The growth Merchant of Record
We sell your SaaS in our name in 190+ countries and file the tax. Then Pricing Intelligence helps you earn more from the users you already have.
Included on every plan: Pricing Intelligence
What is a growth Merchant of Record?
A growth Merchant of Record sells your product in its own name, takes the card payment, files VAT and sales tax and handles disputes. It also helps you grow: AgentaOS includes Pricing Intelligence that tries your product like a customer, finds why users don’t pay, tells you what to charge and keeps checking after launch.
Who helps you grow?
A processor moves the money. A Merchant of Record also takes on the tax. A growth Merchant of Record also helps more users pay.
| Payment processor | Merchant of Record | Growth Merchant of Record | |
|---|---|---|---|
| Who is the legal seller | You | The Merchant of Record | AgentaOS (Aristokrates OÜ) |
| Who files VAT and sales tax | You | The Merchant of Record | AgentaOS, in 135+ jurisdictions |
| Who handles disputes | You | The Merchant of Record | AgentaOS |
| Helps you earn more | No | Not usually part of the service | Pricing Intelligence, included |
| Tells you what to charge | No | No | Yes, and what stays free |
General categories, not any one provider. For fees side by side, see the Merchant of Record comparison.
More users pay
Paste your product link. Two AI agents do the rest.
- Step 1
It tries your product like a customer
Your site, pricing page, signup and checkout.
- Step 2
It finds why users don’t pay
Your price, your plans, what stays free.
- Step 3
You get the changes, then get paid
Which plans at which price. Cards and subscriptions from 190+ countries, approved in minutes.
Want the details? See how Pricing Intelligence works.
€0 a month to start
You pay per sale. Pricing Intelligence is included.
- Or 1.5% when your buyer pays by bank transfer
- Merchant of Record: tax filed, disputes handled
- Pricing Intelligence and Payments Intelligence included
- Or 1.0% when your buyer pays by bank transfer
- Everything in Pay as you grow
- A lower rate on every card sale
International, premium and commercial cards carry the surcharges in the fee schedule in our Terms. See fees next to every other Merchant of Record on the comparison page.
Questions
Sell from 190+ countries, as an individual or a company.
What is a growth Merchant of Record?
A Merchant of Record that sells your product in its own name, files the tax and handles disputes, and also helps you earn more. AgentaOS includes Pricing Intelligence that finds why users don't pay and tells you what to charge.
How is it different from a regular Merchant of Record?
A regular Merchant of Record takes the payment and the tax work off your hands. A growth Merchant of Record also works on your revenue: it reviews your pricing, ranks the changes worth the most and keeps checking after launch.
Do I need a company?
No. You can sell as an individual or as a company, from 190+ countries. Sanctioned countries are excluded.
Who files the tax?
AgentaOS does, as the legal seller. VAT and sales tax are filed in 135+ jurisdictions. Your own income tax stays yours.
Find out why
nobody pays.
Send your product link. Get the fixes. Take your first payment tomorrow.
€0 a month to start. No card, no US company. Compare every Merchant of Record →