Launching late 2026 Enquiries open now

Merchant of Record for non-EU businesses

Your route into the European market.

Sell digital products and training to EU consumers without building your own European tax and payment operation. BorderRelay becomes the legal seller for each transaction and carries the EU-facing obligations.

Belgian operatorEstablished inside the EU
Selective onboardingEvery partner is assessed
Built for cross-borderDigital products and training
ONE TRANSACTIONONE ACCOUNTABLE SELLER
NON-EUYour business
LEGAL SELLERBorderRelay
EUROPEAN UNIONYour customer

✓ PaymentProcessed

✓ EU VATRemitted

✓ InvoiceIssued

✓ SettlementReconciled

BorderRelay is operated by Borderstride Morrow, an independent Belgian company.

EU VATCOMPLIANT INVOICINGCONSUMER LAWCHARGEBACK HANDLING

THE ACCESS WALL

European customers bring European obligations.

For a non-EU supplier, access to European customers is not only a payment question. The legal and administrative duties attach to the sale itself.

01

VAT from the first EU sale

For non-EU businesses there is no EUR 10,000 threshold. VAT is due in your customer's member state from sale one, at that country's rate.

02

Registration, filing and records

Calculating tax is only the start. Registration, OSS returns, euro payments and ten years of auditable transaction records follow.

03

EU consumer obligations

Withdrawal rights, pre-contract information and a formal complaints route still apply when your company is incorporated elsewhere.

04

Disputes and payment risk

Chargebacks arrive late, require evidence and can put a payment account at risk. The legal seller has to carry that process properly.

THE RELAY MODEL

You keep the business.
We carry the transaction.

BorderRelay does not replace your brand or your customer relationship. We step into one clearly defined role: legal seller of record for the EU consumer sales routed through us.

Follow a transaction →

STAYS WITH YOU

  • ✓ Your product
  • ✓ Your pricing
  • ✓ Your brand
  • ✓ Delivery and support
  • ✓ Your customer relationship
  • ✓ Your non-EU sales

CARRIED BY BORDERRELAY

  • ✓ Payment collection
  • ✓ EU VAT administration
  • ✓ Compliant consumer invoices
  • ✓ Formal consumer-law role
  • ✓ Chargeback procedure
  • ✓ Reconciled settlements

FROM INTEREST TO INCOME

A controlled route to launch.

Because BorderRelay becomes the seller in law, onboarding is deliberate. Every responsibility is made explicit before the first transaction.

  1. 01

    Assessment

    We review your company, offering, markets and expected risk profile.

  2. 02

    Agreement

    Roles, fees, settlement rhythm and exit terms are agreed in writing.

  3. 03

    Connection

    Use hosted payment links or connect your platform through our API.

  4. 04

    Go live

    We become seller of record for transactions routed through BorderRelay.

  5. 05

    Settlement

    You receive a reconciled statement and invoice us for your share.

PLANNED AVAILABILITY

Late 2026

Early conversations are open now. Companies accepted before launch can prepare their integration and documentation for the first onboarding group.

Join the conversation →

QUICK SELF-CHECK

Could BorderRelay fit your business?

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Selective by design. Suitability, company provenance, insurability and expected dispute rates are assessed before any partnership.

1. Do you sell, or plan to sell, to EU consumers?
2. Where is your company established?
3. What do you sell?

THE IMPORTANT QUESTIONS

Clear before you commit.

No vague promises. Commercial terms and responsibilities are agreed per partner in writing.

What is a merchant of record?

The party that legally sells to the end customer. It appears on the invoice, charges and remits VAT, is the counterparty under consumer law and carries the payment relationship, including chargebacks. You remain the owner and supplier of the product. BorderRelay owns the transaction.

Do I need an EU VAT registration?

Not for sales that run through BorderRelay. As the seller towards the EU consumer, the VAT obligation on those sales is ours. Your obligations in your own country remain yours.

Which products are accepted?

At launch, BorderRelay focuses on digital products, online courses, training and electronically delivered memberships. Physical goods are outside the initial scope.

What does it cost?

A percentage commission, a fixed amount per transaction and a monthly management fee. Rates depend on volume and risk profile and are agreed per partner after assessment.

When does BorderRelay launch?

The planned launch period is late 2026. Enquiries are already open so suitable companies can be assessed and prepared before the first onboarding group goes live.

Do I keep my brand and customers?

Yes. Your product, pricing, brand, delivery, support and customer relationship remain yours. BorderRelay appears only where the legal seller must be visible.

ENQUIRIES ARE OPEN

Plan your European route before launch.

Tell us what you sell, where your company is established and which European markets you want to reach. We will tell you plainly whether a BorderRelay assessment makes sense.

Commercial termsQuoted after initial assessment
Launch periodLate 2026

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