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Merchant of Record

What Is Payment Automation? A Guide to Types, Costs, and Setup

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Close to 8.1 billion business-to-business payments were sent over the U.S. ACH Network in 2025. Nacha, which sets the network’s rules, links that growth to companies paying vendors electronically instead of by check. Many of these payments run through payment automation. The software sends a payment on its own when a rule your team sets […]

Merchant of Record

Global Payments PCI Compliance Explained for Cross-Border Sellers

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Global Payments PCI compliance means protecting the card details customers enter during checkout, at home or abroad, and proving to your bank each year that those protections work. The rules come from the Payment Card Industry Data Security Standard (PCI DSS). A US online store that accepts a card from a buyer in Germany, for […]

Merchant of Record

Payment Processor vs. Payment Gateway: Roles, Fees, and Risk Compared

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A 2026 Pew Research Center analysis of Federal Reserve data shows that for online purchases, 92% of Americans favor a credit or debit card. Each of these card payments uses two systems at checkout. The payment gateway takes the card details and encrypts them. The payment processor asks the customer’s bank to approve the sale […]

Incentives & Loyalty

Loyalty Program Automation: Tasks, Tools, and a Step-by-Step Setup

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Loyalty programs create a lot of admin work, like adding points after each purchase and monitoring claims. When this is done manually, mistakes and fraud are easy to miss. Loyalty fraud costs businesses over $1 billion a year, according to a 2024 Ernst & Young study. Loyalty program automation lets software take over these routine […]

Merchant of Record

Global Payment Methods: Types, Costs, and How to Choose the Right Mix

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Global payment methods can be defined as the ways a business collects money from buyers abroad and pays suppliers/vendors in other countries. Most US businesses need more than one method. A buyer in Brazil may expect Pix, while a supplier in Germany may only accept a SEPA bank transfer. Each method travels on a payment […]

Merchant of Record

Digital Wallet vs Bank Account: Which One Fits Cross-Border Payments?

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Banks charged an average of 14.99% to send remittances abroad in Q3 2025, based on World Bank price tracking. Money transfer and mobile operators charged far less, and banks were also the slowest provider type in that data. This guide compares a digital wallet vs bank account for international payments. It covers speed, fees, fund […]

Merchant of Record

Global Merchant of Record for Subscription Businesses

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Subscription businesses expanding globally face a core problem: tax rules, payment methods, and billing systems differ by country. A global MoR solves this by becoming the legal seller of record everywhere you sell. It handles tax compliance, local payment methods, and recurring billing under one contract. This guide covers what a global MoR does, the […]

Merchant of Record

Embedded Finance Trends: How Global Sellers Are Rethinking Payment Infrastructure

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Embedded finance is banking, payments, and lending built directly into the platforms sellers already use, no separate provider needed. The new embedded finance trends are pushing this further: faster cross-border settlement, tighter compliance, and automated payment operations. For global sellers, this is the moment payment infrastructure stops being a back-office tool and becomes a growth […]

Incentives & Loyalty

How to Build a Customer Referral Program in 2026

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Ads are getting expensive, and people trust them less every year. A customer referral program solves both problems at once: it turns happy customers into your sales team, using word-of-mouth that costs a fraction of paid ads. A customer referral program rewards existing customers for bringing in new ones. No cold outreach, no guesswork on […]

Merchant of Record

How Virtual IBANs Power Global Merchant of Record Operations

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Businesses collecting payments across multiple countries often end up managing several local bank accounts just to receive money smoothly. Virtual IBANs solve this: one central account can issue unlimited unique IBANs, each automatically routing funds back to a single master account. This guide explains what virtual IBANs are, how they work, and why eCommerce brands […]

Merchant of Record

Omnichannel Payment Processing: A Complete Guide for Global Businesses

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Customers now expect to pay the same way whether they’re checking out in-store, online, or on a mobile app. Omnichannel payment processing makes this possible by unifying every payment channel into a single system, so transactions, customer data, and reporting stay consistent everywhere. For retail and eCommerce businesses selling across multiple channels and markets, it’s […]

Merchant of Record

What Are Virtual Accounts for Payments? A Complete Guide for Global Businesses

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Virtual accounts for payments let businesses collect and manage international payments without opening bank accounts in every country they sell in. Each customer, currency, or market gets a dedicated account number, and payments are automatically matched and routed to one central account. For eCommerce brands selling globally, this simplifies collection, reconciliation, and payouts. This blog […]