Seller of record
We collect payment and stand as the seller on record — the name on the customer's receipt and card statement.
Merchant of Record
We're on the hook,
We're on the hook,
not you.
A Merchant of Record is the seller on record for each sale — collecting payment, remitting tax, and owning disputes. On Managed mode, that's ZeroSettle. On BYOS (Bring Your Own Stripe), it's you, on your own account.
Fees apply only to web-checkout revenue — native store sales are never charged a ZeroSettle fee.
The role
Four things off your plate.
Four responsibilities sit with whoever is the Merchant of Record for a web-checkout sale. On Managed mode, ZeroSettle carries every one of them.
Tax & VAT remittance
We calculate, collect, and remit global sales tax, VAT, and GST — registering and filing in each jurisdiction where it's owed.
Chargebacks & fraud
We own dispute handling and fraud liability — screening payments, answering chargebacks, absorbing the operational load.
Billing support & refunds
We handle customer billing questions, payment issues, and refund processing for every sale we're the merchant on.
Managed vs BYOS
Two ways to run direct billing.
On Managed, ZeroSettle is the Merchant of Record and carries tax, disputes, and support. On BYOS you bring your own Stripe, stay the merchant, and pay a lower platform fee.
Recommended
Managed
ZeroSettle is the Merchant of Record
5% + 50¢per web-checkout transaction · all-in
Merchant of RecordZeroSettle is the seller on record
Global tax remittanceIncluded · sales tax, VAT, GST across 190+ countries
Chargebacks & fraudIncluded · liability sits with us
Customer billing supportIncluded · we field billing questions and refunds
PayoutsStripe Connect Express
BYOS
Bring your own Stripe · you're the Merchant of Record
0.5%of revenue + your own Stripe fees
Merchant of RecordYou are, on your own Stripe account
Global tax remittanceYou handle via your Stripe
Chargebacks & fraudYou handle via your Stripe
Customer billing supportYou handle
PayoutsStripe Connect Standard
Fees apply only to revenue you run through ZeroSettle's web checkout — native store sales are never charged a ZeroSettle fee. Switching between modes is a configuration change in the dashboard, not a re-integration.
What you keep
Keep-rate climbs with the ticket.
The all-in share of each web-checkout sale that stays with you — after ZeroSettle's fee and, on BYOS, your own Stripe processing. Either mode beats the ~70% left after the app stores' 30% cut.
| Price | Managed5% + 50¢ all-in · we're the MoR | BYOS0.5% + your Stripe (~2.9% + 30¢) |
|---|---|---|
| $4.99 | 85% | ~91% |
| $9.99 | 90% | ~94% |
| $24.99 | 93% | ~95% |
| $99 | 94.5% | ~96% |
Managed keeps a few points less on purpose — because ZeroSettle is on the hook. That fee buys Merchant-of-Record coverage: global tax remittance, chargebacks, fraud liability, and billing support all sit with us. BYOS keeps more because you stay the merchant and take those on yourself, on your own Stripe account. Fixed per-transaction costs (the 50¢, and Stripe's 30¢) weigh more on small prices, which is why keep-rate climbs as the ticket grows.
Billing you own
Your customers
Your customers
stay yours.
On BYOS, you own the Stripe account and you are the Merchant of Record. On Managed, ZeroSettle is the seller on record who carries tax, disputes, and support — but the relationship, and the ability to walk away, stay entirely with you.
You own the customer relationship
Even on Managed, the customer is yours. ZeroSettle never markets to them or sits between you and your users — we settle the transaction and step back.
Subscriptions are portable
Active subscriptions belong to your Stripe customers, not to us. If you leave, they keep renewing where they are — no forced re-subscribe, no billing gap for your users.
No lock-in
Both modes run on Stripe Connect. Export your catalog and customers and move off whenever you want — the exit is a configuration change, not a migration.
Managed mode
Global tax, disputes, support — handled.
As the Merchant of Record on Managed mode, ZeroSettle takes on the obligations of selling worldwide — so you don't track thresholds, file returns, or answer chargebacks yourself.
190+ countries of tax coverage
Sales tax, VAT, and GST calculated, collected, and remitted wherever it's owed.
See how payouts flow →Registration & thresholds tracked
Economic-nexus thresholds are tracked and managed for you as you grow into new markets.
Why direct billing →Dispute handling included
Chargebacks are received, responded to, and resolved on our side. Access is revoked automatically.
See full pricing →Fraud screening
Payments are screened before they settle; fraud liability sits with ZeroSettle as the merchant.
Our compliance →Refunds, revoked instantly
Refunds are processed for you, and entitlement is revoked the moment the refund clears.
How routing works →Invoices & receipts
Tax-compliant invoices and email receipts issued automatically, in every market you price into.
Regional pricing →
Questions
Merchant of Record, precisely.
The obligations of selling worldwide are specific. Here's exactly where each one lands on Managed and on BYOS.
The seller on record for the transaction — the party that collects payment, remits tax, and owns disputes. On Managed mode, that's ZeroSettle. On BYOS, it's you, on your own Stripe account.
Four things: standing as the seller of record, calculating and remitting sales tax, VAT, and GST in 190+ countries, owning chargebacks and fraud liability, and handling customer billing questions and refunds.
Managed is an all-in 5% + 50¢ per web-checkout transaction and includes Merchant-of-Record coverage. BYOS is 0.5% of web-checkout revenue on your own Stripe account, plus your usual Stripe processing fees — and you stay the Merchant of Record.
No fee either way — native store purchases are never charged a ZeroSettle fee, on Managed or BYOS. Merchant-of-Record responsibilities here apply only to ZeroSettle web-checkout sales.
Yes. Both run on Stripe Connect, so moving between Managed and bring-your-own-Stripe is a configuration change in the dashboard, not a re-integration.
Start with one product
A calmer way to grow app revenue.
Connect your catalog, unify customer access, and launch your first pricing experiment. Turn on Autopilot when you're ready to scale.