One rate. Everything included.
A single all-in merchant-of-record rate per successful transaction — no gateway fees, no cross-border assessments, no FX markups, no tax-compliance retainers stacked on top.
Merchant of Record
One global rate. Every country, every currency, every method.
The same rate wherever your buyer is. No regional pricing, no setup fee, no monthly minimum, and no surcharge for local payment methods or currencies. Volume pricing is available for merchants above $10M annual cross-border GMV.
Pricing FAQ
What does the rate actually cover?
Everything it takes to sell into a market as the merchant of record: local acquiring and payment processing, the local payment methods buyers expect, FX conversion, sales tax / VAT / GST and import duty calculation, collection and remittance, fraud screening and chargeback handling. There is no gateway fee, no cross-border assessment, no FX markup and no separate tax-compliance retainer stacked on top.
Are there setup fees, monthly minimums or platform fees?
No. You pay the per-transaction rate on successful orders and nothing else — no implementation fee, no monthly minimum, no per-market subscription, and no charge for adding countries, currencies or payment methods.
What counts as a transaction?
A successful charge on an order we process as merchant of record. Declines, retries, fraud blocks and abandoned checkouts cost nothing — you are only charged when money moves.
How are refunds and chargebacks handled?
Refund a full or partial order at any time and the buyer is refunded in the currency they paid in, including the tax and duty we collected. There is no per-refund fee; the transaction rate on the original charge is not returned, which mirrors how the underlying card networks treat refunds.
Chargebacks land on our BIN rather than yours. We handle the representment process, and because we are the merchant of record the dispute never touches your acquiring relationships or your ratios.
Who is liable if a tax authority disagrees with a calculation?
We are. As merchant of record OpenBorder is the legal seller in-market and carries the tax and duty liability for the orders we process. Landed cost is locked to the charge before your buyer pays, and if an assessment later comes back different that exposure sits on our books, not yours.
Do I need to register for tax in the countries I sell to?
No — that is the point of the model. We hold the registrations and file the returns in the markets we cover, so you do not open foreign tax registrations, monitor distance-selling thresholds, or file quarterly in currencies you do not hold.
How and when do I get paid?
We settle on a regular payout cycle in your home currency, net of the merchant-of-record rate, as a single reconciled transfer per period — one ledger and one payout schedule regardless of how many countries or currencies the underlying orders came from.
What about my domestic orders?
Keep your existing processor for domestic. OpenBorder runs alongside it and takes only the cross-border traffic, so there is no replatforming and no risk to the volume that already converts well.
Does the rate change by payment method or currency?
No. 2.75% + $0.30 is all-in across cards, wallets and local methods, in every country we support — a buyer in Brazil paying with Pix costs you the same as a buyer in Germany paying by card. The shopper is quoted in their own currency at a rate we guarantee. Volume pricing is available above $10M annual cross-border GMV.
How long does it take to go live?
Days, not quarters. Install the plugin for your platform — Medusa, WooCommerce, Magento, Salesforce — or integrate the API directly, run a test charge end to end in sandbox, and switch on the markets you want. No local entities and no tax registrations to wait on.