European merchant of record (MoR) providers
4 verified European providers, ranked European-origin first (2 EU/EEA-origin). Sell software and SaaS globally without owning tax registrations: the merchant of record resells your product and takes on VAT/sales-tax liability, payments and compliance. European MoRs (Cleverbridge, Nexway) vs the UK/US players - newly relevant after Digital River wound down. Compare by EEA data residency, licence and regulator - each verified at source.
4 verified providers
Last source verification in this list: 2026-07-12. How we verify →
At a glance (4 providers): licences: 4 Vendor; EEA data residency: 2 Yes, 1 No, 1 Partial; headquarters: 2 EU core, 1 UK, 1 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Entry price | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|---|
 Cleverbridge | Germany EU core | Vendor | Yes | – | – | 2026-07-12 | Request intro |
 Nexway | France EU core | Vendor | Yes | – | – | 2026-07-12 | Request intro |
 Paddle | UK UK | Vendor | No | 5% + USD 0.50/tx | – | 2026-07-12 | Request intro |
 FastSpring | US US | Vendor | Partial | – | – | 2026-07-12 | Request intro |
FAQ
What is a Merchant of Record?
A provider that sells your product as the legal merchant - taking on global VAT/sales tax, payments, chargebacks and compliance - while you deliver it. Fintechnologica lists 4 verified MoR providers (2 European-origin).
MoR vs your own PSP contract?
MoR removes tax and compliance burden at a premium fee (typically several percent); a direct PSP contract is cheaper at scale but leaves VAT registrations and liability with you. Software and digital-goods companies selling into many countries are the classic MoR fit.