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Our Product

One checkout hand-over. A whole legal layer handled.

Your customer shops on your website, at your prices, in your brand. Only at the moment of purchase are they handed over to our payment and invoicing application — and from that second, BorderRelay is the legal seller of the transaction.

The journey of a single sale

Six steps, from browsing to payout. The yellow step is where BorderRelay takes over.

They shop with youYour customer browses your website or platform and decides to buy. Nothing changes about your store.
Checkout hands overAt purchase, the buyer continues in the BorderRelay payment & invoicing app — clearly showing your name as the provider, and ours as the payment handler.
Card paymentThe card payment runs on our Belgian merchant account. We are the merchant on the cardholder's statement.
Invoice issuedAn automatic invoice in our name, with the correct VAT for the buyer's country — Belgian VAT, EU OSS or outside scope.
Access grantedOur backend notifies your platform, and your customer gets the product or course they bought — delivered by you.
You get settledFrom T+2 after the payout, your settlement is prepared: gross amount minus our commission and the processing cost.

Payment links, wherever you sell

Not every sale starts in a webshop. Create a payment link in the BorderRelay app — or generate one through the API from your own system — and send it by mail, chat or invoice. The link opens the same compliant checkout: buyer details, VAT validation for business customers, payment, and an automatic invoice after completion.

A shared back-office, one set of numbers

You and we look at the same transaction data, each in our own view: every payment, the commission calculated on it, the processing cost withheld, and the status of every settlement. Disagreements about numbers can't survive a system where both parties read from the same ledger.

Who carries what

A Merchant of Record arrangement only works when the split is explicit. Here is ours.

BorderRelay carries

  • Legal seller of record for every payment we process — our name on the invoice and the card statement
  • EU VAT on the sales, including Union-OSS registration and filing for non-Belgian EU consumers
  • The full invoicing flow to your end customers, under our Belgian VAT number
  • Consumer-law compliance towards buyers: withdrawal rights, information duties, order-button rules
  • Data-protection responsibility (controller) for payment and billing data
  • The complete dispute process: deadlines, evidence, communication with the payment provider, and guidance between you and your buyer

You keep

  • Your product, your content and the quality of what you deliver
  • Your prices and your product range — we never set them
  • Your customer relationship for delivery, support and everything after the sale
  • Your website, your brand and your marketing
  • Your PayPal or other direct channels, if you have them — we cover the payments that run through us
  • The economic outcome of disputes about your product (see below)

The honest part about chargebacks. We run the dispute process end-to-end — we watch the deadlines, build the evidence file, communicate with the payment provider and guide the conversation between you and your customer. What we do not do is absorb the cost of the dispute: the disputed amount and the dispute fee are settled back to you, because they arise from your product and your promise to the buyer. One exception, and it's ours to carry: chargebacks demonstrably caused by a fault in our own payment processing. We also work with you preventively — quarterly reviews of dispute patterns and a refund-first policy, because a generous refund is almost always cheaper than a chargeback.

Sounds like the missing layer?

Tell us what you sell and where it goes wrong. We'll tell you honestly whether we're the fit.

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Exactly what moves, and what stays with you

No small print, and no arrows pointing at things that do not move. This is the arrangement.

Your buyer Anywhere in the EU Borderstride Morrow Merchant of record Seller towards the buyer, in its own name, for your account VAT BE0731511147 You Supplier of the product payment invoice, with VAT payout minus commission product delivery and support — never leaves your hands the seller of record is on this side Carried by us Dispute handling with the card scheme VAT determination and the OSS return Invoicing, in our name, to your buyer Data controller duties for payment data Consumer-law compliance towards the buyer Stays with you Product, brand and pricing The customer relationship Delivery and support Your own terms of use The cost of a chargeback or refund

Borderstride Morrow carries

The payment processor account and its conditions. The dispute procedure itself: the deadlines, the evidence, and the correspondence with the card scheme. Invoicing to the end customer, in our name. VAT — rate determination, collection, and the Union OSS return. Consumer-law obligations towards the buyer, and data controller duties for the payment data.

You keep

Your product, your pricing, your brand. Your customer relationship and your support. Delivery, and everything that makes the product good. Your own terms towards your users. And the revenue, minus a commission you can calculate in advance.