> ## Documentation Index
> Fetch the complete documentation index at: https://docs.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# What is PayFac?

> How Suby's PayFac mode works: you stay the seller of record, Suby processes the payment.

A Payment Facilitator (PayFac) is a model where Suby enables you to accept card and crypto payments through its infrastructure, but you remain the legal seller of the product. Unlike MoR mode, Suby is not a party to the sale, you carry the tax and compliance responsibility yourself.

<Note>
  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?](/v3-beta/docs/merchants/what-is-a-merchant-of-record). Which mode your account runs on is assigned by Suby during onboarding, see [Review Process](/v3-beta/docs/merchants/account-review-process).
</Note>

## 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).

<Note>
  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.
</Note>

## PayFac vs MoR vs Suby MoR mode

|                                    | PSP (e.g. Stripe) | MoR (e.g. Paddle) | Suby (PayFac mode) |
| ---------------------------------- | ----------------- | ----------------- | ------------------ |
| Processes payments                 | ✅                 | ✅                 | ✅                  |
| Tax collection and remittance      | ❌                 | ✅                 | ❌ (you handle it)  |
| Compliance liability               | ❌                 | ✅                 | ❌ (you carry it)   |
| Stablecoin-native payments         | ❌                 | ❌                 | ✅                  |
| Discord and Telegram integrations  | ❌                 | ❌                 | ✅                  |
| You control billing infrastructure | ✅                 | Partial           | ✅                  |
| Lower per-transaction fee          | ✅                 | ❌                 | ✅                  |

<Card title="Suby, PayFac mode" icon="bolt">
  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.
</Card>

## How Suby Handles Payments in PayFac Mode

<Steps>
  <Step title="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.
  </Step>

  <Step title="No tax handling">
    Suby does not calculate, collect, or remit any tax on your sales. See [Taxes & VAT Handling (PayFac)](/v3-beta/docs/merchants/taxes-vat-payfac) for what you need to set up yourself.
  </Step>

  <Step title="You manage disputes">
    You are responsible for your own chargeback and refund ratios. Accounts exceeding acceptable thresholds may be restricted, see [Supported Businesses](/v3-beta/docs/merchants/supported-businesses).
  </Step>
</Steps>

## What This Means for You

<CardGroup cols={2}>
  <Card title="Lower fees" icon="dollar-sign">
    2.9% + \$0.30 per transaction, lower than MoR mode, since Suby's scope is limited to payment processing.
  </Card>

  <Card title="Full control, full responsibility" icon="scale-balanced">
    You keep control over invoicing and customer relationship as seller of record, but you also carry tax registration and compliance risk.
  </Card>

  <Card title="Same payment infrastructure" icon="credit-card">
    Cards, Apple Pay, Google Pay, Klarna, bank transfers, and crypto, all available exactly as in MoR mode.
  </Card>

  <Card title="You manage your own risk" icon="triangle-exclamation">
    Dispute and chargeback ratios are your responsibility. See the Education section for guidance.
  </Card>
</CardGroup>

***

<CardGroup cols={2}>
  <Card title="Taxes & VAT Handling" icon="receipt" href="/v3-beta/docs/merchants/taxes-vat-payfac">
    What you need to set up yourself for global tax compliance.
  </Card>

  <Card title="PayFac Fees" icon="dollar-sign" href="/v3-beta/docs/merchants/fees-payfac">
    Pricing for PayFac mode: 2.9% + \$0.30 per transaction.
  </Card>
</CardGroup>

<CardGroup cols={2}>
  <Card title="Supported Countries" icon="globe" href="/v3-beta/docs/merchants/supported-countries">
    Where Suby's checkout is available and which regions are restricted.
  </Card>

  <Card title="Acceptable Use Policy" icon="file-shield" href="/v3-beta/docs/merchants/supported-businesses">
    Which business types are supported and which are not.
  </Card>
</CardGroup>