and SaaS companies. It’s more difficult than ever to keep up with customer demands, to find new international growth opportunities, and to manage your internal resources effectively. With Paddle, you spend less time on fixing internal roadblocks and can focus on scaling your business. Paddle provides a full suite of tools from optimized checkout to sell your software, to recurring billing, fraud detection, manual invoicing, sales taxes, global currencies, customer support, analytics and much more, all in one platform. Choose how you want to sell, Paddle supports every type of sales motion. Optimize your checkout for conversions, scale your sales-assisted invoicing to more business accounts, and add subscription billing
  • 2
    Xsolla

    Xsolla

    Xsolla

    Xsolla is the video game ecommerce platform powered by Transaction Engine and Business Engine to help developers and publishers market, sell, connect and optimize their games globally. Serving only the video game industry, the Xsolla Transaction Engine and Business Engine work seamlessly together to solve the complexities of distribution, marketing and monetization so developers, publishers and platform partners can increase their audience, sales and revenue. Market, sell, connect, and optimize your game with one platform, powered by Xsolla Transaction Engine and Business Engine. Accessible solutions that combine our products, industry connections, and expertise to meet your company’s specific needs. Great games can emerge anywhere. We at Xsolla are here to ensure the best ideas get made, get seen, and get played. So we've built a suite of products that remove the barriers between creators and the support they need.
  • 3
    Lemon Squeezy

    Lemon Squeezy

    Lemon Squeezy

    As your merchant of record, we handle the tax compliance burden so you can focus on more revenue and less headache. We’re your merchant of record. That means we handle payments, merchant fees, fraud, and sales tax without you lifting a finger. Launch your secure ecommerce website and start selling software, subscriptions, and digital downloads anywhere in minutes. Utilize no-code checkout links without worrying about design, mobile optimization, or payment integrations. It really is easy-peasy. Don't worry about merchant accounts and billing logic. Choose per seat, usage-based, and more. Customize as little or as much as you like. Automatically issue license keys for your software and apps after each sale. Deactivate, re-issue, and have full control over license management. Build an ecommerce website in minutes without coding or design skills. Customizable, SSL-secured, and mobile-optimized as standard.
    Starting Price: $10 per month
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