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What is a Merchant on Record (MOR)?

A merchant on record (MOR) is a merchant that is registered with a payment processor or payment gateway as the entity that will be accepting payments on behalf of a business. The MOR is typically responsible for managing the payment processing for the business and handling any issues that may arise during the transaction process. In some cases, the MOR may also be responsible for providing customer support and handling disputes.

In order to become a merchant on record, a business must typically provide certain information to the payment processor or gateway, such as its business name, contact information, and financial details. The MOR is then responsible for ensuring that all transactions are processed securely and in compliance with relevant laws and regulations.

For example, a small retailer who owns a brick-and-mortar store and accepts credit card payments from customers would be considered a merchant on record.

Overall, the role of the merchant on record is to facilitate the process of accepting payments online and to ensure that transactions are handled smoothly and efficiently.

This page was last updated on January 2, 2023.