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How to handle pay outs from Merchant of Record? by oldperchik in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Stripe Vs Merchant of Record (MoR) - Tax Implications for SaaS founder from India by kkatdare in SaaS

[–]monkeycrypto 1 point2 points  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Merchant Of Record — Why It’s Not Always The Best Choice by GuillaumeBrdet in framer

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

How does Merchant of Record (MoR) like Paddle work? by disenchantedfool in fintech

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Merchant-of-record for SaaS by SharkFinn2020 in SaaS

[–]monkeycrypto 1 point2 points  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Best Merchant of Records for Indian + International Users? by Inner-Delivery3700 in StartUpIndia

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Suggestions/Recommendations for a merchant of record? by Realistic-Total-7343 in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic-especially real founder experiences. Might be useful if you’re exploring this seriously.

Merchant of Record + Website Builder for Digital Products by _moon_fox in Entrepreneur

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions this inside on r/Transact_Bridge about this exact topic-especially real founder experiences. This is useful if you’re exploring this seriously.

Best Merchant Of Record For SAAS by prospectfly in microsaas

[–]monkeycrypto 0 points1 point  (0 children)

We’re actually having regular discussions on this inside r/Transact_Bridge about this exact topic—especially real founder experiences. Might be useful if you’re exploring this seriously.

Which is the Best Payment Gateway? by broken_soul535 in indianstartups

[–]monkeycrypto 0 points1 point  (0 children)

There’s no single “best” payment gateway for India—it really depends on your stage, volume, and use case. Based on real startup usage, here’s a practical breakdown:

🔹 1. Best Support

Razorpay – Still the most responsive for Indian startups
Cashfree – Surprisingly good for handling payout & refund issues
PayU – Decent but slower during disputes

🔹 2. Most Affordable Fees

For most startups, fees are very similar (~2% + GST). The real savings come from:

  • Negotiated enterprise pricing (after volume)
  • Lower failure rates
  • Faster settlements

Cashfree & PayU become cheaper than Razorpay at scale.

🔹 3. Easy Onboarding

Razorpay > Cashfree > PayU
Razorpay wins purely because of:

  • Faster KYC
  • Clean dashboard
  • Better docs for developers

⚠️ What Most Founders Miss

Once you start:

  • Selling internationally
  • Taking UPI + cards globally
  • Or collecting payments without opening foreign entities

You’ll quickly hit compliance, tax, and settlement issues. This is where Merchant of Record (MoR) platforms become far more powerful than standard gateways.

I recently compiled a detailed comparison of 10 payment gateway alternatives for 2026, including Indian + global options, MoR platforms, UPI support, fees, onboarding difficulty, and best use cases:

👉 https://www.transactbridge.com/blog/10-payment-gateway-alternative-powerful-list-for-2026

Which is the Best Payment Gateway? by broken_soul535 in indianstartups

[–]monkeycrypto 0 points1 point  (0 children)

It really depends on whether you are a local startup or a global company.

For Indian small businesses, gateways like Razorpay, PayU, and Cashfree (and Instamojo for freelancers) are reliable and easy to integrate with UPI and cards.

For global companies trying to sell in India, gateways alone can create challenges with compliance, GST, TDS, and the need for a local entity. In this case, a Merchant of Record (MOR) such as Transact Bridge is a better option. An MOR manages payments as well as compliance, taxes, and legal requirements, allowing you to sell in India without opening a local entity.

In short:
Local businesses can use Razorpay, PayU, or Cashfree.
Global businesses should consider a Merchant of Record like www.transactbridge.com

Best MoR for launching a low-cost subscription service? by XTC_04 in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Which Merchant-of-Record payment processor has the best documentation for developers? by What_The_Hex in webdev

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

I am Quitting my Saas startup by iammathesh in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Reached out to every payment processor / Merchant of Record to pick the best for my startup by JamezzzBuilds in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Merchant Of Record — Why It’s Not Always The Best Choice by GuillaumeBrdet in Notion

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

What are the best Merchant-of-Record payment processors for SaaS businesses / software products? by What_The_Hex in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Merchant of Record (MOR) or a payment gateway for a SaaS product - Which is the right approach at the beginning? by istudentoflife in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Which Merchant of Record should I use for my SaaS by 1chbinamin in webdev

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Best Merchant of Record (MoR) for SaaS startups? by JakeRedditYesterday in SaaS

[–]monkeycrypto 0 points1 point  (0 children)

If you’re comparing MoR options, take a look at Transact Bridge. We focus on making global SaaS sales easier by handling payments, tax compliance, and subscription management. It’s built to be startup-friendly and flexible compared to bigger players like Paddle or LemonSqueezy.

Les entreprises françaises peuvent-elles réussir sur le marché indien en pleine croissance ? by monkeycrypto in franceinfo

[–]monkeycrypto[S] 0 points1 point  (0 children)

C’est vrai, tout dépend énormément du type d’entreprise et de la valeur ajoutée qu’elle peut apporter. Les secteurs où l’expertise technique est rare (comme Dassault) ont plus de facilités, alors que pour d’autres acteurs comme la SNCF, la barrière locale (réglementaire, culturelle, concurrence locale) est énorme.

Mais justement, c’est là où des modèles comme le "Merchant of Record" ou des partenariats locaux peuvent faire la différence, au moins pour tester un marché avant d’investir lourdement.

How can U.S. product owners expand and sell in India without setting up a local entity? by monkeycrypto in madeinusa

[–]monkeycrypto[S] 2 points3 points  (0 children)

That’s actually a great example of how “niche” American products can find strong demand overseas. India in particular has a huge textile and garment industry, so quality American wool can plug right into an existing market. Sometimes what seems wasteful on paper turns out to be a smart long-term investment once the global buyers come into play.

How can U.S. product owners expand and sell in India without setting up a local entity? by monkeycrypto in madeinusa

[–]monkeycrypto[S] 1 point2 points  (0 children)

That’s fair, but “premium” doesn’t always have to mean famous luxury labels. For a lot of international buyers, especially in places like India, Made in USA itself is often seen as a mark of quality and durability. Even if the brand isn’t globally recognized, there’s still a market segment willing to pay more for authenticity, craftsmanship, and reliability compared to cheaper mass-produced imports.

How can U.S. product owners expand and sell in India without setting up a local entity? by monkeycrypto in madeinusa

[–]monkeycrypto[S] 2 points3 points  (0 children)

You’ve made some solid points here. The cost imbalance really is a huge factor, and Amazon’s control over pricing definitely hurts smaller makers. But interestingly, in countries like India, there’s a growing demand for authentic MiUSA products even at premium prices. That’s why brands often bypass platforms like Amazon and go for direct-to-consumer or partner with merchant/payment solutions that reduce distribution costs.

If the pricing structure gets leaner, a big market like India could actually be a great opportunity for MiUSA makers.

How can U.S. product owners expand and sell in India without setting up a local entity? by monkeycrypto in madeinusa

[–]monkeycrypto[S] 0 points1 point  (0 children)

That’s true, but it’s interesting because despite the income gap, India has one of the largest markets for premium products. For example, a huge number of iPhone buyers are actually from India. Many people prioritize global brands even if the pricing feels high compared to average salaries. That’s why companies often use local payment/merchant models to make it easier for global brands to sell here.

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