# Merchant of Record for AI apps & creators

> Merchant-of-record checkouts: you are not the merchant of record, sales tax and VAT are collected at checkout and remitted for you, and agents build the checkout via MCP.

Canonical HTML: https://www.payments.ai/mor/

## What you get

- No foreign entity needed
- No tax registration on your side
- MCP + SDK included
- 2.7% + $0.30 per successful card transaction (processing; tax handling, BNPL, and payouts priced separately)

## Included

- No Foreign Entity Required
- You're not the merchant of record
- Reconciled net payouts
- AI-Ready SDKs & MCP
- VAT and sales tax collected at checkout
- VISA RDR Chargeback Protection
- Auditor-Ready Net Payouts
- No setup fee
- No monthly minimum
- No PCI fee

## Setup over MCP

### 1. Add the skill

Works with Claude Desktop, Cursor, and any MCP-compatible tool. Install our official skill directly from our repository.

`> npx skills add paymentsai/Payments-AI-skills`

### 2. Connect the MCP server

The first tool call opens a browser. You sign in once and grant your agent access to your Merchant of Record infrastructure. There is no key to copy.

`> claude mcp add --transport http payments-ai https://managed.payments.ai/api/mcp`

### 3. Prompt your revenue

No API docs to read. Just tell your agent what you want to monetize. It builds the checkout, while we handle the compliance.

`"Create a payment link for a $29/mo Pro plan with a 14-day trial."`

## Compared with running your own merchant of record

### Integration Speed

- **On your own**: Weeks of API docs, webhooks & manual wiring
- **With Payments AI**: One MCP command — your AI agent builds it

### Global Tax & VAT

- **On your own**: You research, calculate & remit manually
- **With Payments AI**: Calculated and collected at checkout. Collected and remitted for you across the US, EU, and UK.

### Legal Liability

- **On your own**: You are the Merchant of Record — every risk is yours
- **With Payments AI**: A registered merchant of record is the seller of record, not you. Tax registration, filing, and remittance are not yours.

### Fraud & Chargebacks

- **On your own**: You absorb disputes and chargeback costs
- **With Payments AI**: We file the dispute response with the card networks. The $15 dispute fee and the chargeback amount are still passed through to you.

## Pricing

2.7% + $0.30 per successful card transaction. Itemized fees: https://www.payments.ai/mor/pricing.md

## Where to go next

- Sign up: https://managed.payments.ai
- MCP setup detail: https://www.payments.ai/mor/mcp/
- Payment orchestration for platforms: https://www.payments.ai/platforms/

## Machine-readable

- Site summary: https://www.payments.ai/llms.txt
- Page index (JSON): https://www.payments.ai/api/v1/pages.json
- OpenAPI description: https://www.payments.ai/openapi.json
- Documentation: https://docs.payments.ai