Who owes the tax on your sale: merchant of record or you
The name on your buyer's card statement does not settle who owes the tax. Here is how to tell whether your platform files it or you do, and what each route costs on a $10 sale.
10 articles
The name on your buyer's card statement does not settle who owes the tax. Here is how to tell whether your platform files it or you do, and what each route costs on a $10 sale.
A single purchase can reach your system more than once, by design. What your buyer gets twice depends on what the platform decided counts as the same thing.
A dispute is not a conversation. It is one file upload, under 4.5 MB, inside a window somebody else set - and for a digital sale the proof has to already exist.
A card sale is priced once. A NOWPayments invoice quotes one rate and can settle at another, unless you freeze the ten minutes between. We shipped both flows.
A member upgrades on day nine. Stripe can bill the difference now, at the next renewal, or not at all, and choosing between those is your job, once per switch.
We built the platform side of Stripe Connect. Between connecting it and your first sale sits a verification step no platform shows you, and it reopens later.
We built the refund path for cards, Telegram Stars and crypto. Reversing a sale varies more between rails than making one does; timing matters more than both.
A failed renewal starts a countdown your member cannot see. How long it runs, who gets told, and what removal does are decisions your processor leaves to you.
Your money lands in a Stripe account with your name on it and someone else's settings on it. We built that platform side - here is what those settings do.
We shipped all three payment rails into the same product in ten weeks. The percentage fee turned out to be the least important difference between them.