This page describes PayFac mode. Suby also offers a MoR mode, where Suby itself is the seller of record and handles tax compliance for you, see What is a Merchant of Record?. Which mode your account runs on is assigned by Suby during onboarding, see Review Process.
What PayFac Means for You
In PayFac mode, you are the seller of record for every transaction. Suby’s role is limited to enabling and processing the payment:- You sell the product to the customer, in your own name;
- You calculate, collect, declare, and remit any applicable sales tax, VAT, or GST yourself, worldwide;
- You are responsible for your own dispute and chargeback ratios;
- Suby processes the payment, settles funds to your Suby Balance or wallet, and provides the technical infrastructure (checkout, API, dashboard).
Without a Merchant of Record handling this for you, you carry the same tax registration, filing, and compliance responsibilities you’d have running your own payment stack directly with a PSP.
PayFac vs MoR vs Suby MoR mode
Suby, PayFac mode
Suby processes your payments through its infrastructure, card, Apple Pay, Google Pay, Klarna, stablecoins, at a lower fee than MoR mode, in exchange for you keeping tax and dispute-management responsibility.
How Suby Handles Payments in PayFac Mode
1
Payment processed, not resold
Suby processes the transaction on your behalf as payment facilitator. It is not a party to the sale contract between you and your customer.
2
No tax handling
Suby does not calculate, collect, or remit any tax on your sales. See Taxes & VAT Handling (PayFac) for what you need to set up yourself.
3
You manage disputes
You are responsible for your own chargeback and refund ratios. Accounts exceeding acceptable thresholds may be restricted, see Supported Businesses.
What This Means for You
Lower fees
2.9% + $0.30 per transaction, lower than MoR mode, since Suby’s scope is limited to payment processing.
Full control, full responsibility
You keep control over invoicing and customer relationship as seller of record, but you also carry tax registration and compliance risk.
Same payment infrastructure
Cards, Apple Pay, Google Pay, Klarna, bank transfers, and crypto, all available exactly as in MoR mode.
You manage your own risk
Dispute and chargeback ratios are your responsibility. See the Education section for guidance.
Taxes & VAT Handling
What you need to set up yourself for global tax compliance.
PayFac Fees
Pricing for PayFac mode: 2.9% + $0.30 per transaction.
Supported Countries
Where Suby’s checkout is available and which regions are restricted.
Acceptable Use Policy
Which business types are supported and which are not.