The problem
Existing Options & Trade-offs
Today, digital businesses expanding internationally choose between two imperfect paths:
DIY Tax Compliance
You keep your payment provider, but take on full tax liability:
Register everywhere you sell
Each jurisdiction where you are liable requires its own tax registration
Ongoing compliance burden
Quarterly filings, multi-currency reconciliation, data retention requirements
You own the risk
Audits, interest, penalties, and fines fall on you
Cross-functional overhead
Requires coordination across finance, tax, legal, and engineering
Full Merchant of Record
They handle the VAT, GST and sales tax liability, but at significant cost:
Flat fee everywhere
You pay the same fee even in jurisdictions where you are already tax registered
Lose customer control
MoR owns the customer relationship and subscriptions. Moving subscriptions later becomes impossible
Lose your payment stack
You migrate off your current provider to their platform
Their brand, not yours
Checkout, invoices, and bank statements show the MoR name
Neither option holds up long-term.
The solution
The XBorderCo Difference
We become your Tax Merchant of Record - without replacing your payment provider.
XBorderCo vs. DIY
- We handle registrations - you don't register anywhere
- We handle filings, reconciliation, and audits
- The VAT, GST and sales tax liability sits with us
XBorderCo vs. Merchant of Record
- Keep your payment provider
- Keep your customers and subscriptions
- Your brand on invoices and statements
You get global compliance. Your stack stays yours.
Commercial relationship with your customer stays with you. Tax-side supplier of record sits with us.
Why digital businesses choose XBorderCo
Built for digital businesses scaling globally.
Native Integrations
We integrate alongside your existing payment provider - your checkout, subscriptions, and customer experience stay exactly as they are today.
All payment types supported
One-off payments, new subscriptions, and forward support for existing subscriptions where required.
B2C & B2B support
Determine customer location, collect and validate tax IDs, apply the right rate, adjust invoicing requirements per local legislation - automatically.
Invoicing & Reporting
Keep existing invoicing. Customer invoices show XBorderCo's local registrations; e-invoicing obligations are our problem - not yours.