The legal shield

Merchant of record for SaaS & AI

Code ships worldwide. Tax rules do not.

Sell in 135+ countries without opening local entities. Kelviq becomes the reseller, collects and remits tax, issues compliant invoices, and handles refunds and disputes.

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135+ countries Compliant invoices VAT, GST, sales tax AI credits ledger Usage deductions Dispute handling
How it works
Seller on record: Kelviq
Customer
Pays in local currency
Kelviq
Key
Charges card, collects tax, issues invoice
Payout to you
One clean payout stream
Tax handled
VAT, GST, sales tax
Calculated and remitted
Risk handled
Refunds and disputes
Fraud liability on Kelviq
Invoice snapshot
Example
Seller Kelviq
Product Your SaaS plan
Tax Included
Total €49.00

Built for global checkout, not global paperwork

Ship product. Stay clean.

SaaS AI tools Developer products Subscriptions
Invoices included Refund handling Multi-currency
REALITY CHECK

Global sales trigger local rules

Your product can sell anywhere. Your obligations cannot. The first sale in a new region can create tax, invoice, and refund duties.

Ignoring it does not remove the liability. It delays it.

See how MoR works Explore capabilities
The things that quietly add up
Tax rules change by place
Rates and thresholds vary across countries and states.
Invoices are not optional
Fields and formats differ by region and buyer type.
Chargebacks stack up
Disputes can hurt your acceptance rates.
Audits come later
The risk is delayed, which makes it easy to ignore.
The simple fix

Put a legal seller in front of the transaction. That is what a Merchant of Record does.

THE SHIELD

Kelviq is the seller on record

Merchant of Record means the customer buys from Kelviq. We take on tax, invoicing, refunds, and dispute liability as the legal seller.

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CAPABILITIES

Everything your checkout needs to be global

Each feature exists for a reason: fewer surprises, fewer manual tasks, fewer legal gaps.

What teams want
Sell in more countries
Stop worrying about tax
Get clean invoices
Stay audit ready
Global tax handling
We calculate, collect, and remit VAT, GST, and sales tax where required.
Tax at checkout
Remittance included
Clean reporting
Compliant invoices
Invoices and receipts with the right seller details and required fields.
Seller details included
Receipts included
Easy for customers
Reporting
See revenue, tax, refunds, disputes, and payouts in one place.
Ready for audits
Export ready
Team ready
Multi-currency checkout
Charge in your customer’s local currency.
Local currency
Single payouts
Fewer fee surprises
Refunds and disputes
Refund handling and chargeback workflows.
Clear process
Lower losses
Less admin work
COMPARISON

Processors move money. MoR moves liability.

A payment processor helps you accept payments. Merchant of Record defines who sells, who invoices, and who holds the risk.

Best fit
Global SaaS and AI products
Teams without tax ops
Companies that need compliant invoices
Companies that need usage, and credit ledgers
Feature
Payment processor
Kelviq MoR
Payment processing
Included
Included
Seller on record
You
Kelviq
Tax responsibility
You
Kelviq
Tax remittance
You manage
Included
Invoices
You implement
Included
Disputes and chargebacks
Mostly on you
On Kelviq
The common trap

Global checkout goes live; taxes and invoices scramble later.

The clean path

MoR puts a legal seller in front, so growth does not create hidden work.

CAPABILITIES

From first sale to enterprise deals

The price changes as you grow. The rules do not. Kelviq helps you stay clean while you scale.

Indie
Launch global checkout without building tax ops.
Fast setup
Local currency
Invoices included
Startup
Expand into more regions without adding legal work to every sprint.
Tax handled
Refund process
Dispute workflows
Scale
Stay ready for procurement, finance reviews, and due diligence.
Reporting
Audit exports
Stable payouts
THE LEGAL SHIELD

Stop doing legal work in your sprint cycle

Kelviq handles tax, invoices, refunds, disputes, and payout reporting as your Merchant of Record.

What you get
Tax collected and remitted
Invoices and receipts
Refund and dispute handling
Simple payouts and reporting
FAQs

Merchant of Record FAQ

Everything you need to know about MoR, tax, invoices, and disputes.

A Merchant of Record is the legal seller for the transaction. The MoR charges the customer, issues the invoice, collects required tax, and runs refunds and disputes as the seller on record.

A payment processor helps you accept payments. With MoR, Kelviq becomes the seller on record and holds the liability tied to the sale.

In a typical MoR flow, the MoR handles tax collection and remittance as the seller on record for those transactions. Details can vary by region and product.

SaaS subscriptions, AI tools, and digital products delivered online. If you have a special case, talk to Sales.

Start your
software monetization.

Global tax, billing, metering, and entitlements. Ship your revenue stack in one deploy.

Get started

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